Abeona Therapeutics Inc. (ABEO) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ABEO SEC filings page.
Abeona Therapeutics Inc. (ABEO) reported $5.8M in revenue for fiscal year 2025. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Abeona remains a development-stage business: reported earnings turned positive, but operations still consume cash while revenue remains small.
The headline net income of$71.2M does not describe operating performance: the company posted an operating loss of$89.4M alongside operating cash flow of-$76.3M and an operating-cash-flow-to-net-income measure of-107.2% . That disconnect means FY2025 earnings were driven by items outside the operating result, while the underlying business still required cash.
R&D was
The balance sheet became less liability-dependent: assets increased
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Abeona Therapeutics Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Abeona Therapeutics Inc.'s reported operating margin for fiscal year 2025 is below the lowest share of revenue this page publishes, so the figure is not shown here. This dimension scores 18/100.
Abeona Therapeutics Inc. carries a low D/E ratio of 0.05, meaning only $0.05 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 85/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 6.93, Abeona Therapeutics Inc. holds $6.93 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 95/100.
Abeona Therapeutics Inc.'s reported free cash flow margin for fiscal year 2025 is below the lowest share of revenue this page publishes, so the figure is not shown here. This dimension scores 1/100.
Abeona Therapeutics Inc. generates a 44.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 22/100. This is up from -144.8% the prior year.
Abeona Therapeutics Inc. scores -2.59, below the 1.81 distress threshold. The score is pulled down most by an accumulated deficit of $742.1M against total assets of $219.6M. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Abeona Therapeutics Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass.
For every $1 of reported earnings, Abeona Therapeutics Inc. used $1.07 of operating cash (-$76.3M OCF vs $71.2M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.
Abeona Therapeutics Inc. reported an operating loss of $89.4M against $3.7M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Abeona Therapeutics Inc. generated $11.4M in revenue in Q2 2026. This represents an increase of 2745.0% from the same quarter a year earlier. Against the prior quarter it is up 30.5%.
Abeona Therapeutics Inc.'s EBITDA was -$13.0M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Abeona Therapeutics Inc. reported a net loss of $20.2M in Q2 2026. This represents a decrease of 118.6% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Abeona Therapeutics Inc. earned -$0.35 per diluted share (EPS) in Q2 2026. This represents a decrease of 120.5% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Cash & Balance Sheet
Abeona Therapeutics Inc. recorded an outflow of $18.0M in free cash flow in Q2 2026, representing a cash shortfall after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Abeona Therapeutics Inc. held $56.2M in cash against $1.7M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Abeona Therapeutics Inc.'s gross margin was 63.3% in Q2 2026, indicating the percentage of revenue retained after direct costs. Against the prior quarter it is down 5.8 percentage points.
Abeona Therapeutics Inc.'s quarterly ROE was -15.8% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 82.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.0 percentage points.
Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Abeona Therapeutics Inc. invested $5.0M in research and development in Q2 2026. This represents a decrease of 15.5% from the same quarter a year earlier. Against the prior quarter it is down 47.5%.
Abeona Therapeutics Inc. invested $479K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 83.5% from the same quarter a year earlier. Against the prior quarter it is down 48.8%.
Not reported for Q2 2026.
