This document contains 20 pages of charts and graphs comparing personal and commercial credit metrics of female-owned and male-owned businesses. Some of the key findings presented include that the average estimated personal income of female business owners is $84,600 compared to $91,500 for male owners, and that the top industries for female-owned businesses are business services, beauty shops, and child day care, while the top industries for male-owned businesses include general contracting, automotive repair, and plumbing/HVAC. The document also shows comparisons of credit scores, number of open accounts, balances, and delinquencies between female and male business owners.

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Experian Public.
The State of Women Owned
Businesses
Dec 7th, 2014
Dateline: Costa Mesa, CA

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Commercial score and delinquency
0
1
2
3
4
5
6
7
8
9
32
33
34
35
36
37
38
National Male Female
DBT
IPV2
Mean Intelliscore Plus Score ("IPV2") and Days beyond terms
("DBT")
IPV2 Comb_DBT

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0
5
10
15
20
25
30
$ 1,000 ‐ $
14,999
$ 15,000 ‐
$24999
$ 25,000 ‐
$34999
$ 35,000 ‐
$49999
$ 50,000 ‐
$74999
$ 75,000 ‐
$99999
$100,000 ‐
$124,999
$125,000 ‐
$149,999
$150,000 ‐
$174,999
$175,000 ‐
$199,999
$200,000 ‐
$249,999
$250,000 +
% of sample
Estimated Income
Estimated Personal Income (Individual)
Female Owned Businesses Male Owned Businesses
Personal Demographics
Female avg. = $84,600
Male avg. = $91,500

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Personal demographics
0
10
20
30
40
50
60
Unknown Yes
% of sample
Home Business Indicator
Female busienss owners Male busienss owners

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Personal demographics
0
10
20
30
40
50
60
70
80
90
Unknown Yes
% of sample
Home Owner Indicator
Female busienss owners Male busienss owners

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Personal demographics
0
10
20
30
40
50
60
70
80
Married Single Unknown
% of sample
Marital Status
Female busienss owners Male busienss owners

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Commercial demographics
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
90.00
100.00
1‐4 5‐9 10‐19 20‐49 50‐99 100‐249 250‐499 500‐999 Over 1000
% of sample
Employee Size
Employee Size
Female Owned Businesses Male Owned Businesses

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Commercial demographics
0.00
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
90.00
100.00
% of sample
Sales Size
Sales Size
Female Owned Businesses Male Owned Businesses

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Commercial demographics: thickness of file
0
10
20
30
40
50
60
70
80
90
0 1‐5 6+
% of sample
Total Number of Open Commercial Trades
Female Owned Businesses Male Owned Businesses

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Commercial demographics: shopping for
commercial credit
0
10
20
30
40
50
60
70
80
90
100
0 1‐5 6+
% of sample
Number of Inquires last 3 months
Female Owned Businesses Male Owned Businesses

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Industry type: Top 10
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
General
Contracting
Business
Services
Real Estate
Angents
Eating places Motion Picture
and Video
tape dist
Misc. retail
stores
Building
cleaning and
maintenance
Management
consulting
General
Automotive
repair
Plumbing,
Heating, and
Air Cond.
% of sample
Male Owned Busiensses
• Green bars appear in the
Top 10 for males only.
• Red bars are those that are
shared by both in the Top
10.

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Industry type: Top 10
0.00
1.00
2.00
3.00
4.00
5.00
6.00
7.00
8.00
Business
Services
Beauty Shops Misc. retail
stores
Building
cleaning and
maint
Misc. personal
services
Eating places Real Estate
Angents
Child Day Care Gift, Novelty,
and Souvenier
Management
consulting
% of sample
Female Owned Businesses
• Green bars appear in the
Top 10 for females only.
• Red bars are those that are
shared by both in the Top
10.

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Consumer data

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Business owners personal credit
0
5
10
15
20
25
300‐349 350‐399 400‐449 450‐499 500‐549 550‐599 600‐649 650‐699 700‐749 750‐799 800‐849
% of sample
Score
Vantage Score V3
Female Owned Businesses Male Owned Businesses
Female avg. = 689
Male avg. = 699

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Business owners personal credit
0
5
10
15
20
25
30
35
40
45
50
0 1‐5 6‐9 10‐19 20‐29 30+
% of sample
Number of Trades
Number of Open Trades
Female Owned Businesses Male Owned Businesses
Female avg. = 7.1
Male avg. = 5.8

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Business owners personal credit
0
5
10
15
20
25
% of sample
Balance
Total Balance on Open and Closed Trades (includes mortgage)
Female Owned Businesses Male Owned Businesses
Female avg. = $122,000
Male avg. = $151,000

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Business owners personal credit
0
2
4
6
8
10
12
14
16
18
20
0 1‐5 6‐9 10‐19 20‐29 30‐39 40‐49 50‐59 60‐69 70‐79 80‐89 90‐99
% of sample
Ratio
Total Balance balance to limit ratio on open trades (includes mortgage)
Female Owned Businesses Male Owned Businesses
Female avg. = 34.9%
Male avg. = 32.8%

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Business owners personal credit
0
2
4
6
8
10
12
14
16
18
20
22
24
% of sample
Total payment in $
Total monthly payment (excludes mortgages)
Female Owned Businesses Male Owned Businesses
Female avg. = $1.200
Male avg. = $1,500

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Business owners personal credit
0
5
10
15
20
25
30
35
40
45
50
55
60
65
70
75
0 1‐5 6‐9 10‐19 20+
% of sample
Total number of trades
Total number of 90+ days past due in the last 24 months
(includes mortgages)
Female Owned Businesses Male Owned Businesses
Female avg. = 1.30
Male avg. = 0.90

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