Work out financial health score instantly with clear inputs, formula shown and shareable results.
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.
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
Because sustained profit ultimately fixes the other three. Liquidity and leverage problems are symptoms as often as causes.
In practice yes — a capital-intensive business might weight interest cover higher. Keep them constant over time so the trend stays meaningful.