United Airlines Holdings Inc Financials

UAL

Source SEC Filings (10-K/10-Q) Updated Feb 12, 2026 Currency USD FYE February

This page shows United Airlines Holdings Inc (UAL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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 39/100

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

Profitability

United Airlines Holdings Inc has an operating margin of 8.8%, meaning the company retains $9 of operating profit per $100 of revenue. This results in a moderate score of 44/100, indicating healthy but not exceptional operating efficiency. This is down from 8.9% the prior year.

Growth

United Airlines Holdings Inc's revenue declined 100% year-over-year, from $57.1B to $53K. This contraction results in a growth score of 0/100.

Leverage

United Airlines Holdings Inc carries a low D/E ratio of 1.12, meaning only $1.12 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 70/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

United Airlines Holdings Inc's current ratio of 0.65 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 6/100, which could limit financial flexibility.

Cash Flow

United Airlines Holdings Inc's free cash flow margin of 4.8% results in a low score of 24/100. Capital expenditures of $6K absorb a large share of operating cash flow.

Returns

United Airlines Holdings Inc earns a strong 21.9% return on equity (ROE), meaning it generates $22 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 88/100. This is down from 24.8% the prior year.

Altman Z-Score Safe

346739.76

United Airlines Holdings Inc scores 346739.76, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($35.3B) relative to total liabilities ($61K). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Neutral

6/9

United Airlines Holdings Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.51x

For every $1 of reported earnings, United Airlines Holdings Inc generates $2.51 in operating cash flow ($8K OCF vs $3K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

3.4x

United Airlines Holdings Inc earns $3.4 in operating income for every $1 of interest expense ($5K vs $1K). 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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Revenue

$53K

YoY-100.0%

5Y CAGR-91.9%

10Y CAGR-74.0%

United Airlines Holdings Inc generated $53K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EBITDA

$8K

YoY-100.0%

10Y CAGR-74.7%

United Airlines Holdings Inc's EBITDA was $8K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 100.0% from the prior year.

Free Cash Flow

$3K

YoY-100.0%

10Y CAGR-75.5%

United Airlines Holdings Inc generated $3K in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 100.0% from the prior year.

Net Income

$3K

YoY-100.0%

10Y CAGR-76.8%

United Airlines Holdings Inc reported $3K in net income in fiscal year 2025. This represents a decrease of 100.0% from the prior year.

EPS (Diluted)

$10.20

YoY+7.9%

10Y CAGR-6.3%

United Airlines Holdings Inc earned $10.20 per diluted share (EPS) in fiscal year 2025. This represents an increase of 7.9% from the prior year.

Cash & Debt

$6K

YoY-100.0%

5Y CAGR-94.4%

10Y CAGR-73.1%

United Airlines Holdings Inc held $6K in cash against $17K in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

323M

YoY-1.4%

5Y CAGR+0.7%

10Y CAGR-1.1%

United Airlines Holdings Inc had 323M shares outstanding in fiscal year 2025. This represents a decrease of 1.4% from the prior year.

Gross Margin

N/A

Operating Margin

8.8%

YoY-0.1pp

5Y CAGR+50.2pp

10Y CAGR-4.8pp

United Airlines Holdings Inc's operating margin was 8.8% in fiscal year 2025, reflecting core business profitability. This is down 0.1 percentage points from the prior year.

Net Margin

6.3%

YoY+0.8pp

5Y CAGR+52.3pp

10Y CAGR-13.1pp

United Airlines Holdings Inc's net profit margin was 6.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.8 percentage points from the prior year.

Return on Equity

21.9%

YoY-2.9pp

10Y CAGR-59.9pp

United Airlines Holdings Inc's ROE was 21.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.9 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$637

YoY-100.0%

5Y CAGR-92.9%

10Y CAGR-76.5%

United Airlines Holdings Inc spent $637 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$6K

YoY-100.0%

5Y CAGR-91.9%

10Y CAGR-72.9%

United Airlines Holdings Inc invested $6K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 100.0% from the prior year.

