1. A method for valuing a credit account based upon a probability that the credit account will migrate between profit driver segments, the method comprising the steps of: a. establishing a plurality of profit driver segments; b. characterizing the credit account based upon its historical behavior to determine a degree of belonging of the credit account to each of the plurality of profit driver segments; c. determining a probability of migration of the credit account from at least one profit driver segment to at least one profit driver segment based upon historical behavior data; and d. valuing the credit account based upon the characterization of the credit account and the determined probability of migration.