What is Ncino, Inc.'s earnings per share (EPS)?

Ncino, Inc. (NCNO) reported diluted earnings per share of $-0.38 for fiscal year 2026. This represents a -15.2% 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.

Ncino, Inc. Financials

NCNO

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE March

This page shows Ncino, Inc. (NCNO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 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 29/100

Based on FY2026 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Ncino, Inc. has an operating margin of -9.7%, meaning the company retains $-10 of operating profit per $100 of revenue. This below-average margin results in a low score of 1/100, suggesting thin profitability after operating expenses. This is down from -3.4% the prior year.

Growth

Ncino, Inc.'s revenue declined 24.3% year-over-year, from $540.7M to $409.5M. This contraction results in a growth score of 0/100.

Leverage

Ncino, Inc. carries a low D/E ratio of 0.47, meaning only $0.47 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Ncino, Inc.'s current ratio of 1.20 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 19/100, which could limit financial flexibility.

Cash Flow

Ncino, Inc. has a free cash flow margin of 13.1%, earning a moderate score of 58/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Ncino, Inc. generates a -3.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 2/100. This is down from -3.5% the prior year.

Piotroski F-Score Neutral

5/9

Ncino, Inc. passes 5 of 9 financial strength tests. 2 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Mixed

-1.35x

For every $1 of reported earnings, Ncino, Inc. generates $-1.35 in operating cash flow ($57.3M OCF vs -$42.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage At Risk

-9.6x

Ncino, Inc. earns $-9.6 in operating income for every $1 of interest expense (-$39.5M vs $4.1M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$409.5M

YoY-24.3%

5Y CAGR+14.9%

Ncino, Inc. generated $409.5M in revenue in fiscal year 2026. This represents a decrease of 24.3% from the prior year.

EBITDA

$5.8M

YoY-68.4%

Ncino, Inc.'s EBITDA was $5.8M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 68.4% from the prior year.

Net Income

-$42.3M

YoY-11.8%

Ncino, Inc. reported -$42.3M in net income in fiscal year 2026. This represents a decrease of 11.8% from the prior year.

EPS (Diluted)

$-0.38

YoY-15.2%

Ncino, Inc. earned $-0.38 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 15.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$53.8M

YoY+0.7%

5Y CAGR+61.6%

Ncino, Inc. generated $53.8M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 0.7% from the prior year.

Cash & Debt

$2.3M

YoY-98.3%

5Y CAGR-64.3%

Ncino, Inc. held $2.3M in cash against $0 in long-term debt as of fiscal year 2026.

Dividends Per Share

N/A

Shares Outstanding

115M

YoY-1.6%

5Y CAGR+0.9%

Ncino, Inc. had 115M shares outstanding in fiscal year 2026. This represents a decrease of 1.6% from the prior year.

Margins & Returns

Gross Margin

69.6%

YoY+9.6pp

5Y CAGR+12.8pp

Ncino, Inc.'s gross margin was 69.6% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is up 9.6 percentage points from the prior year.

Operating Margin

-9.7%

YoY-6.3pp

5Y CAGR+11.2pp

Ncino, Inc.'s operating margin was -9.7% in fiscal year 2026, reflecting core business profitability. This is down 6.3 percentage points from the prior year.

Net Margin

-10.3%

YoY-3.3pp

5Y CAGR+9.5pp

Ncino, Inc.'s net profit margin was -10.3% in fiscal year 2026, showing the share of revenue converted to profit. This is down 3.3 percentage points from the prior year.

Return on Equity

-3.9%

YoY-0.4pp

5Y CAGR+5.7pp

Ncino, Inc.'s ROE was -3.9% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.

Capital Allocation

R&D Spending

$117.3M

YoY-9.4%

5Y CAGR+15.0%

Ncino, Inc. invested $117.3M in research and development in fiscal year 2026. This represents a decrease of 9.4% from the prior year.

Share Buybacks

$125.1M

Ncino, Inc. spent $125.1M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$3.5M

YoY+93.6%

5Y CAGR-4.1%

Ncino, Inc. invested $3.5M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 93.6% from the prior year.

