Once the first four are accounted for, what remains is stack condition. Ordinary ageing shows up as a rising cell voltage at a given current density and temperature, and it is slow: a trend measured over thousands of hours. Damage is different. Contamination, a membrane or separator breach, a seal failure or a thermal excursion can move the true condition in days.
That timescale is diagnostic, though not on its own. A number that has drifted steadily over a year, normalised for operating point, is ordinary ageing. A number that moved sharply is more often a boundary, load-profile or auxiliary effect, but the alternative is stack damage rather than stack ageing, so rule that out with cell voltage distribution, crossover and water quality before settling on a measurement explanation.
Attribution below the stack requires cell-level measurement, because stack voltage is the sum of hundreds of cells and a small number of degraded cells barely move that total. Whether the rise is uniform across the population or concentrated in a few cells points at different causes and different remedies.