What is Bank of America Corp's earnings per share (EPS)?

Bank of America Corp (BAC) reported diluted earnings per share of $3.81 for fiscal year 2025. This represents a 19.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bank of America Corp Financials

BAC

Trailing 12 months to June 30, 2026

Revenue $119.2B +8.1% YoY

Net Income $33.6B +20.4% YoY

EPS (Diluted) $4.34 +28.0% YoY

Free Cash Flow Not reported for the trailing 12 months

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Bank of America Corp (BAC) reported $119.2B in revenue over the twelve months to Jun 30, 2026, up 8.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BAC FY2025 2026-05-01

Thin returns on a massive balance sheet drive earnings, with leverage converting sub-1.0% asset yields into double-digit equity returns.

From FY2023 to FY2025, ROA stayed below 1.0% while ROE returned to 10.1%. That combination means the business is earning modest profit on each dollar of assets, then using a very large balance sheet and relatively small equity base to turn those thin asset returns into stronger shareholder returns.

Operating cash flow moved from $45.0B in FY2023 to $12.6B in FY2025 after turning negative in between, even though earnings stayed broadly steady. For a bank, that pattern suggests cash flow is being shaped more by balance-sheet movements than by a simple year-for-year conversion of net income into cash.

FY2025 profit improved as interest expense fell to $78.5B from $90.5B, even while overhead kept rising. Equity also reached $303.2B despite a $21.4B buyback, showing the franchise is still adding capital internally while returning cash to shareholders.

Financial Health Signals

Financial Health Score 42/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Bank of America Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Bank of America Corp, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/7

Bank of America Corp passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

0.41x

For every $1 of reported earnings, Bank of America Corp generates $0.41 in operating cash flow ($12.6B OCF vs $30.5B net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$113.1B

YoY+6.8%

5Y CAGR+5.7%

10Y CAGR+3.1%

Bank of America Corp generated $113.1B in revenue in fiscal year 2025. This represents an increase of 6.8% from the prior year.

Net Income

$30.5B

YoY+13.1%

5Y CAGR+11.3%

10Y CAGR+6.7%

Bank of America Corp reported $30.5B in net income in fiscal year 2025. This represents an increase of 13.1% from the prior year.

EPS (Diluted)

$3.81

YoY+19.4%

5Y CAGR+15.3%

10Y CAGR+11.3%

Bank of America Corp earned $3.81 per diluted share (EPS) in fiscal year 2025. This represents an increase of 19.4% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$231.8B

YoY-20.1%

5Y CAGR-9.4%

10Y CAGR+3.8%

Bank of America Corp held $231.8B in cash against $317.8B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.08

YoY+8.0%

5Y CAGR+8.4%

10Y CAGR+18.4%

Bank of America Corp paid $1.08 per share in dividends in fiscal year 2025. This represents an increase of 8.0% from the prior year.

Shares Outstanding

7.18B

YoY-5.6%

5Y CAGR-3.6%

10Y CAGR-3.6%

Bank of America Corp had 7.18B shares outstanding in fiscal year 2025. This represents a decrease of 5.6% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

27.0%

YoY+1.5pp

5Y CAGR+6.1pp

10Y CAGR+7.8pp

Bank of America Corp's net profit margin was 27.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.5 percentage points from the prior year.

Return on Equity

10.1%

YoY+0.9pp

5Y CAGR+3.5pp

10Y CAGR+3.8pp

Bank of America Corp's ROE was 10.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$21.4B

YoY+63.6%

5Y CAGR+25.0%

10Y CAGR+24.6%

Bank of America Corp spent $21.4B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 63.6% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

