Read the Latest Credit Risk Insight and Articles Published by ProfitGuard.

 

  • Credit Outlook: May 2022

    Credit Outlook: May 2022

    ProfitGuard

    The consumer price index rose 0.3% in April and 8.3% over the last 12 months. This is the first decline in eight months and was mainly a result of moderating energy prices. Despite this, the Fed has a long way to go to tame the price increases and core inflation (which removes grocery and gas prices) actually

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  • Newsletter: April 2022

    Newsletter: April 2022

    ProfitGuard

    In the world of credit agreements, breaches will inevitably occur. As acredit professional, you should be checking your customer’s liquidityposition regularly. This includes collecting data on its creditagreements, loans, and deposit accounts. If you uncover a breach,follow-up information will be needed to get a complete picture of itsrisk profile.

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  • Credit Outlook: April 2022

    Credit Outlook: April 2022

    ProfitGuard

    The consumer price index rose 1.2% in March and increased 8.5% over the last twelve months. This is a four-decade high and is being driven by surging energy and food costs, supply constraints, and strong consumer demand. While the Fed raised rates in March for the first time since 2018, it is facing intense pressure to do

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  • Newsletter: March 2022

    Newsletter: March 2022

    ProfitGuard

    The oil & gas industry continues to experience high volatility because ofuncertainty over the Russia-Ukraine war, sanctions imposed on Russiangoods, and a recent surge in COVID cases in China. Russia is thesecond-largest natural gas producer and third-largest crude oilproducer. Increased prices and volatility will cause headwinds formarket participants.

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  • Credit Outlook: March 2022

    Credit Outlook: March 2022

    ProfitGuard

    For the fifth consecutive month, inflation exceeded 6%. After rising 0.6% in January, inflation rose 0.8% in February. The 7.9% increase over the last twelve months is the highest twelve month reading in 40 years. Rapidly rising energy and commodity prices have contributed to the increase. Federal Reserve officials stated they are on track to increase interest rates

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  • Newsletter: February 2022

    Newsletter: February 2022

    ProfitGuard

    2021 marked a record year for global plastics M&A and this momentumis likely to continue in 2022. According to data tracked by investment bank P&M Corporate Finance(PMCF), deal volume in 2021 was the highest it has been since PMCFbegan tracking the industry about 15 years ago. Total transactionsamounted to 52 in

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  • Credit Outlook: February 2022

    Credit Outlook: February 2022

    ProfitGuard

    Inflation rose 0.6% in January, driving it to increase 7.5% for the last twelve months, the highest twelve month reading since 1982 and the fourth straight month of inflation over 6%. Rising costs are due to continued supply chain disruptions and consumers willing to pay more for goods. Fed officials will likely increase interest rates this spring

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  • Newsletter: January 2022

    Newsletter: January 2022

    ProfitGuard

    2021 saw a significant increase in freight costs worldwide, leavingbusinesses reeling. What’s more, we don’t see any near-term reliefand we expect elevated rates to persist in 2022. In industries thatwork on small margins to begin with, additional freight costs arecausing headaches for management.

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  • Credit Outlook: January 2022

    Credit Outlook: January 2022

    ProfitGuard

    Inflation rose 7% for the twelve months ending December, the highest annual increase since 1982 and the third straight month of inflation over 6%. Rising costs are due to continued supply chain disruptions and consumers willing to pay more for goods. Fed officials are now expected to raise interest rates this year to combat increasing prices.

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  • Credit Outlook: December 2021

    Credit Outlook: December 2021

    ProfitGuard

    Inflation jumped to 6.8% in November, the highest annual inflation rate since 1982. Rising costs are due to continued supply chain disruptions, high consumer demand, and rising housing costs. The latest report puts pressure on Fed officials to wind down their stimulus sooner, clearing the way for an interest rate hike in the Spring.

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  • Newsletter: December 2021

    Newsletter: December 2021

    ProfitGuard

    Excess inventory can create significant problems for a business. Itcan also be a potential red flag for credit professionals whenanalyzing a company’s creditworthiness. An important credit metricto understand is the ratio of inventory to sales.

