What is AIFU Inc.'s earnings per share (EPS)?

AIFU Inc. (AIFU) reported diluted earnings per share of -$32.16 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

AIFU Inc. Financials

AIFU

FY2025 annual

Revenue $79.6M -67.9% YoY

Net Income -$325.4M -622.0% YoY

EPS (Diluted) -$32.16 YoY not available

Free Cash Flow -$2.8M -115.2% YoY

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Apr 28, 2026 Currency USD FYE December

AIFU Inc. (AIFU) reported $79.6M in revenue for fiscal year 2025, down 67.9% from the prior fiscal year. 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).

Rhea AI AIFU FY2025 2026-08-15

FY2025 became a balance-sheet reset as revenue shrank and equity absorbed losses faster than liabilities fell.

FY2025’s -$325.4M net loss dwarfed its -$5.6M operating loss, so the damage came mainly from items outside ordinary operations rather than from the core cost base alone. That gap matters because operating cash flow was only -$2.3M even as assets fell to $218.5M, indicating a year driven more by a balance-sheet value reset than by a sustained cash drain from day-to-day activity.

Cash fell from $26.3M to $4.4M, so the easiest liquidity buffer largely disappeared before liabilities were fully worked down. With equity at only $68.4M and debt-to-equity at 2.2x, the same obligation load now rests on a much thinner capital cushion, which reduces balance-sheet flexibility if revenue stays low.

Capex was just $477K in FY2025 after $1.2M in FY2024, which means this business does not need heavy reinvestment to keep operating. Because spending needs were light, free cash flow of -$2.8M says core cash generation weakened; it was not simply swallowed by expansion spending, acquisitions, or a capex cycle.

Financial Health Signals

Financial health score not available

AIFU Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

1/6

AIFU Inc. passes 1 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality No Cash Backing

N/A

AIFU Inc. reported a net loss of $325.4M while operations used $2.3M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$79.6M

YoY-67.9%

5Y CAGR-30.8%

10Y CAGR-13.7%

AIFU Inc. generated $79.6M in revenue in fiscal year 2025. This represents a decrease of 67.9% from the prior year.

EBITDA

-$4.8M

YoY+89.6%

AIFU Inc.'s EBITDA was -$4.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 89.6% from the prior year.

Net Income

-$325.4M

YoY-622.0%

AIFU Inc. reported -$325.4M in net income in fiscal year 2025. This represents a decrease of 622.0% from the prior year.

EPS (Diluted)

-$32.16

AIFU Inc. earned -$32.16 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

-$2.8M

YoY-115.2%

AIFU Inc. recorded an outflow of $2.8M in free cash flow in fiscal year 2025, representing a cash shortfall after capex. This represents a decrease of 115.2% from the prior year.

Cash & Debt

$4.4M

YoY-83.1%

5Y CAGR-34.8%

10Y CAGR-34.9%

AIFU Inc. held $4.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

Not reported for fiscal year 2025.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Operating Margin

-7.0%

YoY+17.1pp

5Y CAGR-16.3pp

10Y CAGR-8.5pp

AIFU Inc.'s operating margin was -7.0% in fiscal year 2025, reflecting core business profitability. This is up 17.1 percentage points from the prior year.

Return on Equity

-475.5%

YoY-493.4pp

5Y CAGR-490.6pp

10Y CAGR-480.7pp

AIFU Inc.'s ROE was -475.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 493.4 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Capital Expenditures

$477K

YoY-58.8%

5Y CAGR-27.2%

10Y CAGR-7.1%

AIFU Inc. invested $477K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 58.8% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