NCNO Income Statement

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Revenue	$409.5M-24.3%	$540.7M+13.5%	$476.5M+16.7%	$408.3M+49.1%	$273.9M+34.1%	$204.3M
Cost of Revenue	$120.9M-44.0%	$215.9M+12.7%	$191.5M+12.9%	$169.6M+52.2%	$111.4M+26.4%	$88.1M
Gross Profit	$285.1M-12.2%	$324.8M+13.9%	$285.1M+19.4%	$238.7M+46.9%	$162.5M+39.9%	$116.2M
R&D Expenses	$117.3M-9.4%	$129.4M+10.3%	$117.3M-3.5%	$121.6M+53.2%	$79.4M+36.2%	$58.3M
SG&A Expenses	$76.7M-15.0%	$90.3M+17.6%	$76.7M-8.1%	$83.5M+16.7%	$71.5M+75.5%	$40.8M
Operating Income	-$39.5M-117.9%	-$18.1M+54.1%	-$39.5M+58.0%	-$94.0M-31.8%	-$71.4M-67.5%	-$42.6M
Interest Expense	$4.1M-52.8%	$8.8M+111.9%	$4.1M+47.3%	$2.8M+85.4%	$1.5M+1064.6%	$130K
Income Tax	$1.6M+163.3%	-$2.5M-257.9%	$1.6M-60.9%	$4.1M+117.1%	-$23.8M-4167.1%	$586K
Net Income	-$42.3M-11.8%	-$37.9M+10.6%	-$42.3M+58.8%	-$102.7M-107.7%	-$49.4M-22.0%	-$40.5M
EPS (Diluted)	$-0.38-15.2%	$-0.33+13.2%	$-0.38+59.1%	$-0.93-82.4%	$-0.51-10.9%	$-0.46

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$152.2M+2.2%	$148.8M+3.2%	$144.1M+2.0%	$141.4M+1.9%	$138.8M+4.8%	$132.4M+3.4%	$128.1M+3.6%	$123.7M
Cost of Revenue	$58.5M-3.6%	$60.7M+5.2%	$57.7M+1.2%	$57.0M+6.1%	$53.7M-0.3%	$53.9M+5.4%	$51.2M+4.0%	$49.2M
Gross Profit	$93.7M+6.3%	$88.1M+1.9%	$86.4M+2.5%	$84.4M-0.8%	$85.1M+8.4%	$78.5M+2.0%	$76.9M+3.3%	$74.5M
R&D Expenses	$29.5M-14.8%	$34.7M+4.0%	$33.3M+3.8%	$32.1M-2.7%	$33.0M-3.6%	$34.3M+14.3%	$30.0M-0.7%	$30.2M
SG&A Expenses	$19.3M-24.2%	$25.5M+17.8%	$21.6M-10.6%	$24.2M+4.8%	$23.1M+13.3%	$20.4M-9.5%	$22.5M+28.9%	$17.5M
Operating Income	$11.7M+226.0%	-$9.3M-514.4%	-$1.5M+73.6%	-$5.7M-596.4%	-$824K+89.6%	-$7.9M-115.8%	-$3.7M-15.0%	-$3.2M
Interest Expense	$4.3M-2.5%	$4.4M-0.1%	$4.5M+17.2%	$3.8M+129.8%	$1.7M-9.9%	$1.8M+24.2%	$1.5M+72.1%	$858K
Income Tax	-$695K-157.5%	$1.2M-73.3%	$4.5M+217.1%	-$3.9M-249.5%	$2.6M+47.7%	$1.8M+158.8%	-$3.0M+4.7%	-$3.1M
Net Income	$6.5M+142.9%	-$15.3M-374.3%	$5.6M+129.9%	-$18.6M-254.3%	-$5.3M+52.4%	-$11.0M-271.0%	-$3.0M-356.6%	$1.2M
EPS (Diluted)	$0.06+146.2%	$-0.13-360.0%	$0.05	N/A	$-0.05+50.0%	$-0.10-233.3%	$-0.03	N/A

