medium · Corporate Credit Analysis

A speculative-grade issuer, NorthStar Industries, faces immediate operating stress and a looming refinancing date in 12 months.

Which shape of the cumulative probability of default (PD) curve is most characteristic of this credit profile?

  1. A convex curve where one-year PD is tiny but grows significantly at long horizons.
  2. A linear curve where the marginal PD remains constant over ten years.
  3. A flat horizontal line indicating that default is equally likely in any given period.
  4. A steeply rising curve that flattens after the first two years.

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