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| <title>Credily Training Report</title> | |
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| <div class="container"> | |
| <header> | |
| <h1>Credily Training Report</h1> | |
| <p>Generated: 2026-01-03 00:14:50</p> | |
| </header> | |
| <section class="card"> | |
| <h2>Model Performance</h2> | |
| <div class="best-model"> | |
| <h3>Best Model: RandomForest</h3> | |
| <div class="score">ROC-AUC: 0.8029</div> | |
| <p>Test AUC: 0.3958</p> | |
| </div> | |
| <h3>Model Comparison</h3> | |
| <table> | |
| <thead><tr><th>Model</th><th>CV ROC-AUC</th></tr></thead> | |
| <tbody><tr ><td>LogisticRegression</td><td>0.6318</td></tr><tr style="background-color: #d4edda; font-weight: bold;"><td>RandomForest</td><td>0.8029</td></tr><tr ><td>GradientBoosting</td><td>0.7847</td></tr></tbody> | |
| </table> | |
| </section> | |
| <section class="card"> | |
| <h2>Classification Report</h2> | |
| <table> | |
| <thead> | |
| <tr><th>Class</th><th>Precision</th><th>Recall</th><th>F1-Score</th><th>Support</th></tr> | |
| </thead> | |
| <tbody><tr> | |
| <td>0.0</td> | |
| <td>0.333</td> | |
| <td>0.014</td> | |
| <td>0.027</td> | |
| <td>71.0</td> | |
| </tr><tr> | |
| <td>1.0</td> | |
| <td>0.278</td> | |
| <td>0.931</td> | |
| <td>0.429</td> | |
| <td>29.0</td> | |
| </tr><tr> | |
| <td>macro avg</td> | |
| <td>0.306</td> | |
| <td>0.473</td> | |
| <td>0.228</td> | |
| <td>100.0</td> | |
| </tr><tr> | |
| <td>weighted avg</td> | |
| <td>0.317</td> | |
| <td>0.280</td> | |
| <td>0.143</td> | |
| <td>100.0</td> | |
| </tr></tbody> | |
| </table> | |
| </section> | |
| <section class="card"> | |
| <h2>Feature Importance (Top 20)</h2> | |
| <table> | |
| <thead><tr><th>Feature</th><th>Importance</th></tr></thead> | |
| <tbody><tr><td>income</td><td>0.2097</td></tr><tr><td>loan_amount</td><td>0.1800</td></tr><tr><td>debt_ratio</td><td>0.1800</td></tr><tr><td>age</td><td>0.1726</td></tr><tr><td>credit_score</td><td>0.1565</td></tr><tr><td>income_missing</td><td>0.0517</td></tr><tr><td>credit_score_missing</td><td>0.0284</td></tr><tr><td>employment_status_missing</td><td>0.0212</td></tr><tr><td>employment_status_nan</td><td>0.0000</td></tr><tr><td>education_nan</td><td>0.0000</td></tr><tr><td>home_ownership_nan</td><td>0.0000</td></tr></tbody> | |
| </table> | |
| </section> | |
| <footer> | |
| <p>Generated by Credily - Fast, Explainable AutoML for Tabular Data</p> | |
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