What is Evertec Inc's earnings per share (EPS)?

Evertec Inc (EVTC) reported diluted earnings per share of $2.20 for fiscal year 2025. This represents a 27.2% 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.

Evertec Inc Financials

EVTC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Evertec Inc (EVTC) financial statements, including the 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).

Financial Health Signals

Financial Profile 61/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Evertec Inc has an operating margin of 20.0%, meaning the company retains $20 of operating profit per $100 of revenue. This strong profitability earns a score of 67/100, reflecting efficient cost management and pricing power. This is up from 19.6% the prior year.

Growth

Evertec Inc's revenue grew 10.2% year-over-year to $931.8M, a solid pace of expansion. This earns a growth score of 50/100.

Leverage

Evertec Inc carries a low D/E ratio of 1.69, meaning only $1.69 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 67/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Evertec Inc's current ratio of 2.07 indicates adequate short-term liquidity, earning a score of 38/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

Evertec Inc converts 21.9% of revenue into free cash flow ($203.7M). This strong cash generation earns a score of 80/100.

Returns

Evertec Inc's ROE of 22.8% shows moderate profitability relative to equity, earning a score of 62/100. This is down from 23.8% the prior year.

Altman Z-Score Grey Zone

1.96

Evertec Inc scores 1.96, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Strong

7/9

Evertec Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 3 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.60x

For every $1 of reported earnings, Evertec Inc generates $1.60 in operating cash flow ($227.0M OCF vs $141.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

2.7x

Evertec Inc earns $2.7 in operating income for every $1 of interest expense ($186.4M vs $68.3M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$931.8M

YoY+10.2%

5Y CAGR+12.8%

10Y CAGR+9.6%

Evertec Inc generated $931.8M in revenue in fiscal year 2025. This represents an increase of 10.2% from the prior year.

EBITDA

$208.7M

YoY+11.1%

5Y CAGR+5.6%

10Y CAGR+5.8%

Evertec Inc's EBITDA was $208.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 11.1% from the prior year.

Net Income

$141.6M

YoY+25.7%

5Y CAGR+6.3%

10Y CAGR+5.2%

Evertec Inc reported $141.6M in net income in fiscal year 2025. This represents an increase of 25.7% from the prior year.

EPS (Diluted)

$2.20

YoY+27.2%

5Y CAGR+9.0%

10Y CAGR+7.1%

Evertec Inc earned $2.20 per diluted share (EPS) in fiscal year 2025. This represents an increase of 27.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$203.7M

YoY-13.2%

5Y CAGR+2.3%

10Y CAGR+3.7%

Evertec Inc generated $203.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 13.2% from the prior year.

Cash & Debt

$306.0M

YoY+11.8%

5Y CAGR+8.6%

10Y CAGR+26.7%

Evertec Inc held $306.0M in cash against $1.1B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.20

YoY+0.0%

5Y CAGR+0.0%

10Y CAGR-6.7%

Evertec Inc paid $0.20 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

62M

YoY-2.9%

5Y CAGR-3.1%

10Y CAGR-1.9%

Evertec Inc had 62M shares outstanding in fiscal year 2025. This represents a decrease of 2.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

20.0%

YoY+0.4pp

5Y CAGR-7.7pp

10Y CAGR-7.7pp

Evertec Inc's operating margin was 20.0% in fiscal year 2025, reflecting core business profitability. This is up 0.4 percentage points from the prior year.

Net Margin

15.2%

YoY+1.9pp

5Y CAGR-5.2pp

10Y CAGR-7.7pp

Evertec Inc's net profit margin was 15.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.9 percentage points from the prior year.

Return on Equity

22.8%

YoY-1.1pp

5Y CAGR-8.1pp

10Y CAGR-64.1pp

Evertec Inc's ROE was 22.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$69.3M

YoY-15.8%

5Y CAGR+56.8%

10Y CAGR+2.3%

Evertec Inc spent $69.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 15.8% from the prior year.

Capital Expenditures

$23.3M

YoY-8.0%

5Y CAGR+6.4%

10Y CAGR+1.0%

Evertec Inc invested $23.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 8.0% from the prior year.