UAL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$53K-100.0%	$57.1B+6.2%	$53.7B+19.5%	$45.0B+82.5%	$24.6B+60.4%	$15.4B
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	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$5K-100.0%	$5.1B+21.0%	$4.2B+80.2%	$2.3B+328.7%	-$1.0B+83.9%	-$6.4B
Interest Expense	$1K-100.0%	$1.6B-16.7%	$2.0B+10.0%	$1.8B	N/A	N/A
Income Tax	$953-100.0%	$1.0B+32.5%	$769.0M+204.0%	$253.0M+142.7%	-$593.0M+66.2%	-$1.8B
Net Income	$3K-100.0%	$3.1B+20.3%	$2.6B+255.2%	$737.0M+137.5%	-$2.0B+72.2%	-$7.1B
EPS (Diluted)	$10.20+7.9%	$9.45+19.8%	$7.89+253.8%	$2.23+136.6%	$-6.10+75.9%	$-25.30

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$15.4B+1.1%	$15.2B-0.1%	$15.2B+15.3%	$13.2B-10.1%	$14.7B-1.0%	$14.8B-1.0%	$15.0B+19.5%	$12.5B
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$1.4B-0.6%	$1.4B+5.3%	$1.3B+118.3%	$607.0M-59.6%	$1.5B-4.0%	$1.6B-18.9%	$1.9B+1848.5%	$99.0M
Interest Expense	$325.0M-1.8%	$331.0M-8.3%	$361.0M+1.4%	$356.0M-3.5%	$369.0M-2.6%	$379.0M-11.2%	$427.0M-5.9%	$454.0M
Income Tax	$281.0M-8.2%	$306.0M+11.3%	$275.0M+202.2%	$91.0M-71.7%	$322.0M+0.3%	$321.0M-22.8%	$416.0M+1140.0%	-$40.0M
Net Income	$1.0B+10.0%	$949.0M-2.5%	$973.0M+151.4%	$387.0M-60.7%	$985.0M+2.1%	$965.0M-27.1%	$1.3B+1166.9%	-$124.0M
EPS (Diluted)	$3.17+9.3%	$2.90-2.4%	$2.97+156.0%	$1.16-60.9%	$2.97+2.4%	$2.90-26.8%	$3.96+1142.1%	$-0.38

UAL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$76K-100.0%	$74.1B+4.2%	$71.1B+5.6%	$67.4B-1.2%	$68.2B+14.5%	$59.5B
Current Assets	$17K-100.0%	$18.9B+2.1%	$18.5B-7.8%	$20.1B-8.1%	$21.8B+47.5%	$14.8B
Cash & Equivalents	$6K-100.0%	$8.8B+44.8%	$6.1B-15.5%	$7.2B-60.8%	$18.3B+62.2%	$11.3B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$5K-100.0%	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B
Total Liabilities	$61K-100.0%	$61.4B-0.6%	$61.8B+2.2%	$60.5B-4.3%	$63.1B+17.8%	$53.6B
Current Liabilities	$26K-100.0%	$23.3B+5.0%	$22.2B+11.1%	$20.0B+9.2%	$18.3B+43.8%	$12.7B
Long-Term Debt	$17K-100.0%	$21.7B-13.5%	$25.1B-11.4%	$28.3B-6.8%	$30.4B+22.2%	$24.8B
Total Equity	$15K-100.0%	$12.7B+35.9%	$9.3B+35.2%	$6.9B+37.1%	$5.0B-15.6%	$6.0B
Retained Earnings	$10K-100.0%	$6.9B+79.6%	$3.8B+202.8%	$1.3B+102.4%	$625.0M-76.2%	$2.6B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$76.4B+0.2%	$76.3B-1.1%	$77.2B+1.4%	$76.1B+2.7%	$74.1B+2.0%	$72.6B-0.8%	$73.3B+1.9%	$71.9B
Current Assets	$16.9B-6.8%	$18.1B-10.7%	$20.3B+0.5%	$20.1B+6.7%	$18.9B+1.7%	$18.6B-7.2%	$20.0B+7.0%	$18.7B
Cash & Equivalents	$5.9B-11.7%	$6.7B-28.1%	$9.4B-0.2%	$9.4B+6.9%	$8.8B-0.5%	$8.8B-18.9%	$10.9B+29.3%	$8.4B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B0.0%	$4.5B
Total Liabilities	$61.2B-1.4%	$62.0B-2.8%	$63.8B+0.5%	$63.5B+3.4%	$61.4B+0.3%	$61.2B-2.4%	$62.7B0.0%	$62.7B
Current Liabilities	$26.1B-3.6%	$27.1B-6.5%	$29.0B+12.4%	$25.8B+10.7%	$23.3B-0.2%	$23.4B-9.6%	$25.9B+4.4%	$24.8B
Long-Term Debt	$17.2B-17.5%	$20.8B-0.4%	$20.9B-14.4%	$24.4B+12.5%	$21.7B-2.4%	$22.2B+2.4%	$21.7B-5.9%	$23.1B
Total Equity	$15.3B+6.8%	$14.3B+7.0%	$13.4B+6.0%	$12.6B-0.5%	$12.7B+10.8%	$11.4B+8.7%	$10.5B+14.6%	$9.2B
Retained Earnings	$10.1B+11.5%	$9.0B+11.6%	$8.1B+13.6%	$7.1B+3.7%	$6.9B+16.7%	$5.9B+18.3%	$5.0B+36.1%	$3.7B

