MURPHY USA INC. (MUSA) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MUSA SEC filings page.
MURPHY USA INC. (MUSA) reported $21.5B in revenue over the twelve months to Jun 30, 2026, up 10.3% 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).
Murphy USA converts shrinking sales into durable profits, while reinvestment and buybacks increasingly rely on a more leveraged balance sheet.
Revenue fell17.3% from FY2022 to FY2025, but net profit margin moved only from2.9% to2.4% ; that gap suggests a relatively stable low-margin operating model rather than profits being dependent on top-line expansion. The business therefore preserved profitability through lower sales, but did not create much additional margin cushion.
FY2025 operating cash flow was
Debt-to-equity rose from 2.2x in FY2024 to 3.5x in FY2025, a material shift toward borrowed financing as the equity base contracted. The company repurchased
Financial Health Signals
Scored against operating companies 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 MURPHY USA INC.'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.
MURPHY USA INC. has an operating margin of 3.7%, meaning the company retains $4 of operating profit per $100 of revenue. This results in a moderate score of 61/100, indicating healthy but not exceptional operating efficiency. This is unchanged from the prior year.
MURPHY USA INC.'s revenue declined 4.2% year-over-year, from $20.2B to $19.4B. This contraction results in a growth score of 16/100.
MURPHY USA INC. has a moderate D/E ratio of 3.47. This balance of debt and equity financing earns a leverage score of 30/100.
MURPHY USA INC.'s current ratio of 0.80 is below the typical benchmark, resulting in a score of 11/100. This tight liquidity could limit financial flexibility if cash inflows slow.
MURPHY USA INC. has a free cash flow margin of 1.9%, earning a moderate score of 32/100. The company generates positive cash flow after capital investments, but with room for improvement.
MURPHY USA INC. earns a strong 75.5% return on equity (ROE), meaning it generates $75 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 87/100. This is up from 59.8% the prior year.
MURPHY USA INC. scores 7.17, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
MURPHY USA INC. passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, MURPHY USA INC. generates $1.73 in operating cash flow ($813.9M OCF vs $470.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
MURPHY USA INC. earns $6.48 in operating income for every $1 of interest expense ($718.5M vs $110.9M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
MURPHY USA INC. generated $6.8B in revenue in Q2 2026. This represents an increase of 36.0% from the same quarter a year earlier. Against the prior quarter it is up 41.2%.
MURPHY USA INC.'s EBITDA was $377.1M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 32.2% from the same quarter a year earlier. Against the prior quarter it is up 36.0%.
MURPHY USA INC. reported $209.1M in net income in Q2 2026. This represents an increase of 43.6% from the same quarter a year earlier. Against the prior quarter it is up 53.4%.
MURPHY USA INC. earned $11.27 per diluted share (EPS) in Q2 2026. This represents an increase of 53.1% from the same quarter a year earlier. Against the prior quarter it is up 54.8%.
Cash & Balance Sheet
MURPHY USA INC. generated $123.3M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 10.1% from the same quarter a year earlier. Against the prior quarter it is down 44.4%.
MURPHY USA INC. held $175.4M in cash against $2.2B in long-term debt as of Q2 2026.
MURPHY USA INC. paid $0.64 per share in dividends in Q2 2026. This represents an increase of 28.0% from the same quarter a year earlier. Against the prior quarter it is up 1.6%.
Margins & Returns
MURPHY USA INC.'s operating margin was 4.5% in Q2 2026, reflecting core business profitability. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
MURPHY USA INC.'s net profit margin was 3.1% in Q2 2026, showing the share of revenue converted to profit. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
MURPHY USA INC.'s ROE was 26.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 4.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.0 percentage points.
Not reported for Q2 2026.
Capital Allocation
MURPHY USA INC. spent $82.3M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 61.5% from the same quarter a year earlier. Against the prior quarter it is up 16.7%.
MURPHY USA INC. invested $111.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is up 13.6%.
Not reported for Q2 2026.