EVTC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$931.8M+10.2%	$845.5M+21.7%	$694.7M+12.3%	$618.4M+4.9%	$589.8M+15.5%	$510.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$154.2M+5.9%	$145.6M+13.6%	$128.2M+42.8%	$89.8M+31.9%	$68.0M-3.9%	$70.8M
Operating Income	$186.4M+12.5%	$165.7M+21.7%	$136.2M-13.5%	$157.4M-19.9%	$196.5M+39.0%	$141.4M
Interest Expense	$68.3M-8.6%	$74.7M+131.2%	$32.3M+30.5%	$24.8M+8.6%	$22.8M-9.0%	$25.1M
Income Tax	$9.8M+102.5%	$4.8M-11.5%	$5.5M-81.1%	$29.0M+41.0%	$20.6M+8.2%	$19.0M
Net Income	$141.6M+25.7%	$112.6M+41.3%	$79.7M-66.6%	$239.0M+48.3%	$161.1M+54.3%	$104.4M
EPS (Diluted)	$2.20+27.2%	$1.73+43.0%	$1.21-64.9%	$3.45+56.1%	$2.21+54.5%	$1.43

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$244.8M+7.1%	$228.6M-0.4%	$229.6M+0.4%	$228.8M+5.7%	$216.4M+2.2%	$211.8M-0.1%	$212.0M+3.2%	$205.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$45.2M+19.9%	$37.7M+7.3%	$35.1M-3.1%	$36.2M-3.8%	$37.6M+10.4%	$34.1M-10.7%	$38.2M+7.2%	$35.6M
Operating Income	$43.1M+14.2%	$37.7M-32.8%	$56.1M+13.4%	$49.5M+3.2%	$48.0M+15.5%	$41.5M-4.2%	$43.4M+32.2%	$32.8M
Interest Expense	$18.0M+9.1%	$16.5M-1.1%	$16.7M-1.6%	$17.0M-2.3%	$17.4M-7.1%	$18.7M0.0%	$18.7M-6.2%	$19.9M
Income Tax	$1.6M+5390.3%	-$31K-100.8%	$4.1M-1.6%	$4.1M+136.7%	$1.7M+2.3%	$1.7M+55.0%	$1.1M+277.1%	$292K
Net Income	$35.6M+8.2%	$32.9M-18.8%	$40.5M+23.7%	$32.7M-18.4%	$40.1M+62.3%	$24.7M-22.6%	$31.9M+99.6%	$16.0M
EPS (Diluted)	N/A	$0.51-17.7%	$0.62+24.0%	$0.50	N/A	$0.38-22.4%	$0.49+104.2%	$0.24

EVTC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.2B+20.8%	$1.9B-9.8%	$2.1B+82.0%	$1.1B-1.1%	$1.1B+6.7%	$1.1B
Current Assets	$590.8M+11.7%	$529.1M-5.8%	$561.4M+44.3%	$389.1M-10.8%	$436.4M+21.5%	$359.0M
Cash & Equivalents	$306.0M+11.8%	$273.6M-7.4%	$295.6M+59.5%	$185.3M-28.1%	$257.9M+27.2%	$202.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$164.4M+19.5%	$137.5M+8.7%	$126.5M+13.5%	$111.5M-1.6%	$113.3M+18.3%	$95.7M
Goodwill	$892.0M+22.7%	$726.9M-8.2%	$791.7M+87.0%	$423.4M+7.6%	$393.3M-1.1%	$397.7M
Total Liabilities	$1.5B+14.3%	$1.3B-6.1%	$1.4B+116.9%	$657.0M-2.6%	$674.5M-7.6%	$730.1M
Current Liabilities	$285.0M+1.9%	$279.7M-6.3%	$298.3M+43.1%	$208.4M+36.3%	$152.9M-0.1%	$153.0M
Long-Term Debt	$1.1B+13.8%	$925.1M-2.3%	$946.8M+143.1%	$389.5M-12.4%	$444.8M-7.5%	$481.0M
Total Equity	$621.6M+31.6%	$472.5M-20.5%	$594.3M+26.0%	$471.5M+1.1%	$466.2M+38.0%	$337.7M
Retained Earnings	$687.7M+14.7%	$599.6M+11.3%	$538.9M+10.6%	$487.3M-3.7%	$506.1M+33.2%	$379.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$2.2B+4.4%	$2.1B+9.6%	$2.0B+2.3%	$1.9B+3.2%	$1.9B-2.0%	$1.9B+0.3%	$1.9B-5.3%	$2.0B
Current Assets	$590.8M-20.6%	$744.4M+30.5%	$570.6M+2.8%	$555.1M+4.9%	$529.1M-0.9%	$533.6M+0.5%	$530.8M-5.7%	$563.0M
Cash & Equivalents	$306.0M-35.5%	$474.7M+63.4%	$290.6M+9.3%	$265.9M-2.8%	$273.6M-0.6%	$275.4M+6.9%	$257.7M-12.2%	$293.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$164.4M+6.8%	$153.9M-1.9%	$156.9M-1.5%	$159.2M+15.8%	$137.5M+4.9%	$131.1M+7.2%	$122.3M-13.5%	$141.3M
Goodwill	$892.0M+14.4%	$779.7M+1.1%	$771.4M+2.5%	$752.6M+3.5%	$726.9M-3.1%	$750.5M+1.2%	$741.6M-4.7%	$777.9M
Total Liabilities	$1.5B+6.1%	$1.4B+10.5%	$1.3B-2.1%	$1.3B-0.4%	$1.3B-0.8%	$1.3B-1.1%	$1.4B-5.6%	$1.4B
Current Liabilities	$285.0M+11.3%	$256.2M-1.4%	$259.8M-7.1%	$279.6M0.0%	$279.7M+3.4%	$270.4M-7.1%	$291.0M-17.9%	$354.4M
Long-Term Debt	$1.1B-0.6%	$1.1B+15.8%	$914.9M-0.6%	$920.0M-0.6%	$925.1M-0.6%	$930.9M-0.6%	$936.0M-0.6%	$941.7M
Total Equity	$621.6M-6.3%	$663.8M+8.4%	$612.3M+13.0%	$542.1M+14.7%	$472.5M-6.0%	$502.6M+4.0%	$483.4M-4.7%	$507.3M
Retained Earnings	$687.7M-1.2%	$696.1M+4.5%	$666.4M+5.9%	$629.1M+4.9%	$599.6M+6.6%	$562.7M+4.0%	$541.2M+5.6%	$512.5M

