Delinquency Percentage Calculator

Calculate the percentage of delinquent accounts in your portfolio. This calculator helps financial institutions, lenders, and credit analysts track account performance.

Input Parameters

Calculation Results

Delinquency Percentage

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Calculation Formula

Delinquency Percentage = (Delinquent Accounts / Total Accounts) × 100%

Where:
- Delinquent Accounts: Number of accounts that are past due
- Total Accounts: Total number of accounts in the portfolio

Interpretation

Enter your account data to see an interpretation of the delinquency percentage.

Delinquency Percentage Calculator Usage Guide

Learn how to use the Delinquency Percentage Calculator and understand its importance in financial analysis

How to Use This Calculator

  1. Enter the Total Number of Accounts in your portfolio (e.g., total loans, credit cards, etc.).
  2. Enter the Number of Delinquent Accounts (accounts that are past due on their payments).
  3. Click the Calculate button to see the delinquency percentage and interpretation.
  4. Use the Reset button to clear all inputs and start over.

Understanding Delinquency Percentage

The delinquency percentage is a key financial metric that measures the proportion of accounts that are overdue on their payments. It helps businesses assess the credit risk in their portfolio and identify potential financial issues early.

Example Usage

Suppose a bank has 5,000 total accounts and 150 delinquent accounts. The delinquency percentage would be calculated as:

(150 / 5,000) × 100% = 3%

This means that 3% of the bank's accounts are past due, which might be considered a moderate level depending on industry standards.

Important Considerations

  • The delinquency percentage should be tracked over time to identify trends.
  • Compare your delinquency percentage with industry benchmarks to understand your performance.
  • Consider the reasons behind delinquency when developing credit policies or collection strategies.