UAL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$8K-100.0%	$9.4B+36.7%	$6.9B+13.9%	$6.1B+193.5%	$2.1B+150.0%	-$4.1B
Capital Expenditures	$6K-100.0%	$5.6B-21.7%	$7.2B+48.8%	$4.8B+128.7%	$2.1B+22.0%	$1.7B
Free Cash Flow	$3K-100.0%	$3.8B+1573.1%	-$260.0M-120.9%	$1.2B+3217.5%	-$40.0M+99.3%	-$5.9B
Investing Cash Flow	$6K+100.0%	-$2.7B+56.6%	-$6.1B+55.8%	-$13.8B-727.1%	-$1.7B-3444.0%	$50.0M
Financing Cash Flow	$5K+100.0%	-$4.2B-121.0%	-$1.9B+43.5%	-$3.3B-152.4%	$6.4B-50.6%	$13.0B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$637-100.0%	$162.0M	$0	$0	$0-100.0%	$353.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$1.3B+5.6%	$1.2B-45.1%	$2.2B-40.2%	$3.7B+66.8%	$2.2B+48.5%	$1.5B-47.9%	$2.9B+0.9%	$2.8B
Capital Expenditures	$1.9B+29.1%	$1.5B+13.8%	$1.3B+4.4%	$1.2B-26.4%	$1.7B+18.8%	$1.4B+21.1%	$1.2B-14.8%	$1.4B
Free Cash Flow	-$604.0M-145.5%	-$246.0M-126.5%	$930.0M-62.5%	$2.5B+351.2%	$549.0M+523.9%	$88.0M-94.9%	$1.7B+15.5%	$1.5B
Investing Cash Flow	-$1.6B+10.2%	-$1.7B-10.3%	-$1.6B-8.1%	-$1.5B+14.8%	-$1.7B+31.7%	-$2.5B-1973.9%	$134.0M-90.7%	$1.4B
Financing Cash Flow	-$509.0M+76.2%	-$2.1B-153.4%	-$843.0M+42.1%	-$1.5B-146.5%	-$591.0M+44.9%	-$1.1B-85.0%	-$580.0M+70.1%	-$1.9B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$27.0M+28.6%	$21.0M-91.3%	$240.0M-31.2%	$349.0M+336.3%	$80.0M-2.4%	$82.0M	$0	$0

UAL 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	8.8%-0.1pp	8.9%+1.1pp	7.8%+2.6pp	5.2%+9.3pp	-4.2%+37.3pp	-41.4%
Net Margin	6.3%+0.8pp	5.5%+0.6pp	4.9%+3.2pp	1.6%+9.6pp	-8.0%+38.1pp	-46.0%
Return on Equity	21.9%-2.9pp	24.8%-3.2pp	28.1%+17.4pp	10.7%	N/A	N/A
Return on Assets	4.4%+0.1pp	4.3%+0.6pp	3.7%+2.6pp	1.1%+4.0pp	-2.9%+9.0pp	-11.9%
Current Ratio	0.65-0.2	0.81-0.0	0.83-0.2	1.00-0.2	1.19+0.0	1.16
Debt-to-Equity	1.12-0.6	1.71-1.0	2.69-1.4	4.10-1.9	6.04+1.9	4.17
FCF Margin	4.8%-1.9pp	6.7%+7.2pp	-0.5%-3.3pp	2.8%+2.9pp	-0.2%+38.0pp	-38.2%