BAC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BAC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$119.2B	$113.1B+6.8%	$105.9B+3.0%	$102.8B+8.2%	$95.0B+6.6%	$89.1B+4.2%	$85.5B-6.3%	$91.2B+0.2%	$91.0B+4.5%	$87.1B+4.1%	$83.7B+0.9%	$83.0B-3.4%	$85.9B-1.8%	$87.5B+5.0%	$83.3B-10.8%	$93.5B
SG&A Expenses	$43.4B	$42.3B+5.4%	$40.2B+4.8%	$38.3B+5.2%	$36.4B+0.8%	$36.1B+10.4%	$32.7B+2.3%	$32.0B+0.3%	$31.9B-0.2%	$31.9B-0.3%	$32.0B-2.2%	$32.8B-3.1%	$33.8B-2.7%	$34.7B-2.6%	$35.6B-3.6%	$37.0B
Interest Expense	$74.1B	$78.5B-13.3%	$90.5B+23.5%	$73.3B+264.8%	$20.1B+324.3%	$4.7B-42.4%	$8.2B-63.2%	$22.3B+20.1%	$18.6B+50.8%	$12.3B+23.9%	$10.0B-5.6%	$10.5B-3.5%	$10.9B-14.3%	$12.8B-23.8%	$16.7B-22.6%	$21.6B
Income Tax	$8.4B	$7.2B+15.0%	$6.3B+0.4%	$6.2B+80.9%	$3.4B+72.2%	$2.0B+81.5%	$1.1B-79.3%	$5.3B-17.3%	$6.4B-41.4%	$11.0B+52.5%	$7.2B+14.7%	$6.3B+156.9%	$2.4B-41.8%	$4.2B+475.8%	-$1.1B+33.4%	-$1.7B
Net Income	$33.6B	$30.5B+13.1%	$27.0B+2.5%	$26.3B-4.4%	$27.5B-13.9%	$32.0B+78.7%	$17.9B-34.8%	$27.4B-2.5%	$28.1B+54.4%	$18.2B+2.3%	$17.8B+12.0%	$15.9B+188.2%	$5.5B-47.6%	$10.5B+151.6%	$4.2B+189.6%	$1.4B
EPS (Diluted)	$4.34	$3.81+19.4%	$3.19+4.6%	$3.05-4.4%	$3.19-10.6%	$3.57+90.9%	$1.87-32.0%	$2.75+5.4%	$2.61+67.3%	$1.56+4.7%	$1.49+13.7%	$1.31+211.9%	$0.42-49.4%	$0.83+232.0%	$0.25	$0.01

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$31.6B+4.2%	$30.3B+3.3%	$29.3B+4.4%	$28.1B+2.4%	$27.4B-2.8%	$28.2B-3.6%	$29.3B+15.7%	$25.3B
SG&A Expenses	$11.0B-3.1%	$11.3B+6.9%	$10.6B+0.8%	$10.5B+1.8%	$10.3B-5.1%	$10.9B+6.3%	$10.2B+3.3%	$9.9B
Interest Expense	$17.8B+1.3%	$17.6B-4.8%	$18.5B-8.1%	$20.1B-0.3%	$20.2B+3.0%	$19.6B-9.2%	$21.6B-8.1%	$23.5B
Income Tax	$2.5B+36.9%	$1.8B-40.6%	$3.1B+210.4%	$987.0M-34.1%	$1.5B-8.5%	$1.6B-64.2%	$4.6B+968.0%	$428.0M
Net Income	$9.1B+5.7%	$8.6B+14.3%	$7.5B-11.3%	$8.5B+18.1%	$7.2B-2.6%	$7.4B+13.1%	$6.5B-5.7%	$6.9B
EPS (Diluted)	$1.21+9.0%	$1.11+15.6%	$0.96-9.4%	$1.06+17.8%	$0.90+1.1%	$0.89+12.7%	$0.79-2.5%	$0.81

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

BAC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BAC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$3.4T+4.6%	$3.3T+2.6%	$3.2T+4.2%	$3.1T-3.7%	$3.2T+12.4%	$2.8T+15.8%	$2.4T+3.4%	$2.4T+3.2%	$2.3T+4.3%	$2.2T+2.0%	$2.1T+1.9%	$2.1T+0.1%	$2.1T-4.9%	$2.2T+3.8%	$2.1T
Cash & Equivalents	$231.8B-20.1%	$290.1B-12.9%	$333.1B+44.7%	$230.2B-33.9%	$348.2B-8.5%	$380.5B+135.5%	$161.6B-8.9%	$177.4B+12.7%	$157.4B+6.6%	$147.7B-7.3%	$159.4B+15.0%	$138.6B+5.5%	$131.3B+18.6%	$110.8B-7.8%	$120.1B
Goodwill	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B+0.1%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B-1.1%	$69.8B0.0%	$69.8B-0.1%	$69.8B-0.2%	$70.0B0.0%	$70.0B
Total Liabilities	$3.1T+4.8%	$3.0T+2.7%	$2.9T+4.0%	$2.8T-4.2%	$2.9T+13.9%	$2.5T+17.4%	$2.2T+3.8%	$2.1T+3.7%	$2.0T+4.8%	$1.9T+1.8%	$1.9T+1.5%	$1.9T-0.5%	$1.9T-5.2%	$2.0T+3.9%	$1.9T
Long-Term Debt	$317.8B+12.2%	$283.3B-6.3%	$302.2B+9.5%	$276.0B-1.5%	$280.1B+6.5%	$262.9B+9.2%	$240.9B+5.0%	$229.4B+0.9%	$227.4B+4.9%	$216.8B-8.4%	$236.8B-2.6%	$243.1B-2.6%	$249.7B-9.4%	$275.6B-26.0%	$372.3B
Total Equity	$303.2B+3.2%	$294.0B+1.3%	$290.2B+6.2%	$273.2B+1.2%	$270.1B-1.0%	$272.9B+3.1%	$264.8B-0.2%	$265.3B-0.7%	$267.1B+0.4%	$266.2B+4.1%	$255.6B+5.0%	$243.5B+4.7%	$232.5B-1.9%	$237.0B+3.0%	$230.1B
Retained Earnings	$261.7B+8.7%	$240.8B+7.2%	$224.7B+8.5%	$207.0B+10.1%	$188.1B+14.6%	$164.1B+5.0%	$156.3B+14.7%	$136.3B+19.8%	$113.8B+12.4%	$101.2B+14.7%	$88.2B+18.0%	$74.7B+3.1%	$72.5B+15.4%	$62.8B+3.8%	$60.5B

