Angi Inc (ANGI) 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 Sep 3, 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 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ANGI SEC filings page.
Angi Inc (ANGI) reported $992.6M in revenue over the twelve months to Jun 30, 2026, down 8.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 11 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).
Shrinking revenue is being offset by cost compression, turning a formerly cash-hungry model into a profitable, cash-generative business.
Revenue contracted across FY2023-FY2025 while operating margin moved from-2.0% to6.4% , revealing a business becoming more profitable through internal cost reduction rather than demand-led expansion. SG&A reduction was substantial while research and development remained broadly stable, indicating that overhead efficiency—not abandoning development spending—did most of the work.
Cash conversion weakened in FY2025: operating cash flow fell from
Debt stayed near
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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 Angi 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.
Angi Inc has an operating margin of 6.3%, meaning the company retains $6 of operating profit per $100 of revenue. This results in a moderate score of 33/100, indicating healthy but not exceptional operating efficiency. This is up from 1.8% the prior year.
Angi Inc's revenue declined 13.0% year-over-year, from $1.2B to $1.0B. This contraction results in a growth score of 7/100.
Angi Inc has a moderate D/E ratio of 0.54. This balance of debt and equity financing earns a leverage score of 35/100.
Angi Inc's current ratio of 1.65 indicates adequate short-term liquidity, earning a score of 47/100. The company can meet its near-term obligations, though with limited headroom.
Angi Inc has a free cash flow margin of 4.4%, earning a moderate score of 48/100. The company generates positive cash flow after capital investments, but with room for improvement.
Angi Inc's ROE of 4.7% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 3.4% the prior year.
Angi Inc scores 0.88, below the 1.81 distress threshold. 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.
Angi Inc passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Angi Inc generates $2.40 in operating cash flow ($105.1M OCF vs $43.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Angi Inc earns $3.20 in operating income for every $1 of interest expense ($65.4M vs $20.5M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
Angi Inc generated $248.0M in revenue in Q2 2026. This represents a decrease of 10.9% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.
Angi Inc's EBITDA was -$212.7M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 861.0% from the same quarter a year earlier. Against the prior quarter it is down 4167.1%.
Angi Inc reported -$230.7M in net income in Q2 2026. This represents a decrease of 2216.8% from the same quarter a year earlier. Against the prior quarter it is down 2469.2%.
Angi Inc earned -$5.70 per diluted share (EPS) in Q2 2026. This represents a decrease of 2578.3% from the same quarter a year earlier. Against the prior quarter it is down 2490.9%.
Cash & Balance Sheet
Angi Inc generated $12.2M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 72.7% from the same quarter a year earlier. Against the prior quarter it is up 136.4%.
Angi Inc held $188.7M in cash against $398.5M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Angi Inc's gross margin was 95.3% in Q2 2026, indicating the percentage of revenue retained after direct costs. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.
Angi Inc's operating margin was -94.3% in Q2 2026, reflecting core business profitability. This is down 100.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 90.3 percentage points.
Angi Inc's net profit margin was -93.0% in Q2 2026, showing the share of revenue converted to profit. This is down 96.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 89.2 percentage points.
Angi Inc's ROE was -33.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 34.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 32.6 percentage points.
Capital Allocation
Angi Inc invested $10.9M in research and development in Q2 2026. This represents a decrease of 53.8% from the same quarter a year earlier. Against the prior quarter it is up 4.4%.
Angi Inc repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier.
Angi Inc invested $15.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 22.5% from the same quarter a year earlier. Against the prior quarter it is down 4.6%.
