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The Real Rate Index45.30.00Palanor: Inflation Pulse50.7+0.09Palanor: Geopolitical Stress60.0-2.16Palanor: Liquidity57.9-0.79Palanor: Capital Tightness47.5+0.91Palanor: Industrial Pulse70.10.00Palanor: AI Margin Compression53.4+0.29Palanor: Consumer Confidence48.6+0.50Palanor: US Dollar Strength46.50.00Palanor: Labor Heat63.2-0.01Palanor: Recession Vocabulary28.1+0.54Palanor: Uncertainty Index53.4+1.24Palanor: US Jobs Health40.30.00Palanor: Energy Transition37.0-0.52Palanor: Reshoring Sentiment22.8+0.54Palanor: AI Substitution28.4-0.24The Social Fabric Index45.70.00Palanor: Geopolitical Anxiety19.4-0.45Palanor: Quit Pressure37.6+0.42The Mania Index88.00.00The Palanor Index57.1-0.51Cost Disease Spread33.20.00Palanor: US vs China49.5-0.17Rise of Socialism Index40.8-0.26The Bubble Memory79.90.00Palanor: Steward Confidence50.8+0.13The Long Watch90.30.00The Reshoring Index55.2+0.00The Capital Return Index81.0-0.75The Discourse Index72.4+1.83The Hesitation Index30.8-6.58Palanor AI Inference Cost Index71.2-0.03The AI Capex Race Index78.4+1.36The Boardroom Index82.5-0.00The Layoff Cycle Index32.8-2.51Capital Deployment Posture Index62.3+1.26The Consumer Health Index41.7-2.96Labor Hours Composite44.40.00The Dollar Erosion Index66.6+0.14Palanor: Risk Appetite36.2+0.83
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Canada Consumer Insolvencies (12-Month Total)

Latest

146,135filings (12 months)

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Methodology

## What this measures

Consumer insolvencies (canada.insolvency.consumer) added up over the latest twelve months.

## Why it matters

Summing a full year removes the seasonal pattern and gives the trend in household distress.

## How to read it

Compare with the same total a year earlier, and with the household debt service ratio (canada.household.debt_service_ratio).

## What it does not say

It is published only when all twelve months are available.

## Source

Office of the Superintendent of Bankruptcy Canada (Innovation, Science and Economic Development Canada), "Historic Insolvency Statistics - Monthly (from 1987)", open.canada.ca dataset 746709f1-c729-44a1-ba84-7be5eadd3664. Palanor re-reads the latest workbook every day.

Contains information licensed under the Open Government Licence – Canada. Palanor sums the latest twelve months.

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