AIFU Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AIFU quarterly income statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Revenue	$79.6M-67.9%	$247.8M-45.0%	$450.5M+11.7%	$403.3M-21.4%	$513.3M+2.5%	$500.9M-5.9%	$532.3M	$628.4M-7.2%	$677.0M+55.1%	$436.6M+26.0%	$346.5M+19.4%	$290.2M+14.0%	$254.6M+5.6%	$241.0M+7.1%	$225.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$332.0M+27.5%	$260.3M	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$104.6M+21.4%	$86.2M	N/A	N/A	N/A	N/A
SG&A Expenses	$36.1M-49.2%	$71.1M-16.8%	$85.5M+8.3%	$79.0M-8.1%	$85.9M+20.9%	$71.1M+204.1%	-$68.2M	$82.1M+217.0%	-$70.2M-199.7%	$70.4M+10.1%	$63.9M+10.8%	$57.7M+0.9%	$57.1M+7.9%	$53.0M+28.8%	$41.1M
Operating Income	-$5.6M+90.6%	-$59.7M-316.5%	$27.6M+12.8%	$24.5M-48.4%	$47.4M+2.3%	$46.3M-31.3%	$67.4M	$42.0M+1975.1%	$2.0M-83.3%	$12.1M+143.4%	$5.0M+67.6%	$3.0M-71.9%	$10.6M+108.9%	-$119.0M-281.9%	$65.4M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1K
Income Tax	$575K-95.7%	$13.5M+61.6%	$8.4M+40.7%	$5.9M-58.2%	$14.2M+11.2%	$12.8M-38.1%	$20.7M	$25.8M+531.5%	$4.1M+2.3%	$4.0M+2.0%	$3.9M-12.7%	$4.5M-44.5%	$8.1M-39.4%	$13.4M-8.9%	$14.7M
Net Income	-$325.4M-622.0%	$62.3M+57.8%	$39.5M+171.7%	$14.5M-64.4%	$40.8M-3.6%	$42.3M+53.0%	$27.7M	$69.0M+186.0%	$24.1M-27.4%	$33.3M+24.3%	$26.8M+62.1%	$16.5M-17.5%	$20.0M+120.4%	-$98.0M-253.1%	$64.0M
EPS (Diluted)	-$32.16	$0.06+50.0%	$0.04+300.0%	$0.01-75.0%	$0.040.0%	$0.04+100.0%	$0.02	$0.06+200.0%	$0.02	$0.54	$0.03+50.0%	$0.020.0%	$0.02	-$0.05	$0.06

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, Interest Expense, Income Tax, Net Income, EPS (Diluted).