NCNO Balance Sheet

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Total Assets	$1.6B-2.5%	$1.7B+15.9%	$1.4B+8.3%	$1.3B+1.4%	$1.3B-0.3%	$1.3B
Current Assets	$302.2M+10.4%	$273.7M+15.7%	$236.6M+11.8%	$211.6M+22.2%	$173.2M-5.6%	$183.5M
Cash & Equivalents	$2.3M-98.3%	$133.2M+2.9%	$129.5M+31.9%	$98.1M+24.7%	$78.7M-79.6%	$386.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$146.8M+40.6%	$104.4M+33.0%	$78.5M-3.3%	$81.2M+11.5%	$72.8M-2.3%	$74.5M
Goodwill	$1.0B-5.7%	$1.1B+19.1%	$907.5M+8.2%	$838.9M-0.3%	$841.5M0.0%	$841.5M
Total Liabilities	$512.8M-10.0%	$570.0M+60.2%	$355.9M+24.5%	$285.9M+18.3%	$241.5M-72.4%	$876.0M
Current Liabilities	$251.5M-3.5%	$260.7M+17.6%	$221.7M-0.6%	$223.1M+22.0%	$182.8M+4.9%	$174.4M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+1.6%	$1.1B+0.8%	$1.1B+3.8%	$1.0B-2.5%	$1.1B+147.5%	$425.0M
Retained Earnings	-$385.3M-1.6%	-$379.4M-6.9%	-$354.9M-10.3%	-$321.7M-34.4%	-$239.3M-14.1%	-$209.6M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$1.6B-3.4%	$1.6B-2.1%	$1.7B+2.5%	$1.6B+6.2%	$1.5B+7.7%	$1.4B-1.1%	$1.4B+6.2%	$1.3B
Current Assets	$209.2M-18.0%	$255.1M-6.8%	$273.7M-9.5%	$302.2M-13.3%	$348.6M+52.4%	$228.8M-3.3%	$236.6M-5.7%	$250.8M
Cash & Equivalents	$87.6M-28.8%	$122.9M-7.7%	$133.2M+10.2%	$120.9M-53.1%	$257.9M+112.4%	$121.4M-6.2%	$129.5M+15.5%	$112.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$86.9M-11.7%	$98.5M-5.7%	$104.4M-28.9%	$146.8M+125.8%	$65.0M-17.5%	$78.8M+0.4%	$78.5M-30.5%	$113.0M
Goodwill	$1.1B0.0%	$1.1B-0.9%	$1.1B+6.0%	$1.0B+12.2%	$908.6M+0.1%	$908.0M+0.1%	$907.5M+8.2%	$838.9M
Total Liabilities	$507.3M-7.6%	$548.9M-3.7%	$570.0M+11.2%	$512.8M+21.2%	$423.1M+28.3%	$329.8M-7.3%	$355.9M+23.7%	$287.8M
Current Liabilities	$208.1M-16.3%	$248.6M-4.6%	$260.7M+3.7%	$251.5M+40.6%	$178.9M-15.2%	$211.0M-4.8%	$221.7M+3.1%	$215.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.0B-1.5%	$1.1B-1.4%	$1.1B-1.6%	$1.1B+0.1%	$1.1B+1.2%	$1.1B+1.0%	$1.1B+1.4%	$1.0B
Retained Earnings	-$384.4M+2.2%	-$393.0M-3.6%	-$379.4M+1.5%	-$385.3M-4.2%	-$369.8M-1.1%	-$365.9M-3.1%	-$354.9M-0.6%	-$352.8M

