I am trying to understand how the final score is calculated. What do the following terms mean (I have attached a screenshot of the final victory screen for reference) -

1. Veteran units: Is it tied to rank of the unit or experience?

2. Heroes: Is the sum of levels of ALL heroes?

3. Personality: a function of karma?

If someone has an explanatory calculation algorithm, that would be very helpful!

Any help here? Especially for veteran units?

Don't take this answer as Gospel, because I haven't paid enough attention to the end scores to confirm anything. But I believe Veteran Units means every unit that has gained levels. It might even be a flat summation of all Unit levels, but I'm not sure if it's that simple.

Heroes is levels of ALL your heroes

Personality - no clue, but karma sounds right...

Veteran - tied to level(10+, different units need different exp for level, for example, elves gain exp slower than some T4 units) and medals. Not sure about undead, but I have seen that summoning high level undead before finishing shard doesn't improve that score. Maybe it will need to gain level after subduing. On the other hand, hiring 10+ level mercenary from tavern does improves score.

Personality - how consistent you was in your choices during random events. It is not a function of karma, because being Pure (evil) in campaign doesn't mean max score by default.

Thanks Gremlion, Kazper.

Let me try to run a couple of games with a bit more attention to the state of my heroes and units at the end. I can't mark both of your answers as solutions, but will mark both as plus!