AIFU Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AIFU quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Total Assets	$218.5M-61.6%	$568.7M-0.3%	$570.6M+27.4%	$447.9M-12.0%	$508.8M+7.7%	$472.2M-4.5%	$494.2M	$728.2M+19.3%	$610.5M-1.5%	$619.7M+2.6%	$604.1M+2.7%	$588.2M+7.8%	$545.9M+4.7%	$521.3M-10.7%	$584.0M
Current Assets	$86.3M-69.1%	$279.4M-16.5%	$334.6M+0.6%	$332.5M-6.5%	$355.6M+0.4%	$354.3M-8.0%	$385.2M	$635.2M+19.4%	$532.1M-1.9%	$542.3M+1.9%	$532.1M+1.4%	$524.9M+9.2%	$480.6M+4.4%	$460.5M+32.0%	$348.9M
Cash & Equivalents	$4.4M-83.1%	$26.3M-64.2%	$73.5M-10.7%	$82.3M-7.1%	$88.6M+135.6%	$37.6M+54.3%	$24.4M	$55.9M+61.6%	$34.6M-78.5%	$160.6M-50.5%	$324.7M-12.0%	$368.9M-11.6%	$417.2M+17.0%	$356.7M+16.6%	$305.8M
Accounts Receivable	$9.4M-60.0%	$23.4M	N/A	N/A	N/A	$89.4M-8.8%	$98.0M	$79.2M+9.3%	$72.4M+94.5%	$37.2M+24.1%	$30.0M-9.0%	$33.0M+4.6%	$31.5M+19.2%	$26.4M-28.3%	$36.8M
Goodwill	N/A	N/A	$52.7M	N/A	$17.2M+2.4%	$16.8M+6.7%	$15.8M	$16.9M-4.0%	$17.6M-14.7%	$20.6M-4.2%	$21.5M+65.8%	$13.0M+2.9%	$12.6M+1.0%	$12.5M-92.9%	$174.9M
Total Liabilities	$151.1M-27.4%	$208.3M-13.7%	$241.3M+22.5%	$196.9M-2.1%	$201.1M+16.5%	$172.6M-13.9%	$200.6M	$115.2M-4.2%	$120.2M+34.0%	$89.7M+34.3%	$66.8M-2.4%	$68.4M+8.4%	$63.1M-1.3%	$63.9M+24.9%	$51.1M
Current Liabilities	$73.2M-34.6%	$111.9M-22.4%	$144.2M+4.5%	$138.0M-3.2%	$142.6M+0.1%	$142.4M+4.6%	$136.2M	$101.7M-5.5%	$107.6M+42.7%	$75.4M+39.5%	$54.1M-3.6%	$56.1M+9.7%	$51.1M-2.0%	$52.2M+19.4%	$43.7M
Total Equity	$68.4M-80.4%	$348.9M+19.6%	$291.7M+23.9%	$235.4M-18.4%	$288.4M+2.6%	$281.0M+1.3%	$277.4M	$595.9M+25.9%	$473.4M-7.6%	$512.1M-1.0%	$517.5M+3.5%	$500.2M+7.7%	$464.6M+6.2%	$437.6M-5.7%	$463.8M
Retained Earnings	-$33.7M-113.7%	$245.1M+31.9%	$185.9M+17.8%	$157.7M-23.4%	$205.8M+2.8%	$200.2M-5.8%	$212.5M	$225.7M+53.8%	$146.8M	N/A	N/A	N/A	N/A	$64.9M-42.0%	$111.8M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17
Total Assets	$218.5M-61.6%	$568.7M-0.3%	$570.6M+27.4%	$447.9M-12.0%	$508.8M+7.7%	$472.2M-4.5%	$494.2M-32.1%	$728.2M
Current Assets	$86.3M-69.1%	$279.4M-16.5%	$334.6M+0.6%	$332.5M-6.5%	$355.6M+0.4%	$354.3M-8.0%	$385.2M-39.4%	$635.2M
Cash & Equivalents	$4.4M-83.1%	$26.3M-64.2%	$73.5M-10.7%	$82.3M-7.1%	$88.6M+135.6%	$37.6M+54.3%	$24.4M-56.4%	$55.9M
Accounts Receivable	$9.4M-60.0%	$23.4M	N/A	N/A	N/A	$89.4M-8.8%	$98.0M+23.7%	$79.2M
Goodwill	N/A	N/A	$52.7M	N/A	$17.2M+2.4%	$16.8M+6.7%	$15.8M-6.5%	$16.9M
Total Liabilities	$151.1M-27.4%	$208.3M-13.7%	$241.3M+22.5%	$196.9M-2.1%	$201.1M+16.5%	$172.6M-13.9%	$200.6M+74.2%	$115.2M
Current Liabilities	$73.2M-34.6%	$111.9M-22.4%	$144.2M+4.5%	$138.0M-3.2%	$142.6M+0.1%	$142.4M+4.6%	$136.2M+33.9%	$101.7M
Total Equity	$68.4M-80.4%	$348.9M+19.6%	$291.7M+23.9%	$235.4M-18.4%	$288.4M+2.6%	$281.0M+1.3%	$277.4M-53.4%	$595.9M
Retained Earnings	-$33.7M-113.7%	$245.1M+31.9%	$185.9M+17.8%	$157.7M-23.4%	$205.8M+2.8%	$200.2M-5.8%	$212.5M-5.9%	$225.7M

Not reported in any period shown, so not listed: Inventory, Long-Term Debt.