NCNO Cash Flow Statement

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$57.3M+3.8%	$55.2M-3.6%	$57.3M+472.4%	-$15.4M+20.0%	-$19.2M-308.5%	$9.2M
Capital Expenditures	$3.5M+93.6%	$1.8M-48.3%	$3.5M-80.8%	$18.3M+235.7%	$5.5M+25.9%	$4.3M
Free Cash Flow	$53.8M+0.7%	$53.4M-0.7%	$53.8M+259.5%	-$33.7M-36.6%	-$24.7M-605.6%	$4.9M
Investing Cash Flow	-$6.3M+97.1%	-$219.2M-3363.6%	-$6.3M+69.5%	-$20.7M+92.6%	-$278.5M-6319.7%	-$4.3M
Financing Cash Flow	-$21.1M-112.4%	$170.5M+907.5%	-$21.1M-157.5%	$36.7M+130.6%	$15.9M-94.2%	$274.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$125.1M	N/A	N/A	N/A	N/A	N/A

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	$5.1M-71.4%	$17.7M-67.3%	$54.3M+642.2%	-$10.0M-273.4%	$5.8M+15.6%	$5.0M-90.8%	$54.4M+568.2%	$8.1M
Capital Expenditures	$174K-96.6%	$5.1M+199.7%	$1.7M+390.9%	$350K-48.5%	$680K+53.2%	$444K+29.8%	$342K-20.8%	$432K
Free Cash Flow	$4.9M-61.1%	$12.6M-76.1%	$52.6M+607.3%	-$10.4M-303.4%	$5.1M+11.9%	$4.6M-91.6%	$54.1M+601.1%	$7.7M
Investing Cash Flow	-$174K+96.6%	-$5.1M+89.3%	-$48.3M+61.8%	-$126.4M-15131.6%	-$830K-19.3%	-$696K+99.2%	-$91.2M-23352.2%	-$389K
Financing Cash Flow	-$39.6M-76.7%	-$22.4M-1097.1%	$2.3M+10.3%	$2.0M-98.4%	$125.3M+1077.1%	-$12.8M-122.9%	$56.0M+1818.4%	$2.9M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$39.5M+97.3%	$20.0M-50.7%	$40.6M	N/A	$0	$0	$0	N/A

NCNO Financial Ratios

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Gross Margin	69.6%+9.6pp	60.1%+0.3pp	59.8%+1.4pp	58.5%-0.9pp	59.3%+2.5pp	56.9%
Operating Margin	-9.7%-6.3pp	-3.4%+4.9pp	-8.3%+14.7pp	-23.0%+3.0pp	-26.1%-5.2pp	-20.9%
Net Margin	-10.3%-3.3pp	-7.0%+1.9pp	-8.9%+16.3pp	-25.2%-7.1pp	-18.1%+1.8pp	-19.8%
Return on Equity	-3.9%-0.4pp	-3.5%+0.5pp	-4.0%+6.0pp	-10.0%-5.3pp	-4.7%+4.8pp	-9.5%
Return on Assets	-2.6%-0.3pp	-2.3%+0.7pp	-3.0%+4.8pp	-7.8%-4.0pp	-3.8%-0.7pp	-3.1%
Current Ratio	1.20+0.2	1.05-0.0	1.07+0.1	0.950.0	0.95-0.1	1.05
Debt-to-Equity	0.47-0.1	0.53+0.2	0.33+0.1	0.28+0.0	0.23-1.8	2.06
FCF Margin	13.1%+3.3pp	9.9%-1.4pp	11.3%+19.5pp	-8.3%+0.8pp	-9.0%-11.4pp	2.4%

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	61.6%+2.4pp	59.2%-0.8pp	60.0%+0.3pp	59.7%-1.6pp	61.3%+2.0pp	59.3%-0.8pp	60.0%-0.2pp	60.2%
Operating Margin	7.7%+14.0pp	-6.3%-5.2pp	-1.1%+3.0pp	-4.1%-3.5pp	-0.6%+5.4pp	-6.0%-3.1pp	-2.9%-0.3pp	-2.6%
Net Margin	4.3%+14.5pp	-10.3%-14.1pp	3.9%+17.0pp	-13.2%-9.4pp	-3.8%+4.6pp	-8.3%-6.0pp	-2.3%-3.3pp	0.9%
Return on Equity	0.6%+2.1pp	-1.4%-2.0pp	0.5%+2.2pp	-1.7%-1.2pp	-0.5%+0.6pp	-1.0%-0.8pp	-0.3%-0.4pp	0.1%
Return on Assets	0.4%+1.4pp	-0.9%-1.3pp	0.3%+1.5pp	-1.2%-0.8pp	-0.4%+0.4pp	-0.8%-0.6pp	-0.2%-0.3pp	0.1%
Current Ratio	1.01-0.0	1.03-0.0	1.05-0.2	1.20-0.7	1.95+0.9	1.08+0.0	1.07-0.1	1.17
Debt-to-Equity	0.49-0.0	0.52-0.0	0.53+0.1	0.47+0.1	0.39+0.1	0.31-0.0	0.33+0.1	0.27
FCF Margin	3.2%-5.2pp	8.5%-28.0pp	36.5%+43.8pp	-7.3%-11.0pp	3.7%+0.2pp	3.4%-38.8pp	42.2%+36.0pp	6.2%

