Keystone · Advisory
Financial Health Score
A five-dimension financial health assessment used by Virtual CFOs: profitability, liquidity, leverage, efficiency and growth.
In short: A financial health score condenses key ratios into a single indicator. This tool weights profitability (25%), liquidity (20%), leverage (20%), efficiency (20%) and growth (15%) — an illustrative framework, not a credit rating.
Financials
Overall financial health score
82
/ 100 — illustrative, not a credit rating
Category breakdown
- profitability (25%)86/100
EBITDA margin: 18.0% · Net margin: 10.0%
- liquidity (20%)82/100
Current ratio: 1.79×
- leverage (20%)80/100
Debt / equity: 0.50× · Interest cover (EBITDA basis): 4.00×
- efficiency (20%)87/100
Receivable days: 55 days
- growth (15%)71/100
Revenue growth: 17.6%
Strengths
- Profitability scores strongly relative to illustrative thresholds.
- Liquidity scores strongly relative to illustrative thresholds.
- Leverage scores strongly relative to illustrative thresholds.
- Efficiency scores strongly relative to illustrative thresholds.
- Growth scores strongly relative to illustrative thresholds.
Risks to address
- No category falls below the weak-signal threshold on the supplied figures.
This is an illustrative assessment using general thresholds, not industry benchmarks or a credit rating. It is not investment, lending or audit advice.
Worked example
A company at 18% EBITDA margin, 1.8× current ratio, 0.5× debt/equity and 18% revenue growth typically scores in the upper range — a strong profile across all five categories.
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Speak with a Virtual CFO advisor
Estimates are indicative. A Keystone advisor can review your specific position.
Is this a credit score?
No. It is an internal diagnostic using illustrative thresholds — lenders and rating agencies use their own models.
What improves the score fastest?
Depends on the weakest category — the breakdown shows where a score is being dragged down.
This tool provides indicative estimates for education and planning only. It is not investment advice, a fairness opinion, a tax computation, a financing offer or a regulatory determination. Consult a qualified advisor before acting on any result.
Service: Outsourcing Services