A lift curve shows a model's ability to separate the best borrowers from the worst borrowers.

The x-axis shows a population of borrowers evenly divided among ten groups (deciles), and ranked from the very best scores (left) to very worse scores (right) based on the model's prediction. The y-axis shows the actual observed loan-overdue rate (bad-rate) for each group. The more powerful the model, the greater the separation between bad-rate for the group on the left and the group on the right.