Dun & Bradstreet U.S. Economic Health Tracker

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A Monthly Report on Business-Related Economic Trends

December 2022 Report

Dun & Bradstreet's U.S. Economic Health Tracker is a monthly, multi-dimensional review of the health of the economy.

U.S. Small Business Health Index

The Small Business Health Index (SBHI) measures business health at the Metropolitan Statistical Area (MSA) and Industry (SIC) level as it relates to payment patterns, failure rates, and credit use. The SBHI follows a sampling of all active small businesses with fewer than 100 employees and combines pro- and counter-cyclical elements to provide a simple, representative number. Using 2004 as the base year (index value 100), improvement is designated by an index value above 100. The index is a combination of pro-cyclical and counter-cyclical elements - reflected in one number and is calculated quarterly. The SBHI is based on 4 factors:

  • Average credit card utilization
  • Percent of credit cards with outstanding balance cycle 3+ (61+ days past due)
  • Ratio derived from the number of failures in the last 12 months over prior 12 months
  • Percent of delinquent dollars 91+ days past due out of all outstanding balances