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 gross margin recovered to 43.5% in October from 22.1% in September, essentially back to August's 43.6%. Median net margin improved to 3.4% from 1.4%. For the second time this year a sharp one-month margin drop (net margin in July, gross margin in September) reversed the very next month.
The median business held 129 days of cash on hand, up from 110 in September and the fourth straight monthly increase since June's 72. A year ago, in October 2025, the median was 82 days. Businesses are entering year-end with substantially more cash in reserve.
The median score held at 65 (64.8 in September), compared with 71.5 in October 2025. The gap is about profitability, not liquidity: cash is far deeper than a year ago, while median net margin is a little thinner (3.4% against 4.1%). Worth watching, not worrying.
Data covers small businesses ($1M–$25M annualized revenue) with QuickBooks Online connected to The Pro CFO app that completed a October 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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