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, wherein the plurality of profit driver segments are determined by using a behavioral segmentation scheme wherein a plurality of accounts are grouped into clusters of similar behavior patterns based on individual profit and losses for each of the plurality of accounts; 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 other 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, wherein said establishing, characterizing, determining and valuing steps are performed on at least one machine, said at least one machine comprising at least one physical computing device.