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$3.5T+0.1%	$3.5T+2.5%	$3.4T+0.2%	$3.4T-1.1%	$3.4T+2.7%	$3.3T+2.7%	$3.3T-1.9%	$3.3T
Cash & Equivalents	$229.7B-5.3%	$242.5B+4.6%	$231.8B-5.9%	$246.5B-7.3%	$266.0B-2.8%	$273.6B-5.7%	$290.1B-1.9%	$295.6B
Goodwill	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B0.0%	$69.0B
Total Liabilities	$3.2T+0.1%	$3.2T+2.8%	$3.1T+0.3%	$3.1T-1.3%	$3.1T+2.9%	$3.1T+2.9%	$3.0T-2.0%	$3.0T
Long-Term Debt	$339.9B+4.3%	$326.0B+2.6%	$317.8B+2.0%	$311.5B-0.6%	$313.4B+3.0%	$304.1B+7.4%	$283.3B-4.6%	$296.9B
Total Equity	$301.1B+0.1%	$300.7B-0.8%	$303.2B-0.3%	$304.2B+2.1%	$298.0B+1.4%	$293.9B0.0%	$294.0B-0.9%	$296.5B
Retained Earnings	$274.5B+2.5%	$267.8B+2.3%	$261.7B+1.4%	$258.1B+2.4%	$252.2B+2.0%	$247.3B+2.7%	$240.8B+1.2%	$238.0B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

BAC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

BAC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$94.7B	$12.6B+243.2%	-$8.8B-119.6%	$45.0B+811.0%	-$6.3B+12.0%	-$7.2B-118.9%	$38.0B-38.5%	$61.8B+56.3%	$39.5B+300.6%	$9.9B-42.9%	$17.3B-39.2%	$28.4B-7.8%	$30.8B-66.8%	$92.8B+678.1%	-$16.1B-124.9%	$64.4B
Investing Cash Flow	-$82.4B	-$145.2B-60.1%	-$90.7B-156.3%	-$35.4B-1299.2%	-$2.5B+99.2%	-$313.3B-76.3%	-$177.7B-120.3%	-$80.6B-12.8%	-$71.5B-38.7%	-$51.5B+17.2%	-$62.3B	N/A	N/A	$25.1B+171.6%	-$35.0B-166.7%	$52.4B
Financing Cash Flow	-$46.8B	$69.9B+15.9%	$60.4B-35.3%	$93.3B+188.0%	-$106.0B-136.4%	$291.6B-18.0%	$355.8B+10436.5%	$3.4B-93.6%	$53.1B+7.8%	$49.3B+48.6%	$33.2B	N/A	N/A	-$95.4B-325.0%	$42.4B+140.5%	-$104.7B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.7B-12.2%	$1.9B+9.8%	$1.7B
Share Buybacks	$24.9B	$21.4B+63.6%	$13.1B+186.4%	$4.6B-9.8%	$5.1B-79.8%	$25.1B+257.7%	$7.0B-75.0%	$28.1B+40.1%	$20.1B+56.8%	$12.8B+150.7%	$5.1B+115.3%	$2.4B+41.7%	$1.7B-48.0%	$3.2B	$0	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$29.0B-30.5%	$41.8B+282.0%	-$22.9B-149.0%	$46.9B+613.3%	-$9.1B-318.1%	-$2.2B-108.4%	$25.9B+169.5%	-$37.3B
Investing Cash Flow	-$16.8B+74.8%	-$66.5B-5569.9%	-$1.2B-160.3%	$1.9B+103.4%	-$56.9B+36.1%	-$89.0B-1045.9%	$9.4B+134.5%	-$27.3B
Financing Cash Flow	-$24.7B-168.9%	$35.9B+257.5%	$10.0B+114.8%	-$68.0B-223.5%	$55.1B-24.4%	$72.8B+298.1%	-$36.8B-200.0%	$36.8B
Share Buybacks	$6.0B-17.0%	$7.2B+14.7%	$6.3B+19.1%	$5.3B0.0%	$5.3B+17.3%	$4.5B+27.9%	$3.5B0.0%	$3.5B

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid.