ANGI 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 | $248.0M-10.9% | $238.2M-3.2% | $240.8M-10.1% | $265.6M-10.5% | $278.2M-11.7% | $245.9M-19.5% | $267.9M-10.8% | $296.7M-15.5% |
| Cost of Revenue | $11.7M-11.2% | $9.7M-25.5% | $8.8M-45.5% | $12.5M-15.5% | $13.1M-7.1% | $13.0M+4.1% | $16.2M-6.1% | $14.8M+8.0% |
| Gross Profit | $236.3M-10.8% | $228.5M-1.9% | $231.9M-7.8% | $253.2M-10.2% | $265.1M-11.9% | $232.9M-20.5% | $251.7M-11.1% | $282.0M-16.5% |
| R&D Expenses | $10.9M-53.8% | $10.4M-61.5% | $15.9M-29.2% | $20.7M-14.7% | $23.6M-4.8% | $27.1M+14.0% | $22.5M-6.9% | $24.3M+13.1% |
| SG&A Expenses | $59.9M-19.2% | $57.9M+1.1% | $62.1M-15.3% | $69.4M-9.7% | $74.1M-12.2% | $57.3M-33.0% | $73.3M+3.4% | $76.8M-22.2% |
| Operating Income | -$233.7M-1422.6% | -$9.5M-147.3% | $5.9M+174.7% | $21.8M+178.6% | $17.7M+92.4% | $20.0M+636.5% | $2.2M-71.6% | $7.8M+199.4% |
| EBITDA | -$212.7M-861.0% | $5.2M-82.5% | $20.9M-16.6% | $33.7M+32.8% | $28.0M-16.6% | $30.0M+12.7% | $25.1M-20.5% | $25.4M+47.0% |
| Interest Expense | $4.8M-4.8% | $5.3M+5.7% | $5.3M+5.2% | $5.1M+0.5% | $5.1M+0.2% | $5.0M+0.1% | $5.0M+0.2% | $5.0M+0.2% |
| Income Tax | -$918K-114.0% | -$717K-115.3% | -$2.7M-257.3% | $10.2M+138.3% | $6.5M+41.4% | $4.7M+34.6% | $1.7M-69.3% | -$26.6M-339.4% |
| Net Income | -$230.7M-2216.8% | -$9.0M-159.4% | $7.2M+439.2% | $10.6M-70.0% | $10.9M+166.6% | $15.1M+1247.0% | -$2.1M+65.5% | $35.4M+768.9% |
| EPS (Basic) | -$5.70-2578.3% | -$0.22-173.3% | $0.18 | $0.24-66.2% | $0.23+228.6% | $0.30+1100.0% | $0.00+100.0% | $0.71+7200.0% |
| EPS (Diluted) | -$5.70-2578.3% | -$0.22-173.3% | $0.17 | $0.23-67.1% | $0.23+228.6% | $0.30+1100.0% | $0.00+100.0% | $0.70 |
| Diluted Shares (Avg) | 40M-15.1% | 40M-20.4% | N/A | 45M-10.7% | 48M-6.0% | 50M+0.4% | N/A | 51M |
ANGI 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 | $1.3B-25.9% | $1.6B-10.0% | $1.7B-8.2% | $1.7B-5.9% | $1.8B-3.4% | $1.8B-1.6% | $1.8B-1.4% | $1.9B-2.6% |
| Current Assets | $256.2M-42.2% | $313.3M-32.7% | $366.4M-26.0% | $407.4M-18.4% | $443.2M-14.1% | $465.2M-3.4% | $495.1M+1.6% | $499.5M-3.2% |
| Cash & Equivalents | $188.7M-47.9% | $244.6M-36.7% | $303.7M-27.1% | $340.7M-13.8% | $362.5M-5.8% | $386.6M+6.4% | $416.4M+14.4% | $395.2M+7.7% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | $36.6M-18.4% | $37.4M-7.7% | $33.1M-9.9% | $38.4M-26.8% | $44.8M-32.4% | $40.5M-33.4% | $36.7M-28.2% | $52.4M-32.2% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $662.1M-25.6% | $889.2M+0.4% | $890.1M+0.8% | $889.7M+0.2% | $889.9M+0.6% | $885.6M0.0% | $883.4M-0.3% | $888.1M+0.5% |