ABEO Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $11.4M+2745.0% | $8.7M | N/A | N/A | $400K | N/A | N/A | N/A |
| Cost of Revenue | $4.2M | $2.7M | N/A | $488K | N/A | N/A | N/A | N/A |
| Gross Profit | $7.2M | $6.0M | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | $5.0M-15.5% | $9.6M-3.9% | N/A | $4.2M-52.8% | $5.9M-35.5% | $9.9M+37.9% | N/A | $8.9M+25.1% |
| SG&A Expenses | $15.8M-7.7% | $19.5M+99.3% | N/A | $19.3M+201.6% | $17.1M+98.3% | $9.8M+37.4% | N/A | $6.4M+54.1% |
| Operating Income | -$13.7Mn/m | -$23.0Mn/m | N/A | -$24.0Mn/m | -$22.8Mn/m | -$19.7Mn/m | N/A | -$15.3Mn/m |
| EBITDA | -$13.0Mn/m | -$22.3Mn/m | N/A | -$23.4Mn/m | -$22.2Mn/m | -$19.2Mn/m | N/A | -$14.8Mn/m |
| Interest Expense | $696K-27.3% | $830K-16.8% | N/A | $901K-18.2% | $957K-10.7% | $998K+4.8% | N/A | $1.1M+949.5% |
| Income Tax | N/A | $2K | N/A | -$15.2M | $15.5M | N/A | N/A | N/A |
| Net Income | -$20.2M-118.6% | -$17.1Mn/m | N/A | -$5.2Mn/m | $108.8M+1369.5% | -$12.0Mn/m | N/A | -$30.3Mn/m |
| EPS (Basic) | -$0.35-116.9% | -$0.30n/m | -$0.42n/m | -$0.10n/m | $2.07+989.5% | -$0.24 | -$0.14n/m | -$0.63 |
| EPS (Diluted) | -$0.35-120.5% | -$0.30n/m | -$0.34n/m | -$0.10n/m | $1.71n/m | -$0.24 | -$0.14n/m | -$0.63 |
| Diluted Shares (Avg) | 57M-14.4% | 57M+13.7% | N/A | 54M+12.8% | 67M+30.1% | 50M | N/A | 48M |
ABEO Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $179.5M-27.1% | $198.5M+99.8% | $219.6M+101.6% | $231.1M+91.6% | $246.2M+83.8% | $99.4M+32.8% | $108.9M+70.2% | $120.6M+82.5% |
| Current Assets | $164.6M-29.1% | $183.0M+107.7% | $204.9M+103.2% | $216.1M+91.8% | $232.3M+84.5% | $88.1M+32.1% | $100.9M+80.9% | $112.7M+96.7% |
| Cash & Equivalents | $56.2M-65.6% | $61.4M+285.1% | $78.4M+235.8% | $82.9M+427.1% | $163.5M+375.0% | $15.9M-9.2% | $23.4M+61.4% | $15.7M+233.7% |
| Short-Term Investments | $90.6M+46.2% | $106.9M+56.7% | $113.0M+51.9% | $124.2M+32.2% | $62.0M-29.8% | $68.2M+52.3% | $74.4M+97.0% | $94.0M+91.6% |
| Inventory | $5.9M+120.4% | $6.1M | $5.5M | $4.8M | $2.7M | N/A | N/A | N/A |
| Accounts Receivable | $9.4M | $6.2M | $6.1M | N/A | N/A | N/A | N/A | N/A |
| Long-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Total Liabilities | $51.4M-37.8% | $53.6M-7.6% | $60.4M-7.0% | $59.9M-20.0% | $82.7M+36.0% | $58.0M-30.8% | $64.9M+32.0% | $74.8M+69.9% |
| Current Liabilities | $24.8M-28.1% | $31.0M+72.6% | $29.6M+78.3% | $22.2M+20.4% | $34.5M+104.9% | $18.0M+51.3% | $16.6M+23.6% | $18.4M+119.0% |
| Non-Current Liabilities | $26.6M-44.7% | $22.5M-43.7% | $30.8M-36.3% | $37.7M-33.2% | $48.1M+9.6% | $40.0M-44.3% | $48.3M+35.1% | $56.4M+58.3% |
| Long-Term Debt | $1.7M-88.2% | $4.8M-57.3% | $7.8M-40.1% | $10.9M-23.5% | $14.0M-13.2% | $11.1M-38.4% | $13.0M | $14.2M |
| Total Equity | $128.1M-21.7% | $144.9M+250.1% | $159.2M+261.6% | $171.2M+274.1% | $163.6M+123.3% | $41.4Mn/m | $44.0M+197.0% | $45.8M+107.7% |
| Retained Earnings | -$779.3Mn/m | -$759.1Mn/m | -$742.1Mn/m | -$721.6Mn/m | -$716.5Mn/m | -$825.3Mn/m | -$813.3Mn/m | -$804.0Mn/m |
Not reported in any period shown, so not listed: Goodwill.
