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Financial Risk Assessment Model

This model predicts the default risk for companies based on financial ratios.

Model Description

A logistic regression model trained on financial data to predict company default probability. The model uses binned financial ratios as features and outputs:

  • probability: The predicted probability of default (0-1)
  • risk_level: Categorical risk assessment (LOW_RISK, MEDIUM_RISK, HIGH_RISK)
  • confidence: Model confidence in the prediction

Input Features

The model accepts the following financial ratios:

  • return_on_assets: Return on Assets ratio
  • profit_margin: Net Income Margin
  • debt_to_equity_ratio: Debt to Equity ratio
  • current_ratio: Current Ratio
  • interest_coverage: Interest Coverage ratio
  • quick_ratio: Quick Ratio (optional)

Example Usage

inputs = {
    "return_on_assets": 22.61,
    "profit_margin": 25.31,
    "debt_to_equity_ratio": 1.73,
    "current_ratio": 1.07,
    "interest_coverage": 29.9,
    "quick_ratio": 0.83
}

# The model will return:
# {
#   "probability": 0.156,
#   "risk_level": "LOW_RISK", 
#   "confidence": 0.832
# }

API Usage

curl -X POST \
  https://api-inference.huggingface.co/models/your-username/financial-risk-model \
  -H "Authorization: Bearer YOUR_HF_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "inputs": {
      "return_on_assets": 22.61,
      "profit_margin": 25.31,
      "debt_to_equity_ratio": 1.73,
      "current_ratio": 1.07,
      "interest_coverage": 29.9
    }
  }'
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