EVTC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$227.0M-12.7%	$260.1M+23.1%	$211.2M-4.0%	$219.9M-3.7%	$228.4M+14.7%	$199.1M
Capital Expenditures	$23.3M-8.0%	$25.4M+18.4%	$21.4M-20.9%	$27.1M+7.8%	$25.1M+47.0%	$17.1M
Free Cash Flow	$203.7M-13.2%	$234.7M+23.7%	$189.8M-1.6%	$192.8M-5.2%	$203.3M+11.7%	$182.0M
Investing Cash Flow	-$238.2M-101.4%	-$118.3M+76.7%	-$507.9M-281.0%	-$133.3M-59.1%	-$83.8M-72.3%	-$48.6M
Financing Cash Flow	$28.4M+118.6%	-$152.6M-136.6%	$416.4M+371.6%	-$153.3M-88.6%	-$81.3M-29.8%	-$62.6M
Dividends Paid	$12.8M-0.7%	$12.9M-1.2%	$13.0M-5.4%	$13.8M-4.4%	$14.4M+0.2%	$14.4M
Share Buybacks	$69.3M-15.8%	$82.3M+128.0%	$36.1M-62.6%	$96.6M+296.1%	$24.4M+234.1%	$7.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$70.0M-1.2%	$70.9M+46.2%	$48.5M+28.8%	$37.6M-49.9%	$75.2M+40.3%	$53.6M-40.9%	$90.6M+122.7%	$40.7M
Capital Expenditures	$6.3M+12.5%	$5.6M+12.4%	$5.0M-22.0%	$6.4M+48.0%	$4.3M+13.2%	$3.8M-67.7%	$11.8M+119.7%	$5.4M
Free Cash Flow	$63.7M-2.4%	$65.3M+50.1%	$43.5M+39.2%	$31.2M-55.9%	$70.8M+42.4%	$49.7M-36.9%	$78.8M+123.2%	$35.3M
Investing Cash Flow	-$168.6M-526.4%	-$26.9M-32.3%	-$20.4M+8.8%	-$22.3M+57.7%	-$52.8M-245.3%	-$15.3M+45.7%	-$28.2M-28.1%	-$22.0M
Financing Cash Flow	-$60.7M-146.9%	$129.4M+1112.8%	-$12.8M+53.6%	-$27.5M-23.6%	-$22.3M+49.9%	-$44.5M+31.2%	-$64.7M-207.0%	-$21.1M
Dividends Paid	$3.2M0.0%	$3.2M-0.1%	$3.2M+0.7%	$3.2M0.0%	$3.2M-0.6%	$3.2M-0.7%	$3.2M-1.6%	$3.3M
Share Buybacks	$65.6M	$0-100.0%	$3.7M	$0	$0-100.0%	$12.3M	$0-100.0%	$70.0M