BAC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

BAC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	27.0%+1.5pp	25.5%-0.1pp	25.6%-3.4pp	29.0%-6.9pp	35.9%+15.0pp	20.9%-9.1pp	30.1%-0.9pp	30.9%+10.0pp	20.9%-0.4pp	21.3%+2.1pp	19.2%+12.8pp	6.4%-5.6pp	12.0%+7.0pp	5.0%+3.5pp	1.6%
Return on Equity	10.1%+0.9pp	9.2%+0.1pp	9.1%-1.0pp	10.1%-1.8pp	11.8%+5.3pp	6.6%-3.8pp	10.4%-0.3pp	10.6%+3.8pp	6.8%+0.1pp	6.7%+0.5pp	6.2%+3.9pp	2.3%-2.3pp	4.5%+2.8pp	1.8%+1.1pp	0.6%
Return on Assets	0.9%+0.1pp	0.8%0.0pp	0.8%-0.1pp	0.9%-0.1pp	1.0%+0.4pp	0.6%-0.5pp	1.1%-0.1pp	1.2%+0.4pp	0.8%0.0pp	0.8%+0.1pp	0.7%+0.5pp	0.3%-0.2pp	0.5%+0.3pp	0.2%+0.1pp	0.1%
Debt-to-Equity	1.05+0.1x	0.96-0.1x	1.040.0x	1.010.0x	1.04+0.1x	0.96+0.1x	0.910.0x	0.860.0x	0.850.0x	0.81-0.1x	0.93-0.1x	1.00-0.1x	1.07-0.1x	1.16-0.5x	1.62

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	28.7%+0.4pp	28.4%+2.8pp	25.6%-4.5pp	30.1%+4.0pp	26.1%+0.1pp	26.1%+3.9pp	22.2%-5.0pp	27.2%
Return on Equity	3.0%+0.2pp	2.9%+0.4pp	2.5%-0.3pp	2.8%+0.4pp	2.4%-0.1pp	2.5%+0.3pp	2.2%-0.1pp	2.3%
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.2%0.0pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Debt-to-Equity	1.130.0x	1.080.0x	1.050.0x	1.020.0x	1.050.0x	1.03+0.1x	0.960.0x	1.00

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

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Where Bank of America Corp Ranks

Frequently Asked Questions

What is Bank of America Corp's annual revenue?

Bank of America Corp (BAC) reported $113.1B in total revenue for fiscal year 2025. This represents a 6.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bank of America Corp's revenue growing?

Bank of America Corp (BAC) revenue grew by 6.8% year-over-year, from $105.9B to $113.1B in fiscal year 2025.

Is Bank of America Corp profitable?

Yes, Bank of America Corp (BAC) reported a net income of $30.5B in fiscal year 2025, with a net profit margin of 27.0%.

How much debt does Bank of America Corp have?

As of fiscal year 2025, Bank of America Corp (BAC) had $231.8B in cash and equivalents against $317.8B in long-term debt.

What is Bank of America Corp's net profit margin?

Bank of America Corp (BAC) had a net profit margin of 27.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Bank of America Corp pay dividends?

Yes, Bank of America Corp (BAC) paid $1.08 per share in dividends during fiscal year 2025.

What is Bank of America Corp's return on equity (ROE)?

Bank of America Corp (BAC) has a return on equity of 10.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bank of America Corp's operating cash flow?

Bank of America Corp (BAC) generated $12.6B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bank of America Corp's total assets?

Bank of America Corp (BAC) had $3.4T in total assets as of fiscal year 2025, including both current and long-term assets.

Does Bank of America Corp buy back shares?

Yes, Bank of America Corp (BAC) spent $21.4B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Bank of America Corp have outstanding?

Bank of America Corp (BAC) had 7.18B shares outstanding as of fiscal year 2025.

What is Bank of America Corp's debt-to-equity ratio?

Bank of America Corp (BAC) had a debt-to-equity ratio of 1.05 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bank of America Corp's return on assets (ROA)?

Bank of America Corp (BAC) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bank of America Corp's Piotroski F-Score?

Bank of America Corp (BAC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bank of America Corp's earnings high quality?

Bank of America Corp (BAC) has an earnings quality ratio of 0.41x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bank of America Corp?

Bank of America Corp (BAC) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.