MUSA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.8B+36.0% | $4.8B+6.5% | $4.7B+0.7% | $5.1B-2.5% | $5.0B-8.2% | $4.5B-6.6% | $4.7B-7.1% | $5.2B-9.6% |
| SG&A Expenses | $60.5M+18.9% | $56.6M-5.8% | $65.2M+20.3% | $55.3M-7.8% | $50.9M-13.9% | $60.1M-3.2% | $54.2M-12.7% | $60.0M0.0% |
| Operating Income | $304.9M+39.1% | $205.2M+133.2% | $209.5M+5.3% | $201.8M-8.9% | $219.2M+1.0% | $88.0M-16.3% | $199.0M-8.4% | $221.6M-10.4% |
| EBITDA | $377.1M+32.2% | $277.3M+77.5% | $282.2M+6.0% | $271.7M-4.5% | $285.2M+3.2% | $156.2M-4.7% | $266.2M-2.9% | $284.4M-6.7% |
| Interest Expense | $29.3M+5.4% | $29.0M+14.2% | $28.6M+24.9% | $29.1M+19.3% | $27.8M+11.6% | $25.4M+2.0% | $22.9M-4.6% | $24.4M-0.8% |
| Income Tax | $68.5M+46.1% | $39.9M+358.6% | $39.5M+11.9% | $43.5M-12.1% | $46.9M-3.1% | $8.7M-45.3% | $35.3M-23.8% | $49.5M-11.1% |
| Net Income | $209.1M+43.6% | $136.3M+156.2% | $141.9M-0.4% | $129.9M-12.9% | $145.6M+0.6% | $53.2M-19.4% | $142.5M-5.0% | $149.2M-11.0% |
| EPS (Basic) | $11.34+52.4% | $7.36+175.7% | $7.55+7.2% | $6.83-6.4% | $7.44+6.0% | $2.67-15.8% | $7.04-1.0% | $7.30-6.8% |
| EPS (Diluted) | $11.27+53.1% | $7.28+176.8% | $7.46+7.5% | $6.76-6.1% | $7.36+6.4% | $2.63-15.7% | $6.94-1.1% | $7.20-6.4% |
| Diluted Shares (Avg) | 19M-6.1% | 19M-7.4% | N/A | 19M-7.2% | 20M-5.5% | 20M-4.5% | N/A | 21M-4.8% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
MUSA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.1B+10.0% | $4.9B+8.1% | $4.7B+4.1% | $4.7B+6.2% | $4.6B+4.3% | $4.5B+4.5% | $4.5B+4.6% | $4.4B+2.3% |
| Current Assets | $1.0B+29.8% | $871.1M+21.6% | $747.8M0.0% | $763.3M+10.8% | $776.4M-5.3% | $716.4M-6.7% | $748.1M-9.5% | $689.1M-18.0% |
| Cash & Equivalents | $175.4M+224.2% | $118.6M+140.1% | $28.9M-38.5% | $42.8M-18.5% | $54.1M-32.2% | $49.4M-12.9% | $47.0M-60.1% | $52.5M-57.9% |
| Short-Term Investments | $0 | $0 | $0 | $0-100.0% | $0-100.0% | $0-100.0% | $0-100.0% | $1.5M-82.4% |
| Inventory | $417.4M+5.0% | $363.3M-0.3% | $413.0M+2.8% | $387.2M+13.5% | $397.5M+25.8% | $364.4M+24.5% | $401.6M+17.7% | $341.2M+1.7% |
| Accounts Receivable | $379.2M+28.0% | $354.1M+30.1% | $276.2M+2.9% | $304.1M+15.8% | $296.3M-23.3% | $272.1M-28.5% | $268.5M-20.3% | $262.6M-23.7% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0-100.0% | $0-100.0% | $0-100.0% | $0-100.0% |
| Goodwill | $328.0M0.0% | $328.0M0.0% | $328.0M0.0% | $328.0M0.0% | $328.0M0.0% | $328.0M0.0% | $328.0M0.0% | $328.0M0.0% |
| Total Liabilities | $4.3B+8.2% | $4.2B+11.2% | $4.1B+10.8% | $4.1B+15.6% | $4.0B+9.9% | $3.8B+7.3% | $3.7B+5.4% | $3.6B+3.2% |
| Current Liabilities | $1.1B+11.6% | $1.0B+17.7% | $929.1M-2.0% | $940.2M+9.5% | $976.1M+0.6% | $891.8M+0.8% | $947.9M+8.6% | $858.8M+3.8% |
| Non-Current Liabilities | $3.2B+7.1% | $3.2B+9.2% | $3.2B+15.2% | $3.2B+17.6% | $3.0B+13.3% | $2.9B+9.5% | $2.8B+4.4% | $2.7B+3.0% |
