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, so outliers don't skew the numbers.
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.
The median score rose to 65 from 61.6 in Q2, essentially level with a year earlier (65.7 in Q3 2025). Cash did most of the work.
Median days cash on hand climbed to 90 from 76 in Q2, slightly ahead of the 85 days measured in Q3 2025. Businesses went into the final quarter of the year with more cash in reserve than they had at midyear.
Median gross margin was 26.2%, the lowest of any quarter tracked, down from 33.3% in Q2 and 37.9% a year earlier. Median net margin was 1.4%, compared with 2.4% a year ago, and median AR days rose to 16, the slowest quarter tracked but still about half the typical 30–45 day cycle. Cash is healthy; profitability is where the pressure is.
Data covers small businesses ($1M–$25M annualized revenue) with QuickBooks Online connected to The Pro CFO app and completed monthly accounting closes. All metrics are computed per company each month and aggregated as medians; each quarterly figure is the median of the quarter's three monthly medians, so one unusual month can't drive the result — 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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