| Total Liabilities | $637.9M-18.9% | $710.5M-6.1% | $753.0M-1.9% | $753.3M-4.2% | $786.6M-3.2% | $756.5M-5.0% | $767.9M-5.8% | $786.5M-9.0% |
| Current Liabilities | $214.1M-13.6% | $209.2M-3.2% | $222.4M-4.0% | $215.2M-11.6% | $247.9M-5.0% | $216.1M-10.8% | $231.7M-10.4% | $243.6M-19.8% |
| Non-Current Liabilities | $423.7M-21.3% | $501.3M-7.2% | $530.6M-1.1% | $538.1M-0.9% | $538.7M-2.4% | $540.4M-2.4% | $536.3M-3.7% | $542.9M-3.1% |
| Long-Term Debt | $398.5M-19.9% | $471.4M-5.2% | $497.7M+0.2% | $497.5M+0.2% | $497.2M+0.2% | $497.0M+0.2% | $496.8M+0.2% | $496.6M+0.2% |
| Total Equity | $687.6M-31.4% | $914.7M-12.8% | $927.4M-12.7% | $994.1M-7.1% | $1.0B-3.6% | $1.0B+1.0% | $1.1B+2.1% | $1.1B+2.7% |
| Retained Earnings | -$390.5M-131.1% | -$159.9M+11.1% | -$150.9M+22.6% | -$158.1M+18.4% | -$169.0M+26.2% | -$179.9M+22.7% | -$195.0M+15.6% | -$193.7M+14.1% |
Not reported in any period shown, so not listed: Inventory.
ANGI 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 | $27.2M-52.3% | -$17.9M-475.1% | $30.1M-24.9% | $21.0M-32.1% | $57.1M-8.9% | -$3.1M-114.0% | $40.0M+347.7% | $30.9M+276.6% |
| Depreciation & Amortization | $21.0M+104.7% | $14.7M+47.7% | $13.2M-42.5% | $11.9M-32.2% | $10.3M-57.7% | $9.9M-58.3% | $22.9M-4.2% | $17.6M-30.1% |
| Stock-Based Compensation | $5.0M-1.9% | $2.8M+220.3% | N/A | $6.0M-40.3% | $5.1M-41.7% | -$2.3M-124.3% | N/A | $10.0M-5.3% |
| Capital Expenditures | $15.0M+22.5% | $15.7M+25.1% | $18.7M+44.7% | $16.0M+32.6% | $12.3M-3.1% | $12.6M-1.8% | $12.9M+10.9% | $12.1M-12.2% |
| Free Cash Flow | $12.2M-72.7% | -$33.6M-114.4% | $11.4M-58.1% | $4.9M-73.8% | $44.9M-10.3% | -$15.7M-265.2% | $27.1M+1091.7% | $18.8M+437.2% |
| Investing Cash Flow | -$15.0M-22.3% | -$15.7M-25.6% | N/A | -$16.0M-32.6% | -$12.3M+3.1% | -$12.5M+2.3% | N/A | -$12.1M+11.7% |
| Financing Cash Flow | -$67.7M+1.6% | -$25.5M-78.1% | -$48.8M-684.8% | -$26.4M-8.2% | -$68.8M-426.6% | -$14.3M-42.4% | -$6.2M+29.0% | -$24.4M-3619.8% |
| Share Buybacks | $0-100.0% | $0-100.0% | $46.0M+1470.6% | $26.3M+251.5% | $66.6M+487.1% | $9.8M+42.9% | $2.9M-61.1% | $7.5M |
Not reported in any period shown, so not listed: Dividends Paid.