AIFU Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AIFU quarterly cash flow statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Operating Cash Flow	-$2.3M-111.9%	$19.6M+36.5%	$14.3M-28.2%	$20.0M+0.9%	$19.8M-67.9%	$61.7M+140.7%	$25.6M	$23.4M+84.8%	$12.7M-70.9%	$43.4M+3.0%	$42.2M+37.3%	$30.7M+21.3%	$25.3M-67.6%	$78.1M+40.5%	$55.6M
Capital Expenditures	$477K-58.8%	$1.2M-36.7%	$1.8M-83.8%	$11.3M+133.3%	$4.8M+106.7%	$2.3M-17.4%	$2.8M	$3.2M+87.6%	$1.7M+66.4%	$1.0M+2.8%	$1.0M-83.2%	$6.0M+220.3%	$1.9M-43.7%	$3.3M-10.4%	$3.7M
Free Cash Flow	-$2.8M-115.2%	$18.4M+47.2%	$12.5M+43.7%	$8.7M-41.9%	$15.0M-74.8%	$59.3M+160.3%	$22.8M	$20.2M+84.4%	$10.9M-74.2%	$42.4M+3.0%	$41.2M+66.4%	$24.7M+5.4%	$23.5M-68.6%	$74.8M+44.2%	$51.9M
Investing Cash Flow	-$15.9M+73.4%	-$59.8M-81.2%	-$33.0M-78.4%	-$18.5M-126.2%	$70.7M+41.8%	$49.9M+2804.0%	$1.7M	-$3.6M+96.6%	-$107.8M+38.3%	-$174.7M-143.3%	-$71.8M-3.6%	-$69.3M-283.7%	$37.7M+615.7%	-$7.3M+87.9%	-$60.6M
Financing Cash Flow	-$10.2M-16.1%	-$8.8M-172.7%	$12.1M+510.9%	-$3.0M+92.8%	-$40.8M+58.3%	-$97.9M+14.0%	-$113.8M	$7.3M+123.4%	-$31.2M-40.6%	-$22.2M-1660.7%	-$1.3M-327.8%	$553K+104.0%	-$13.9M+32.5%	-$20.6M-126.6%	$77.5M
Dividends Paid	N/A	N/A	N/A	$7.5M-80.2%	$38.1M-36.1%	$59.5M-4.7%	$62.5M	$21.1M	N/A	N/A	N/A	N/A	N/A	N/A	$12.3M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	-$1.2M	N/A	N/A	$969K	N/A	N/A	$1.5M-31.9%	$2.2M-61.4%	$5.7M

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17

Not reported in any period shown, so not listed: Operating Cash Flow, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.

AIFU Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

AIFU quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	24.0%-0.9pp	24.9%	N/A	N/A	N/A	N/A
Operating Margin	-7.0%+17.1pp	-24.1%-30.2pp	6.1%+0.1pp	6.1%-3.2pp	9.2%0.0pp	9.3%-3.4pp	12.7%	6.7%+6.4pp	0.3%-2.5pp	2.8%+1.3pp	1.4%+0.4pp	1.0%-3.1pp	4.2%+53.5pp	-49.4%-78.4pp	29.1%
Net Margin	-408.8%	25.1%+16.4pp	8.8%+5.2pp	3.6%-4.4pp	8.0%-0.5pp	8.5%+3.3pp	5.2%	11.0%+7.4pp	3.6%-4.0pp	7.6%-0.1pp	7.7%+2.0pp	5.7%-2.2pp	7.9%+48.5pp	-40.6%-69.1pp	28.4%
Return on Equity	-475.5%-493.4pp	17.9%+4.3pp	13.5%+7.4pp	6.2%-8.0pp	14.1%-0.9pp	15.1%+5.1pp	10.0%	11.6%+6.5pp	5.1%-1.4pp	6.5%+1.3pp	5.2%+1.9pp	3.3%-1.0pp	4.3%+26.7pp	-22.4%-36.2pp	13.8%
Return on Assets	-148.9%-159.9pp	11.0%+4.0pp	6.9%+3.7pp	3.3%-4.8pp	8.0%-0.9pp	9.0%+3.4pp	5.6%	9.5%+5.5pp	4.0%-1.4pp	5.4%+0.9pp	4.4%+1.6pp	2.8%-0.9pp	3.7%+22.5pp	-18.8%-29.8pp	11.0%
Current Ratio	1.18-1.3x	2.50+0.2x	2.32-0.1x	2.41-0.1x	2.490.0x	2.49-0.3x	2.83	6.24+1.3x	4.95-2.2x	7.19-2.7x	9.84+0.5x	9.360.0x	9.40+0.6x	8.83+0.8x	7.98
Debt-to-Equity	2.21+1.6x	0.60-0.2x	0.830.0x	0.84+0.1x	0.70+0.1x	0.61-0.1x	0.72	0.19-0.1x	0.25+0.1x	0.180.0x	0.130.0x	0.140.0x	0.140.0x	0.150.0x	0.11
FCF Margin	-3.5%-11.0pp	7.4%+4.7pp	2.8%+0.6pp	2.2%-0.8pp	2.9%-8.9pp	11.8%+7.6pp	4.3%	3.2%+1.6pp	1.6%-8.1pp	9.7%-2.2pp	11.9%+3.4pp	8.5%-0.7pp	9.2%-21.8pp	31.0%+8.0pp	23.1%