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	9.0%-0.2pp	9.2%+0.5pp	8.7%+4.1pp	4.6%-5.6pp	10.2%-0.3pp	10.5%-2.3pp	12.9%+12.1pp	0.8%
Net Margin	6.8%+0.5pp	6.2%-0.2pp	6.4%+3.5pp	2.9%-3.8pp	6.7%+0.2pp	6.5%-2.3pp	8.8%+9.8pp	-1.0%
Return on Equity	6.8%+0.2pp	6.6%-0.7pp	7.3%+4.2pp	3.1%-4.7pp	7.8%-0.7pp	8.4%-4.1pp	12.6%	N/A
Return on Assets	1.4%+0.1pp	1.2%-0.0pp	1.3%+0.8pp	0.5%-0.8pp	1.3%0.0pp	1.3%-0.5pp	1.8%+2.0pp	-0.2%
Current Ratio	0.65-0.0	0.67-0.0	0.70-0.1	0.78-0.0	0.81+0.0	0.79+0.0	0.77+0.0	0.76
Debt-to-Equity	1.12-0.3	1.45-0.1	1.56-0.4	1.93+0.2	1.71-0.2	1.94-0.1	2.06-0.4	2.51
FCF Margin	-3.9%-2.3pp	-1.6%-7.7pp	6.1%-12.7pp	18.8%+15.0pp	3.7%+3.1pp	0.6%-10.8pp	11.4%-0.4pp	11.8%

Note: The current ratio is below 1.0 (0.65), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

What is United Airlines Holdings Inc's annual revenue?

United Airlines Holdings Inc (UAL) reported $53K in total revenue for fiscal year 2025. This represents a -100.0% 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 United Airlines Holdings Inc's revenue growing?

United Airlines Holdings Inc (UAL) revenue declined by 100% year-over-year, from $57.1B to $53K in fiscal year 2025.

Is United Airlines Holdings Inc profitable?

Yes, United Airlines Holdings Inc (UAL) reported a net income of $3K in fiscal year 2025, with a net profit margin of 6.3%.

What is United Airlines Holdings Inc's earnings per share (EPS)?

United Airlines Holdings Inc (UAL) reported diluted earnings per share of $10.20 for fiscal year 2025. This represents a 7.9% 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.

What is United Airlines Holdings Inc's EBITDA?

United Airlines Holdings Inc (UAL) had EBITDA of $8K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does United Airlines Holdings Inc have?

As of fiscal year 2025, United Airlines Holdings Inc (UAL) had $6K in cash and equivalents against $17K in long-term debt.

What is United Airlines Holdings Inc's operating margin?

United Airlines Holdings Inc (UAL) had an operating margin of 8.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is United Airlines Holdings Inc's net profit margin?

United Airlines Holdings Inc (UAL) had a net profit margin of 6.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is United Airlines Holdings Inc's return on equity (ROE)?

United Airlines Holdings Inc (UAL) has a return on equity of 21.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is United Airlines Holdings Inc's free cash flow?

United Airlines Holdings Inc (UAL) generated $3K in free cash flow during fiscal year 2025. This represents a -100.0% 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 United Airlines Holdings Inc's operating cash flow?

United Airlines Holdings Inc (UAL) generated $8K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are United Airlines Holdings Inc's total assets?

United Airlines Holdings Inc (UAL) had $76K in total assets as of fiscal year 2025, including both current and long-term assets.

What are United Airlines Holdings Inc's capital expenditures?

United Airlines Holdings Inc (UAL) invested $6K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does United Airlines Holdings Inc buy back shares?

Yes, United Airlines Holdings Inc (UAL) spent $637 on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does United Airlines Holdings Inc have outstanding?

United Airlines Holdings Inc (UAL) had 323M shares outstanding as of fiscal year 2025.

What is United Airlines Holdings Inc's current ratio?

United Airlines Holdings Inc (UAL) had a current ratio of 0.65 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is United Airlines Holdings Inc's debt-to-equity ratio?

United Airlines Holdings Inc (UAL) had a debt-to-equity ratio of 1.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is United Airlines Holdings Inc's return on assets (ROA)?

United Airlines Holdings Inc (UAL) had a return on assets of 4.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is United Airlines Holdings Inc's Altman Z-Score?

United Airlines Holdings Inc (UAL) has an Altman Z-Score of 346739.76, 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 United Airlines Holdings Inc's Piotroski F-Score?

United Airlines Holdings Inc (UAL) has a Piotroski F-Score of 6 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 United Airlines Holdings Inc's earnings high quality?

United Airlines Holdings Inc (UAL) has an earnings quality ratio of 2.51x, 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 United Airlines Holdings Inc cover its interest payments?

United Airlines Holdings Inc (UAL) has an interest coverage ratio of 3.4x, 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 United Airlines Holdings Inc?

United Airlines Holdings Inc (UAL) scores 39 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.