| Long-Term Debt | $2.2B+4.9% | $2.1B+8.3% | $2.2B+18.1% | $2.2B+22.1% | $2.1B+16.0% | $2.0B+10.7% | $1.8B+2.7% | $1.8B+1.9% |
| Total Equity | $782.7M+21.1% | $658.7M-8.5% | $623.5M-25.8% | $546.0M-34.2% | $646.1M-20.4% | $719.6M-7.9% | $840.1M+1.4% | $830.1M-1.7% |
| Retained Earnings | $4.5B+14.6% | $4.3B+13.5% | $4.2B+11.5% | $4.0B+11.9% | $3.9B+13.0% | $3.8B+13.5% | $3.7B+14.2% | $3.6B+15.1% |
MUSA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $235.0M-7.9% | $320.0M+149.0% | $245.5M-1.3% | $184.8M-8.6% | $255.1M-2.2% | $128.5M-5.5% | $248.7M-8.9% | $202.1M+6.4% |
| Depreciation & Amortization | $72.2M+9.4% | $72.1M+5.7% | $72.7M+8.2% | $69.9M+11.3% | $66.0M+11.3% | $68.2M+16.2% | $67.2M+17.9% | $62.8M+9.2% |
| Stock-Based Compensation | N/A | $3.4M-42.4% | N/A | N/A | N/A | $5.9M+5.4% | N/A | N/A |
| Capital Expenditures | $111.7M-5.3% | $98.3M+12.0% | $116.7M-8.1% | $117.1M-14.5% | $118.0M0.0% | $87.8M+15.2% | $127.0M+14.4% | $136.9M+72.4% |
| Free Cash Flow | $123.3M-10.1% | $221.7M+444.7% | $128.8M+5.8% | $67.7M+3.8% | $137.1M-4.0% | $40.7M-31.9% | $121.7M-24.9% | $65.2M-41.0% |
| Investing Cash Flow | -$101.3M+13.1% | -$98.5M-12.3% | -$114.8M+8.1% | -$116.9M+11.1% | -$116.6M-1.8% | -$87.7M-17.1% | -$124.9M-17.2% | -$131.5M-76.0% |
| Financing Cash Flow | -$76.9M+42.5% | -$131.8M-243.2% | -$144.6M-11.8% | -$79.2M+19.1% | -$133.8M-8.6% | -$38.4M+68.6% | -$129.3M+25.5% | -$97.9M-17.4% |
| Dividends Paid | $11.8M+20.4% | $11.7M+19.4% | $11.8M+21.6% | $10.1M+9.8% | $9.8M+7.7% | $9.8M+11.4% | $9.7M+11.5% | $9.2M+9.5% |
| Share Buybacks | $82.3M-61.5% | $70.5M-53.0% | $66.9M-47.7% | $219.2M+75.1% | $213.8M+101.5% | $150.0M+73.6% | $128.0M-20.2% | $125.2M+93.2% |
MUSA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 4.5%+0.1pp | 4.3%+2.3pp | 4.4%+0.2pp | 4.0%-0.3pp | 4.4%+0.4pp | 1.9%-0.2pp | 4.2%-0.1pp | 4.2%0.0pp |
| Net Margin | 3.1%+0.2pp | 2.8%+1.7pp | 3.0%0.0pp | 2.5%-0.3pp | 2.9%+0.3pp | 1.2%-0.2pp | 3.0%+0.1pp | 2.9%0.0pp |
| Return on Equity | 26.7%+4.2pp | 20.7%+13.3pp | 22.8%+5.8pp | 23.8%+5.8pp | 22.5%+4.7pp | 7.4%-1.1pp | 17.0%-1.1pp | 18.0%-1.9pp |
| Return on Assets | 4.1%+1.0pp | 2.8%+1.6pp | 3.0%-0.1pp | 2.8%-0.6pp | 3.1%-0.1pp | 1.2%-0.3pp | 3.1%-0.3pp | 3.4%-0.5pp |
| Current Ratio | 0.92+0.1x | 0.830.0x | 0.800.0x | 0.810.0x | 0.800.0x | 0.80-0.1x | 0.79-0.2x | 0.80-0.2x |
| Debt-to-Equity | 2.77-0.4x | 3.24+0.5x | 3.47+1.3x | 4.07+1.9x | 3.20+1.0x | 2.74+0.5x | 2.180.0x | 2.19+0.1x |
| Asset Turnover | 1.34+0.3x | 0.990.0x | 1.000.0x | 1.09-0.1x | 1.08-0.1x | 1.01-0.1x | 1.04-0.1x | 1.19-0.2x |
| FCF Margin | 1.8%-0.9pp | 4.6%+3.7pp | 2.7%+0.1pp | 1.3%+0.1pp | 2.7%+0.1pp | 0.9%-0.3pp | 2.6%-0.6pp | 1.2%-0.7pp |
Not reported in any period shown, so not listed: Gross Margin.
