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Ratings Guide


The D&B® Rating consists of a Risk Indicator/Condition Code and Financial Strength Indicator. The Financial Strength Indicator is based on either Net Worth or Issued Capital.

D&B Risk Indicator

The following possible values exist for the D&B Risk Indicator in this country.

Risk IndicatorConditionLevel of RiskGuide to Interpretation
1StrongMinimal riskProceed with transaction - offer extended terms if required
2GoodLow riskProceed with transaction
3FairSlightly greater than average riskProceed with transaction but monitor closely
4UnbalancedSignificant levelReview each case before extending credit and obtain more information. Take suitable assurances before extending credit, guarantees may be needed
SService Companies-Do to nature of business no condition is assigned
-Undetermined-Insufficient information to assign a rating

D&B Financial Strength Indicator

The following table possible values exist for the D&B Financial Strength Indicator in this country.

Based on Net WorthBased On CapitalNet Worth (in USD)
5A5AA50,000,000 and greater
4A4AA10,000,000 - 49,999,999
3A3AA1,500,000 - 9,999,999
2A2AA750,000 -1,499,999
1A1AA375,000 - 749,999
AAA188,000 - 374,999
BBB94,000 - 187,999
CCC47,000 - 93,999
DDD24,000 - 46,999
EEE12,000 - 23,999
FFF6,000 - 11,999
GGG0 - 5,999
NQOut of Business. Subject ceased operations
NBNew Business. Usually less than 2 years and 6 months
ONet Worth undetermined. Accounts unavailable or older than 18 months
NNegative Net Worth. Balance sheet shows negative net worth
FBForeign Branch. Subject is the branch of a company located in another country
BRBranch. Subject is a branch location
-Net Worth undetermined. A situation exists which is not ratable