Aggregated, anonymized financial benchmarks from small businesses ($1M–$25M revenue) that connect QuickBooks to The Pro CFO app. No individual business is identifiable.
Medians used throughout — no single company can move a number.
The Business Health Score is a 0–100 composite of cash flow, profitability, and efficiency, computed per company and aggregated as the median across all reporting businesses each month.
Median net margin fell to −18.5% from 2.5% in June, by far the weakest reading of the trailing year (the previous low was −3.4% in March). Gross margin barely moved, at 26.2% against 27.5% in June, so the damage came below the gross-profit line: operating costs ran well ahead of a slow summer revenue month.
The median score climbed to 65 from 61 in June, as median days cash on hand rose to 81 from 72. A thin month on the income statement doesn't threaten a business that has a cash cushion to absorb it, and in July the cushion grew rather than shrank.
Median AR days doubled to 22.7 from 11.1 in June, the highest reading of the trailing twelve months. That's still well inside the 30–45 day cycles common among small businesses, but it's the kind of drift that's easiest to fix early. Worth watching, not worrying.
Data covers small businesses ($1M–$25M annualized revenue) with QuickBooks Online connected to The Pro CFO app that completed a July accounting close and synced by the 10th of the following month. All metrics are computed per company, then aggregated as medians — individual businesses are never identifiable. The Business Health Score is a 0–100 composite: 40% cash flow, 35% profitability, 25% efficiency, with frozen thresholds across editions. Figures may be revised as additional closes sync.
Citing this report: free to cite with attribution and a link to this page.
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