ABEO Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$17.5Mn/m | -$19.8Mn/m | -$18.0Mn/m | -$21.2Mn/m | -$18.8Mn/m | -$18.4Mn/m | -$16.6Mn/m | -$12.2Mn/m |
| Depreciation & Amortization | $700K+16.7% | $690K+29.2% | $863K+60.1% | $600K+20.0% | $600K+20.0% | $534K+8.8% | $539K+9.8% | $500K0.0% |
| Stock-Based Compensation | $3.4M+19.0% | $3.0M+9.5% | N/A | $2.7M+49.1% | $2.8M+113.9% | $2.7M+74.7% | N/A | $1.8M+15.9% |
| Capital Expenditures | $479K-83.5% | $935K-33.3% | $1.2M+90.3% | $2.5M+523.8% | $2.9M+308.0% | $1.4M+93.2% | $606K+1537.8% | $404K+818.2% |
| Free Cash Flow | -$18.0Mn/m | -$20.7Mn/m | -$19.1Mn/m | -$23.7Mn/m | -$21.7Mn/m | -$19.8Mn/m | -$17.2Mn/m | -$12.6Mn/m |
| Investing Cash Flow | $15.7M-89.9% | $5.0M+17.8% | $9.6M-49.4% | -$64.6Mn/m | $155.9Mn/m | $4.2Mn/m | $18.9M+63.7% | -$6.2Mn/m |
| Financing Cash Flow | -$3.3M-131.8% | -$2.2M-132.8% | $3.6M-32.0% | $5.2Mn/m | $10.5M-85.8% | $6.8M-73.4% | $5.3M-28.8% | -$299K-101.3% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
ABEO Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.3% | 69.1% | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -120.0% | -264.1% | N/A | N/A | -5698.0% | N/A | N/A | N/A |
| Net Margin | -177.4% | -195.8% | N/A | N/A | 27208.3% | N/A | N/A | N/A |
| Return on Equity | -15.8%-82.3pp | -11.8%+17.3pp | N/A | -3.0%+63.1pp | 66.5%+56.4pp | -29.1% | N/A | -66.1%-12.4pp |
| Return on Assets | -11.3%-55.5pp | -8.6%+3.5pp | N/A | -2.2%+22.9pp | 44.2%+38.7pp | -12.1%+30.1pp | N/A | -25.1%-7.2pp |
| Current Ratio | 6.63-0.1x | 5.89+1.0x | 6.93+0.8x | 9.74+3.6x | 6.73-0.7x | 4.90-0.7x | 6.08+1.9x | 6.12-0.7x |
| Debt-to-Equity | 0.01-0.1x | 0.03-0.2x | 0.05-0.2x | 0.06-0.2x | 0.09-0.1x | 0.27 | 0.30 | 0.31 |
| Liabilities-to-Equity | 0.40-0.1x | 0.37-1.0x | 0.38-1.1x | 0.35-1.3x | 0.51-0.3x | 1.40 | 1.47-1.8x | 1.63-0.4x |
| Asset Turnover | 0.06+0.1x | 0.04 | N/A | N/A | 0.00 | N/A | N/A | N/A |
| FCF Margin | -157.9% | -237.8% | N/A | N/A | -5421.3% | N/A | N/A | N/A |
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Abeona Therapeutics Inc. ABEO | FY2025 | $5.8M | $71.2M | N/A | $251.6M | 52/100 |
| Autolus Therapeutics plc AUTL | FY2025 | $75.4M | -$287.5M | N/A | $409.9M | 57/100 |
| Rocket Pharmaceuticals, Inc. RCKT | FY2025 | $0 | -$223.1M | N/A | $251.4M | — |
| Tectonic Therapeutic, Inc. TECX | FY2025 | N/A | -$74.2M | N/A | $392.4M | — |
| Immuneering Corporation IMRX | FY2025 | N/A | -$56.0M | N/A | $241.3M | — |
| Design Therapeutics, Inc. DSGN | FY2025 | $0 | -$69.8M | N/A | $640.8M | — |
Where Abeona Therapeutics Inc. Ranks
Frequently Asked Questions
What is Abeona Therapeutics Inc.'s annual revenue?