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  • Credit Outlook: November 2021

    Credit Outlook: November 2021

    ProfitGuard

    Inflation jumped to 6.2% in October, the largest 12-month increase in 30 years. Supply shortages and continued consumer demand have pushed up prices. This is the fifth straight month that the consumer price index has topped 5%. Several businesses are passing along the increases to consumers and we expect high prices to remain elevated for the next few months.

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  • Newsletter: October 2021

    Newsletter: October 2021

    ProfitGuard

    Real gross domestic product (GDP) increased 6.7% in the second quarter of 2021, reflecting continued economic growth in the United States. GDP rose 6.3% in the first quarter. However, the past 12 months generated a widening gap in credit risk and recovery across sectors. This phenomenon is known as a “K-shaped” recovery,

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  • Credit Outlook: October 2021

    Credit Outlook: October 2021

    ProfitGuard

    Inflation continues to run hot, with September's consumer price index rising 5.4%. Over the last year, consumer prices have risen more than 5%, the fastest pace in more than a decade. The Fed predicts an annual inflation rate of 4.2% by year end, up from 3.4% in earlier forecasts. Inflation is expected to cool to about 2.2% in

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  • Newsletter: September 2021

    Newsletter: September 2021

    ProfitGuard

    As we have seen in many crises of the past, liquidity, and access to it, is paramount to the survival of businessoperations. As product makers experience high demand from the recovering economy, inventories need to bereplenished and kept at higher levels, which requires more working capital. With companies buying

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  • Newsletter: August 2021

    Newsletter: August 2021

    ProfitGuard

    Market tailwinds, continued low interest rates, and record fundraising are providing private equity (PE) firms with ample opportunities to expand their portfolios. PE firms are also looking to reposition their business models for a post-pandemic world. As a result, global private equity “dry powder” is at an alltime high. Dry powder is money committed by investors but not yet deployed.

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  • Newsletter: July 2021

    Newsletter: July 2021

    ProfitGuard

    Companies in financial distress have various options to address unsustainable capital structures and out-of-court restructurings continue to be an increasingly popular option. While a Chapter 7 or a Chapter 11 bankruptcy may be appropriate for adjusting a company’s capital structure and maximizing value...

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  • Newsletter: May 2021

    Newsletter: May 2021

    ProfitGuard

    Financial risk analysis is critical to the credit decision process. Credit professionals should understand themajor categories that encompass this type of risk to obtain a better view of the company’s overall health.Financial risk typically falls into three categories: profitability, capital structure, and cash flow.

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  • Newsletter: March 2021

    Newsletter: March 2021

    ProfitGuard

    Over the past year, special purpose acquisition company (SPAC) initial public offerings (IPOs) have floodedthe U.S. financial market. Although SPACs have been around for decades, 2020 was a record-breaking yearand 2021 remains busy as investors and management teams try to mitigate the increased market volatility riskof traditional IPOs.

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  • PG Featured in Recycling Today

    PG Featured in Recycling Today

    ProfitGuard

    In Recycling Today article, Victor Sandy, executive with scrap-focused credit advisory firm, says monitoring creditworthiness should be systematically managed.

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  • Newsletter: February 2021

    Newsletter: February 2021

    ProfitGuard

    Form Technologies recently completed a Transaction Support Agreement by which the companyrecapitalized and extended debt maturities. Form Technologies is a manufacturer of small precisionengineered components and its subsidiaries include Dynacast and Signicast.

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  • Newsletter: January 2021

    Newsletter: January 2021

    ProfitGuard

    More and more private equity firms are turning their attention to the plastics and packaging sector. 2019 sawan uptick in private equity interest and the trend continues as we enter 2021.

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  • Credit Risk Reminder

    Credit Risk Reminder

    ProfitGuard

    2021 is forecasted to be a high risk year. Lingering effects of COVID-19 remain rampant in the economy, especially in the industrial sector, which is point to higher insolvency risk this year.

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  • PG Press Release

    PG Press Release

    ProfitGuard

    ProfitGuard Announces Its Expansion Further into the Industrial Sector

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