D&B Small Business Health Index
www.dnb.com

October 2013
March 2013

D&B’s monthly Small Business Health Index rose 0.8
p...
145
145

95
95

140
140

80
80
May 2013
May 2013

June 2013
June 2013

July 2013
July 2013

Aug 2013
Aug 2013

May 2013
Ma...
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D&B Small Business Health Index (October 2013)

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Overall, index gains indicates small businesses may be emerging despite choppy economic waters. While we are cautiously optimistic for a stronger second half of the year, small business owners face a protracted economic recovery and the impact from the recent federal government shutdown.

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Transcript of "D&B Small Business Health Index (October 2013)"

  1. 1. D&B Small Business Health Index www.dnb.com October 2013 March 2013 D&B’s monthly Small Business Health Index rose 0.8 percent to an overall index value of 96.2 in August 2013, the first upturn since February. The improvement reverses several months of sluggish small business sector performance, largely driven by strong gains in Business Small Business Health Index: Overall 120 100 80 0.8 60 points to 99.4), and Personal Services (up 1.2 percent to 95.2). gu Services (up 2.8 percent to 109.9), Retail (up 1.8 percent st What’s driving the US s mall business sector? Au 40 Only the Automotive segment declined in August (down 0.8 percent to 95.3). Although the Index has 20 shown small signs of optimism over the summer months, the across-the-board gains in August suggests small 0 businesses may be standing on more solid fiscal ground Dec 04 heading into the fourth quarter. Dec 06 Dec 08 Dec 10 August 13 Source: DB Global Data, Insights Analytics Fewer Small Businesses Fail Fewer Small Businesses Fail More On-Time Payments More On-Time Payments 160 160 140 140 155 155 125 125 150 150 110 110 145 145 95 95 140 140 80 80 May 2013 May 2013 June 2013 June 2013 July 2013 July 2013 Aug 2013 Aug 2013 May 2013 May 2013 June 2013 June 2013 July 2013 July 2013 Aug 2013 Aug 2013 Fewer small businesses closed their doors in August, More small businesses paid their bills on time in August. evidenced by improvement in the DB Failure Ratio The DB Payment Delinquency index improved 1.7 index (up 0.3 percent to 141.1). This marked the first percent to 118.7. upward movement since March. Credit Card Delinquency Improves Credit Card Delinquency Improves Credit Card Use Declines Credit Card Use Declines
  2. 2. 145 145 95 95 140 140 80 80 May 2013 May 2013 June 2013 June 2013 July 2013 July 2013 Aug 2013 Aug 2013 May 2013 May 2013 June 2013 June 2013 July 2013 July 2013 Aug 2013 Aug 2013 www.dnb.com October 2013 Credit Card Use Declines Credit Card Use Declines Credit Card Delinquency Improves Credit Card Delinquency Improves 50 50 81 81 48 48 80 80 46 46 79 79 44 44 78 78 42 42 77 77 May 2013 May 2013 June 2013 June 2013 July 2013 July 2013 Aug 2013 Aug 2013 May 2013 May 2013 June 2013 June 2013 July 2013 July 2013 Aug 2013 Aug 2013 A 0.7 percent improvement in the DB Credit Card Small businesses were less dependent on credit cards in Delinquency index (to a value of 46.1) suggests more August, signaling potentially greater access to traditional small businesses are paying their credit card bills on time. forms of credit. Consequently, the DB Credit Card Utilization index improved 0.5 percent to 79. What can we expect for small businesses? Overall, Index gains indicate small businesses may be emerging despite choppy economic waters. While we are cautiously optimistic for a stronger second half of the year, small business owners face a protracted economic recovery and the impact from the recent federal government shutdown. What is the Small Business Health Index? DB’s monthly Small Business Health Index (SBHI) measures small business health through payment patterns, failure rates, and credit utilization. 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. DB’s informed perspective puts the future in focus, helping you protect, grow, and empower your business. To learn more, visit www.dnb.com © Dun Bradstreet, Inc. 2013. All rights reserved. (DB-3648 10/13)

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