Average financial-sector breach
Total cost per studied breach across the global financial industry — a reasonableness check on total modeled event loss, not a single category.
IBM 2024 ›
Industry loss profile
Breach risk
Cost of a material breach
SuperFile investment
Model
Expected annual loss avoided—
First-year ROI—
Payback period—
NPV over 3 yrs—
Enter your price / user / month to calculate ROI, payback, and NPV. Loss figures below are independent of price.
Expected annual loss — before vs. with SuperFile
Before
—
With SuperFile
—
Where the exposure sits — gross loss per breach by category
| Net loss per breach event | — |
| Annual SuperFile license | — |
| First-year investment (license + implementation) | — |
| Net annual benefit (loss avoided − license) | — |
| Residual breach probability | — |
Illustrative framework in USD on an annual-probability basis. Replace every input with organization-specific data before using this for an investment decision. Positive ROI depends primarily on breach probability, event severity, control effectiveness, and recurring cost.
Sources: IBM Cost of a Data Breach 2024; company filings & regulators. Illustrative — replace inputs with your own data before any decision.
First-year ROI sensitivity
How first-year ROI moves with the two biggest levers — breach probability and risk reduction — holding your current investment and loss inputs. Your current inputs are outlined.
Negative · Breakeven · Positive
Where these numbers come from
This model is grounded in published breach-cost research and disclosed incidents — averages for a base case, mega-events as stress tests. Every figure links to its primary source.
—Your modeled loss measured against the IBM 2024 financial-sector average of $6.08M.
Benchmark averages
Base caseIBM Cost of a Data Breach 2024Detection & escalation
Forensics, assessment, crisis management and escalation activity. A central benchmark for incident-response planning.
IBM 2024 · Fig. 5 ›Post-breach response
Customer support, credit monitoring, legal / regulatory response and remediation. May overlap the regulatory and customer categories.
IBM 2024 · Fig. 5 ›Notification
Notification activity specifically; broader legal and regulatory costs surface under post-breach response. Treat as a lower bound.
IBM 2024 · Fig. 5 ›Lost business
System downtime, lost revenue, customer turnover and reputation damage combined — split across interruption and reputation once.
IBM 2024 · Fig. 5 ›Disclosed incidents
Stress caseCompany filings & regulatorsUnitedHealth · Change Healthcare
2024 direct-response costs — loans, network restoration, notifications and increased care expenditure. A mega-event; components overlap categories.
UnitedHealth 10-K ›Equifax breach settlement
2019 minimum global settlement with the FTC, CFPB and states; the potential maximum reached $700M with up to $425M for consumer relief.
FTC / CFPB ›CNA Financial ransomware
2021 reported ransom payment (via Bloomberg, cited in an SEC statement). Use as a ransomware-payment scenario, not a general average.
SEC statement ›Read the categories carefully. Public companies rarely disclose clean, mutually-exclusive costs. The Change Healthcare $640M medical-cost figure is part of — not additive to — the $2.2B direct-response total; IBM's lost-business measure already combines downtime, customer loss and reputation harm. Allocate any overlapping figures once.