Note: The current ratio is below 1.0 (0.80), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| MURPHY USA INC. MUSA | FY2025 | $19.4B | $470.6M | 2.4% | $9.4B | 40/100 |
| Five Below, Inc. FIVE | FY2025 | $4.8B | $358.6M | 7.5% | $12.2B | 62/100 |
| Bath & Body Works, Inc. BBWI | FY2025 | $7.3B | $649.0M | 8.9% | $3.2B | 56/100 |
| RH RH | FY2025 | $3.4B | $124.8M | 3.6% | $2.3B | 43/100 |
| Academy Sports and Outdoors, Inc. ASO | FY2025 | $6.1B | $376.8M | 6.2% | $3.0B | 57/100 |
Where MURPHY USA INC. Ranks
Frequently Asked Questions
What is MURPHY USA INC.'s annual revenue?
MURPHY USA INC. (MUSA) reported $19.4B in total revenue for fiscal year 2025. This represents a -4.2% 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 MURPHY USA INC.'s revenue growing?
MURPHY USA INC. (MUSA) revenue declined by 4.2% year-over-year, from $20.2B to $19.4B in fiscal year 2025.
Is MURPHY USA INC. profitable?
Yes, MURPHY USA INC. (MUSA) reported a net income of $470.6M in fiscal year 2025, with a net profit margin of 2.4%.
What is MURPHY USA INC.'s EBITDA?
MURPHY USA INC. (MUSA) had EBITDA of $995.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does MURPHY USA INC. have?
As of fiscal year 2025, MURPHY USA INC. (MUSA) had $28.9M in cash and equivalents against $2.2B in long-term debt.
What is MURPHY USA INC.'s operating margin?
MURPHY USA INC. (MUSA) had an operating margin of 3.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is MURPHY USA INC.'s net profit margin?
MURPHY USA INC. (MUSA) had a net profit margin of 2.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does MURPHY USA INC. pay dividends?
Yes, MURPHY USA INC. (MUSA) paid $2.15 per share in dividends during fiscal year 2025.
What is MURPHY USA INC.'s return on equity (ROE)?
MURPHY USA INC. (MUSA) has a return on equity of 75.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is MURPHY USA INC.'s free cash flow?
MURPHY USA INC. (MUSA) generated $374.3M in free cash flow during fiscal year 2025. This represents a -3.9% 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 MURPHY USA INC.'s operating cash flow?
MURPHY USA INC. (MUSA) generated $813.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are MURPHY USA INC.'s total assets?
MURPHY USA INC. (MUSA) had $4.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are MURPHY USA INC.'s capital expenditures?
MURPHY USA INC. (MUSA) invested $439.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is MURPHY USA INC.'s current ratio?
MURPHY USA INC. (MUSA) had a current ratio of 0.80 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is MURPHY USA INC.'s debt-to-equity ratio?
MURPHY USA INC. (MUSA) had a debt-to-equity ratio of 3.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is MURPHY USA INC.'s return on assets (ROA)?
MURPHY USA INC. (MUSA) had a return on assets of 10.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is MURPHY USA INC.'s P/E ratio?
MURPHY USA INC. (MUSA) trades at 15.2x earnings, its market capitalization divided by net income of $617.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $9.4B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is MURPHY USA INC.'s price-to-sales ratio?
MURPHY USA INC. (MUSA) trades at 0.4x sales, its market capitalization divided by revenue of $21.5B revenue, trailing 12 months to June 30, 2026. The market capitalization is $9.4B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is MURPHY USA INC.'s Altman Z-Score?
MURPHY USA INC. (MUSA) has an Altman Z-Score of 7.17, placing it in the Safe Zone (low bankruptcy 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 MURPHY USA INC.'s Piotroski F-Score?
MURPHY USA INC. (MUSA) has a Piotroski F-Score of 5 out of 8 computable signals; 1 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 MURPHY USA INC.'s earnings high quality?
MURPHY USA INC. (MUSA) has an earnings quality ratio of 1.73x, 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 MURPHY USA INC. cover its interest payments?
MURPHY USA INC. (MUSA) has an interest coverage ratio of 6.48x, meaning it can comfortably 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 MURPHY USA INC.?
MURPHY USA INC. (MUSA) scores 40 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), 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.