Know exactly where the equity is
in your motor-finance book.
EquityIQ scores every live contract for risk, surfaces the buybacks that turn a profit before they mature out, and forecasts how EV legislation will reshape your residuals — across HP, PCP, Lease and Personal Loan.
Three capabilities. One equity view of the book.
- Every contract where the trade value beats the settlement
- Ranked by profit upside, past halfway through term
- Across dealer part-exchange, auction and WBAC routes
- Every contract graded 0–18, RAG-banded
- LTV, negative equity, term, depreciation, residual gap, payment strain
- Transparent and auditable — no black box
- 60-month month-by-month projection
- ZEV mandate, 2030 ICE ban & 2035 hybrid ban modelled in
- By fuel type, with wholesale supply-flood risk
What EquityIQ surfaces.
A ranked buyback list
Every contract where the trade value clears the settlement, ordered by upside — the profitable buybacks for remarketing to work before they mature out.
A red book you can defend
Every contract scored on six factors, with the balance riding on high risk surfaced — traceable enough for risk committee and audit.
A 60-month forward view
Equity, buybacks and risk mix projected out by fuel type, with the EV-legislation timeline and its residual impact built in.
Dashboards shown use indicative data from a representative demo book.
Built for the people who carry the risk.
Risk, remarketing, treasury and strategy working from one scored, forward-looking view — instead of four spreadsheets that disagree.
Head of Risk / Portfolio Risk
Full-book RAG scoring, red-balance exposure, and a six-factor model that's defensible to risk committee and audit.
Remarketing / Asset Management
The ranked buyback list, trade-route economics across dealer, auction and WBAC, and flood-risk control before you saturate the market.
Treasury / Finance
Residual exposure, the recoverable profit pool, and a 60-month forward view of how the book runs off.
Commercial / Strategy
EV-transition planning, fuel-mix risk and dealer concentration — which segments to exit, and when.
How it works.
1 · Connect your book
A contract extract — balances, vehicles, terms, deposits and dealer. No heavy systems integration to start.
2 · EquityIQ scores & projects
Every contract is risk-graded, valued against trade benchmarks, checked for buyback arbitrage, and run forward 60 months against the legislation timeline.
3 · Your teams act
Risk works the red book, remarketing works the buyback list, treasury works the forecast — from one source of truth, down to the deal.
EquityIQ is part of MobilityIQ.
MobilityIQ is DDX's AI intelligence platform for automotive OEMs, finance groups, and dealer groups. EquityIQ recovers the asset; its sibling RetainIQ keeps the customer — together they cover the full contract lifecycle.
Your first true equity view — in two weeks.
A commitment-free, two-week pilot on a slice of your portfolio. We score it, surface the buyback pool, and show you the red exposure and the 60-month forecast. If it doesn't find money or risk you couldn't already see, you've lost two weeks and a data extract.