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Financial Health Score Calculator

Work out financial health score instantly with clear inputs, formula shown and shareable results.

About Financial Health Score Calculator

This composite scores four dimensions — liquidity, leverage, profitability and interest cover — on a 0-100 scale and weights them 25/25/30/20. It is a triage tool: it shows which dimension is dragging the score down so you know where to look, not a substitute for reading the accounts.

Formulas

Composite score

Score = 0.25 x Liquidity + 0.25 x Leverage + 0.30 x Profitability + 0.20 x Interest cover, each scaled 0-100

Scaling anchors

Current ratio 0.8-2.0; D/E 2.5 down to 0; margin 0-15%; cover 0-8x

Worked example

With the default values below, Financial Health Score Calculator returns Financial health score (0-100) of 57.7. Change any input above and every figure here is recalculated in your browser.

Inputs used

Current ratio
1.6
Debt to equity ratio
0.9
Net profit margin
7.5
Interest cover (times)
4

Results

Financial health score (0-100)
57.7
Grade
C — adequate
Profitability sub-score
50.0
Solvency sub-score
57.0

Step by step

  1. 1Values used
  2. 2Composite score
  3. 3Scaling anchors
  4. 4Financial health score (0-100)= 57.7
  5. 5Grade= C — adequate
  6. 6Profitability sub-score= 50.0
  7. 7Solvency sub-score= 57.0

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 1 decimal place, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

Why weight profitability highest?

Because sustained profit ultimately fixes the other three. Liquidity and leverage problems are symptoms as often as causes.

Can I change the weights?

In practice yes — a capital-intensive business might weight interest cover higher. Keep them constant over time so the trend stays meaningful.

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