Metric	Q4'25	Q4'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19	Q4'17
Current Ratio	1.18-1.3x	2.50+0.2x	2.32-0.1x	2.41-0.1x	2.490.0x	2.49-0.3x	2.83-3.4x	6.24
Debt-to-Equity	2.21+1.6x	0.60-0.2x	0.830.0x	0.84+0.1x	0.70+0.1x	0.61-0.1x	0.72+0.5x	0.19

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, FCF Margin.

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Frequently Asked Questions

What is AIFU Inc.'s annual revenue?

AIFU Inc. (AIFU) reported $79.6M in total revenue for fiscal year 2025. This represents a -67.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is AIFU Inc.'s revenue growing?

AIFU Inc. (AIFU) revenue declined by 67.9% year-over-year, from $247.8M to $79.6M in fiscal year 2025.

Is AIFU Inc. profitable?

No, AIFU Inc. (AIFU) reported a net income of -$325.4M in fiscal year 2025.

What is AIFU Inc.'s EBITDA?

AIFU Inc. (AIFU) had EBITDA of -$4.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is AIFU Inc.'s operating margin?

AIFU Inc. (AIFU) had an operating margin of -7.0% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is AIFU Inc.'s return on equity (ROE)?

AIFU Inc. (AIFU) has a return on equity of -475.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is AIFU Inc.'s free cash flow?

AIFU Inc. (AIFU) recorded an outflow of $2.8M in free cash flow during fiscal year 2025. This represents a -115.2% change compared to the previous fiscal year. 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 AIFU Inc.'s operating cash flow?

AIFU Inc. (AIFU) recorded an outflow of $2.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are AIFU Inc.'s total assets?

AIFU Inc. (AIFU) had $218.5M in total assets as of fiscal year 2025, including both current and long-term assets.

What are AIFU Inc.'s capital expenditures?

AIFU Inc. (AIFU) invested $477K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is AIFU Inc.'s current ratio?

AIFU Inc. (AIFU) had a current ratio of 1.18 as of fiscal year 2025, which is considered adequate.

What is AIFU Inc.'s debt-to-equity ratio?

AIFU Inc. (AIFU) had a debt-to-equity ratio of 2.21 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is AIFU Inc.'s return on assets (ROA)?

AIFU Inc. (AIFU) had a return on assets of -148.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is AIFU Inc.'s Piotroski F-Score?

AIFU Inc. (AIFU) has a Piotroski F-Score of 1 out of 6 computable signals; 3 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 AIFU Inc.'s earnings high quality?

AIFU Inc. (AIFU) reported a net loss of $325.4M while operations used $2.3M of cash. With neither figure positive, the ratio between the two carries no quality signal. 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.