The ScoreMyAgency score is a weighted composite of six financial ratios, each chosen because they predict agency survival and growth more reliably than generic accounting metrics. The result is a single 0–100 number that tells you where you stand — and where the risks are hiding.
Each ratio is scored independently on a 0–10 scale, then combined using the weights below. The weights reflect how strongly each metric correlates with agency financial health in our benchmark research.
What percentage of total revenue comes from your single largest client. Over-reliance on one client is the most common reason agencies fail. Below 20% is excellent; above 40% is critical.
How long it takes, on average, to collect payment after invoicing. Slow collections cause cash crunches even when revenue looks healthy. Under 30 days is good; over 60 days signals risk.
How many months your current cash balance would cover at your current expense rate. The 3–6 month zone is healthy — enough buffer for surprises without cash sitting idle.
Revenue minus direct costs (contractors, software, COGS), expressed as a percentage. Healthy agencies typically run 50–70%. Below 40% leaves almost no room for operating expenses or profit.
Compares the growth rate of expenses to the growth rate of revenue over the last 3 months. When costs grow faster than revenue, margins compress — an early warning sign worth catching early.
Monthly revenue divided by headcount. A proxy for team efficiency and pricing power. Used primarily for peer comparison — benchmarks are segmented by agency size to ensure a fair comparison.
Each ratio is evaluated against fixed thresholds derived from industry research and produces one of five scores:
The composite score is the weighted average of all six ratio scores, scaled to 0–100. A score of 70+ is Healthy, 40–69 is Struggling, and below 40 is Critical.
Peer percentile rankings compare your ratios against a pool of agency data drawn from:
Industry research — publicly available financial benchmarking studies for digital and creative agencies, including data from industry associations and SaaS-specific agency benchmarks.
Public data — disclosed financials from publicly listed agency groups and consultancies.
Anonymized submissions — fully anonymized ratio scores from agencies who have used the tool. No raw financial data, agency names, or identifying information is ever included in the benchmark pool.
Percentiles are segmented by agency size (small: ≤10 employees, medium: 11–30, large: 31+) to ensure you're comparing against relevant peers.
Percentile accuracy improves as more agencies use the tool. The more submissions in the pool, the more meaningful the comparison becomes.
This tool is designed for digital agencies (marketing, SEO, web, design, content, and similar service businesses). The ratios and benchmarks may not be meaningful for product companies, SaaS businesses, or non-service firms. The score is a snapshot based on the data you enter — it does not account for seasonal patterns, growth stage, or strategic context. Use it as a starting point for conversations, not a definitive verdict.