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Frequently Asked Questions

What is Ncino, Inc.'s annual revenue?

Ncino, Inc. (NCNO) reported $409.5M in total revenue for fiscal year 2026. This represents a -24.3% 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 Ncino, Inc.'s revenue growing?

Ncino, Inc. (NCNO) revenue declined by 24.3% year-over-year, from $540.7M to $409.5M in fiscal year 2026.

Is Ncino, Inc. profitable?

No, Ncino, Inc. (NCNO) reported a net income of -$42.3M in fiscal year 2026, with a net profit margin of -10.3%.

What is Ncino, Inc.'s EBITDA?

Ncino, Inc. (NCNO) had EBITDA of $5.8M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.

What is Ncino, Inc.'s gross margin?

Ncino, Inc. (NCNO) had a gross margin of 69.6% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.

What is Ncino, Inc.'s operating margin?

Ncino, Inc. (NCNO) had an operating margin of -9.7% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.

What is Ncino, Inc.'s net profit margin?

Ncino, Inc. (NCNO) had a net profit margin of -10.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

What is Ncino, Inc.'s return on equity (ROE)?

Ncino, Inc. (NCNO) has a return on equity of -3.9% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

What is Ncino, Inc.'s free cash flow?

Ncino, Inc. (NCNO) generated $53.8M in free cash flow during fiscal year 2026. This represents a 0.7% 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 Ncino, Inc.'s operating cash flow?

Ncino, Inc. (NCNO) generated $57.3M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

What are Ncino, Inc.'s total assets?

Ncino, Inc. (NCNO) had $1.6B in total assets as of fiscal year 2026, including both current and long-term assets.

What are Ncino, Inc.'s capital expenditures?

Ncino, Inc. (NCNO) invested $3.5M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

How much does Ncino, Inc. spend on research and development?

Ncino, Inc. (NCNO) invested $117.3M in research and development during fiscal year 2026.

Does Ncino, Inc. buy back shares?

Yes, Ncino, Inc. (NCNO) spent $125.1M on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

How many shares does Ncino, Inc. have outstanding?

Ncino, Inc. (NCNO) had 115M shares outstanding as of fiscal year 2026.

What is Ncino, Inc.'s current ratio?

Ncino, Inc. (NCNO) had a current ratio of 1.20 as of fiscal year 2026, which is considered adequate.

What is Ncino, Inc.'s debt-to-equity ratio?

Ncino, Inc. (NCNO) had a debt-to-equity ratio of 0.47 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ncino, Inc.'s return on assets (ROA)?

Ncino, Inc. (NCNO) had a return on assets of -2.6% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

What is Ncino, Inc.'s Piotroski F-Score?

Ncino, Inc. (NCNO) has a Piotroski F-Score of 5 out of 9, indicating neutral 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 Ncino, Inc.'s earnings high quality?

Ncino, Inc. (NCNO) has an earnings quality ratio of -1.35x, considered mixed 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 Ncino, Inc. cover its interest payments?

Ncino, Inc. (NCNO) has an interest coverage ratio of -9.6x, meaning it can struggle to 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 Ncino, Inc.?

Ncino, Inc. (NCNO) scores 29 out of 100 on our Financial Profile, indicating weak 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.