EVTC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	20.0%+0.4pp	19.6%-0.0pp	19.6%-5.8pp	25.4%-7.9pp	33.3%+5.6pp	27.7%
Net Margin	15.2%+1.9pp	13.3%+1.8pp	11.5%-27.2pp	38.6%+11.3pp	27.3%+6.9pp	20.4%
Return on Equity	22.8%-1.1pp	23.8%+10.4pp	13.4%-37.3pp	50.7%+16.1pp	34.6%+3.6pp	30.9%
Return on Assets	6.3%+0.3pp	6.1%+2.2pp	3.9%-17.3pp	21.1%+7.0pp	14.1%+4.3pp	9.7%
Current Ratio	2.07+0.2	1.89+0.0	1.88+0.0	1.87-1.0	2.85+0.5	2.35
Debt-to-Equity	1.69-0.3	1.96+0.4	1.59+0.8	0.83-0.1	0.95-0.5	1.42
FCF Margin	21.9%-5.9pp	27.8%+0.4pp	27.3%-3.9pp	31.2%-3.3pp	34.5%-1.2pp	35.6%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	17.6%+1.1pp	16.5%-7.9pp	24.4%+2.8pp	21.6%-0.5pp	22.2%+2.5pp	19.6%-0.8pp	20.4%+4.5pp	16.0%
Net Margin	14.5%+0.1pp	14.4%-3.2pp	17.6%+3.3pp	14.3%-4.2pp	18.5%+6.9pp	11.7%-3.4pp	15.0%+7.3pp	7.8%
Return on Equity	5.7%+0.8pp	5.0%-1.7pp	6.6%+0.6pp	6.0%-2.5pp	8.5%+3.6pp	4.9%-1.7pp	6.6%+3.5pp	3.1%
Return on Assets	1.6%+0.1pp	1.5%-0.5pp	2.1%+0.3pp	1.7%-0.5pp	2.2%+0.9pp	1.3%-0.4pp	1.7%+0.9pp	0.8%
Current Ratio	2.07-0.8	2.91+0.7	2.20+0.2	1.99+0.1	1.89-0.1	1.97+0.1	1.82+0.2	1.59
Debt-to-Equity	1.69+0.1	1.60+0.1	1.49-0.2	1.70-0.3	1.96+0.1	1.85-0.1	1.94+0.1	1.86
FCF Margin	26.0%-2.5pp	28.5%+9.6pp	18.9%+5.3pp	13.7%-19.1pp	32.7%+9.2pp	23.5%-13.7pp	37.2%+20.0pp	17.2%

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Frequently Asked Questions

What is Evertec Inc's annual revenue?

Evertec Inc (EVTC) reported $931.8M in total revenue for fiscal year 2025. This represents a 10.2% 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 Evertec Inc's revenue growing?

Evertec Inc (EVTC) revenue grew by 10.2% year-over-year, from $845.5M to $931.8M in fiscal year 2025.

Is Evertec Inc profitable?

Yes, Evertec Inc (EVTC) reported a net income of $141.6M in fiscal year 2025, with a net profit margin of 15.2%.

What is Evertec Inc's EBITDA?

Evertec Inc (EVTC) had EBITDA of $208.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Evertec Inc have?

As of fiscal year 2025, Evertec Inc (EVTC) had $306.0M in cash and equivalents against $1.1B in long-term debt.

What is Evertec Inc's operating margin?

Evertec Inc (EVTC) had an operating margin of 20.0% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Evertec Inc's net profit margin?

Evertec Inc (EVTC) had a net profit margin of 15.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Evertec Inc pay dividends?

Yes, Evertec Inc (EVTC) paid $0.20 per share in dividends during fiscal year 2025.

What is Evertec Inc's return on equity (ROE)?

Evertec Inc (EVTC) has a return on equity of 22.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Evertec Inc's free cash flow?

Evertec Inc (EVTC) generated $203.7M in free cash flow during fiscal year 2025. This represents a -13.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Evertec Inc's operating cash flow?

Evertec Inc (EVTC) generated $227.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Evertec Inc's total assets?

Evertec Inc (EVTC) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Evertec Inc's capital expenditures?

Evertec Inc (EVTC) invested $23.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Evertec Inc buy back shares?

Yes, Evertec Inc (EVTC) spent $69.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Evertec Inc have outstanding?

Evertec Inc (EVTC) had 62M shares outstanding as of fiscal year 2025.

What is Evertec Inc's current ratio?

Evertec Inc (EVTC) had a current ratio of 2.07 as of fiscal year 2025, which is generally considered healthy.

What is Evertec Inc's debt-to-equity ratio?

Evertec Inc (EVTC) had a debt-to-equity ratio of 1.69 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Evertec Inc's return on assets (ROA)?

Evertec Inc (EVTC) had a return on assets of 6.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Evertec Inc's Altman Z-Score?

Evertec Inc (EVTC) has an Altman Z-Score of 1.96, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Evertec Inc's Piotroski F-Score?

Evertec Inc (EVTC) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Evertec Inc's earnings high quality?

Evertec Inc (EVTC) has an earnings quality ratio of 1.60x, considered cash-backed (high quality). 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.

Can Evertec Inc cover its interest payments?

Evertec Inc (EVTC) has an interest coverage ratio of 2.7x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Evertec Inc?

Evertec Inc (EVTC) scores 61 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.