🔍 What is CIAL Pulso?
CIAL Pulso is a tool integrated into Dunsguide that evaluates your company’s financial health, comparing it with the industry average for your sector. It combines key indicators from Dun & Bradstreet with the information you share through our exploration forms.
🌎 Where is CIAL Pulso available?
CIAL Pulso is available for LATAM markets (except Mexico) starting from the DUNS Silver plan.
⚙️ How is CIAL Pulso activated?
CIAL Pulso is activated after completing the BIR questionnaire, which is mandatory for all companies wishing to obtain a D-U-N-S Number.
This questionnaire allows us to maintain an information standard in our global database.
To obtain a complete analysis, it is important to answer it in detail and accurately.
🗂️ Where does CIAL Pulso’s information come from?
The information comes from:
A detailed analysis and extraction of data from the CIAL Dun & Bradstreet databases.
In-depth research conducted by our team of analysts.
From this work, indicators are generated to measure a company’s commercial health, using trade references and other reliable data sources.
📊 What indicators are shown in CIAL Pulso?
1. D&B Score
A global rating from Dun & Bradstreet that assesses the likelihood of a company continuing to operate stably. It considers factors such as financial stability, credit history, and company size.
2. Paydex
A score from 0 to 100 that reflects a company’s payment behavior toward its suppliers.
A high score indicates on-time or early payments.
A low score indicates late payments.
3. Profitability
The company’s ability to generate profits in relation to its expenses, investments, and revenues.
Includes:
Profit Margin: Proportion of revenue remaining as profit after deducting all costs associated with the product or service.
Operating Margin: Profit remaining after deducting operating costs and expenses.
Return on Equity (ROE): Profit generated for each dollar invested by shareholders.
4. Liquidity
The company’s ability to convert assets into cash to meet short-term obligations.
Includes:
Current Ratio: Relationship between current assets and current liabilities. Indicates the ability to cover immediate debts.
Quick Ratio: Similar to the current ratio but excludes inventories, measuring only the most liquid assets.
5. Leverage
The extent to which the company uses debt to finance its operations and the balance between equity and external financing.
Includes:
Debt Ratio: Proportion of assets financed by debt (may not display if insufficient data is available).
Debt-to-Equity Ratio: Comparison between total debt and equity.
6. Efficiency
The ability to optimize resources, time, and costs to generate revenue.
Includes:
Days Sales Outstanding (DSO): Average number of days it takes the company to convert accounts receivable into cash.
Asset Turnover: Efficiency in using assets to generate sales.
🤖 Pulso Advisor
Pulso Advisor is the AI-powered feature integrated into CIAL Pulso that allows you to interact directly with your company’s financial data.
You can ask questions in natural language and receive explanations, comparisons, and personalized recommendations about your indicators.
Main features:
Explain financial indicators, including their formulas and how to interpret them.
Assess the company’s ability to meet short-term obligations and compare it with the industry.
Provide improvement suggestions based on your financial statements.
Analyze the impact of changes in assets or liabilities on your liquidity.
Example questions you can ask:
"Explain my financial indicators: Current Ratio and Quick Ratio. Include how they are calculated."
"Evaluate our capacity to meet short-term obligations and compare it with the industry."
"What has impacted my liquidity more: current assets or current liabilities?"
Pulso Advisor turns CIAL Pulso’s data into easy-to-understand, action-oriented answers, helping you make better financial decisions.