Abeona Therapeutics Inc. (ABEO) reported $5.8M in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Is Abeona Therapeutics Inc. profitable?
Yes, Abeona Therapeutics Inc. (ABEO) reported a net income of $71.2M in fiscal year 2025.
What is Abeona Therapeutics Inc.'s EBITDA?
Abeona Therapeutics Inc. (ABEO) had EBITDA of -$86.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Abeona Therapeutics Inc. have?
As of fiscal year 2025, Abeona Therapeutics Inc. (ABEO) had $78.4M in cash and equivalents against $7.8M in long-term debt.
What is Abeona Therapeutics Inc.'s gross margin?
Abeona Therapeutics Inc. (ABEO) had a gross margin of 73.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Abeona Therapeutics Inc.'s return on equity (ROE)?
Abeona Therapeutics Inc. (ABEO) has a return on equity of 44.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Abeona Therapeutics Inc.'s free cash flow?
Abeona Therapeutics Inc. (ABEO) recorded an outflow of $84.3M in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Abeona Therapeutics Inc.'s operating cash flow?
Abeona Therapeutics Inc. (ABEO) recorded an outflow of $76.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Abeona Therapeutics Inc.'s total assets?
Abeona Therapeutics Inc. (ABEO) had $219.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Abeona Therapeutics Inc.'s capital expenditures?
Abeona Therapeutics Inc. (ABEO) invested $8.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Abeona Therapeutics Inc. spend on research and development?
Abeona Therapeutics Inc. (ABEO) invested $26.8M in research and development during fiscal year 2025.
What is Abeona Therapeutics Inc.'s current ratio?
Abeona Therapeutics Inc. (ABEO) had a current ratio of 6.93 as of fiscal year 2025, which is generally considered healthy.
What is Abeona Therapeutics Inc.'s debt-to-equity ratio?
Abeona Therapeutics Inc. (ABEO) had a debt-to-equity ratio of 0.05 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Abeona Therapeutics Inc.'s liabilities-to-equity ratio?
Abeona Therapeutics Inc. (ABEO) had a liabilities-to-equity ratio of 0.38 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Abeona Therapeutics Inc.'s return on assets (ROA)?
Abeona Therapeutics Inc. (ABEO) had a return on assets of 32.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Abeona Therapeutics Inc.'s P/E ratio?
Abeona Therapeutics Inc. (ABEO) trades at 3.5x earnings, its market capitalization divided by $71.2M net income, FY2025. The market capitalization is $251.6M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Abeona Therapeutics Inc.'s price-to-sales ratio?
Abeona Therapeutics Inc. (ABEO) trades at 43.2x sales, its market capitalization divided by $5.8M revenue, FY2025. The market capitalization is $251.6M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
How does Abeona Therapeutics Inc.'s liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, Abeona Therapeutics Inc. (ABEO) held $191.4M in cash, cash equivalents and investments, and reported an operating cash outflow of $76.3M over that year. Dividing the one by the other, the reported balance equals about 30 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
What is Abeona Therapeutics Inc.'s Altman Z-Score?
Abeona Therapeutics Inc. (ABEO) has an Altman Z-Score of -2.59, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Abeona Therapeutics Inc.'s Piotroski F-Score?
Abeona Therapeutics Inc. (ABEO) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Abeona Therapeutics Inc.'s earnings high quality?
For every $1 of reported earnings, Abeona Therapeutics Inc. (ABEO) used $1.07 of operating cash (-$76.3M OCF vs $71.2M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Abeona Therapeutics Inc. cover its interest payments?
Abeona Therapeutics Inc. (ABEO) reported an operating loss of $89.4M against $3.7M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Abeona Therapeutics Inc.?
Abeona Therapeutics Inc. (ABEO) scores 52 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.