ANGI 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 | 95.3%0.0pp | 95.9%+1.2pp | 96.3%+2.4pp | 95.3%+0.3pp | 95.3%-0.2pp | 94.7%-1.2pp | 94.0%-0.3pp | 95.0%-1.1pp |
| Operating Margin | -94.3%-100.6pp | -4.0%-12.1pp | 2.5%+1.7pp | 8.2%+5.6pp | 6.3%+3.4pp | 8.1%+7.2pp | 0.8%-1.7pp | 2.6%+4.9pp |
| Net Margin | -93.0%-96.9pp | -3.8%-9.9pp | 3.0%+3.8pp | 4.0%-7.9pp | 3.9%+2.6pp | 6.1%+6.6pp | -0.8%+1.3pp | 11.9%+13.4pp |
| Return on Equity | -33.6%-34.6pp | -1.0%-2.4pp | 0.8%+1.0pp | 1.1%-2.2pp | 1.1%+0.7pp | 1.4%+1.6pp | -0.2%+0.4pp | 3.3%+3.8pp |
| Return on Assets | -17.4%-18.0pp | -0.5%-1.4pp | 0.4%+0.5pp | 0.6%-1.3pp | 0.6%+0.4pp | 0.8%+0.9pp | -0.1%+0.2pp | 1.9%+2.2pp |
| Current Ratio | 1.20-0.6x | 1.50-0.7x | 1.65-0.5x | 1.89-0.2x | 1.79-0.2x | 2.15+0.2x | 2.14+0.3x | 2.05+0.4x |
| Debt-to-Equity | 0.58+0.1x | 0.520.0x | 0.54+0.1x | 0.500.0x | 0.500.0x | 0.470.0x | 0.470.0x | 0.460.0x |
| Asset Turnover | 0.190.0x | 0.150.0x | 0.140.0x | 0.150.0x | 0.160.0x | 0.140.0x | 0.150.0x | 0.160.0x |
| FCF Margin | 4.9%-11.2pp | -14.1%-7.7pp | 4.7%-5.4pp | 1.9%-4.5pp | 16.1%+0.3pp | -6.4%-9.5pp | 10.1%+11.0pp | 6.3%+7.9pp |
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 |
|---|---|---|---|---|---|---|
| Angi Inc ANGI | FY2025 | $1.0B | $43.8M | 4.3% | $201.2M | 33/100 |
| Fiverr International Ltd FVRR | FY2025 | $430.9M | $21.0M | 4.9% | $332.5M | 55/100 |
| Nerdwallet, Inc. NRDS | FY2025 | $836.6M | $48.7M | 5.8% | $625.2M | 65/100 |
| Shutterstock Inc SSTK | FY2025 | $989.9M | $45.5M | 4.6% | $212.4M | 57/100 |
| Cars.Com CARS | FY2025 | $723.2M | $20.1M | 2.8% | $620.4M | 57/100 |
| GETTY IMAGES HOLDINGS INC GETY | FY2025 | $981.3M | -$206.2M | -21.0% | $97.6M | 38/100 |
Where Angi Inc Ranks
Frequently Asked Questions
What is Angi Inc's annual revenue?
Angi Inc (ANGI) reported $1.0B in total revenue for fiscal year 2025. This represents a -13.0% 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 Angi Inc's revenue growing?
Angi Inc (ANGI) revenue declined by 13.0% year-over-year, from $1.2B to $1.0B in fiscal year 2025.
Is Angi Inc profitable?
Yes, Angi Inc (ANGI) reported a net income of $43.8M in fiscal year 2025, with a net profit margin of 4.3%.
What is Angi Inc's EBITDA?
Angi Inc (ANGI) had EBITDA of $112.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Angi Inc have?
As of fiscal year 2025, Angi Inc (ANGI) had $303.7M in cash and equivalents against $497.7M in long-term debt.
What is Angi Inc's gross margin?
Angi Inc (ANGI) had a gross margin of 95.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Angi Inc's operating margin?
Angi Inc (ANGI) had an operating margin of 6.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Angi Inc's net profit margin?
Angi Inc (ANGI) had a net profit margin of 4.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Angi Inc's return on equity (ROE)?
Angi Inc (ANGI) has a return on equity of 4.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Angi Inc's free cash flow?
Angi Inc (ANGI) generated $45.5M in free cash flow during fiscal year 2025. This represents a -56.9% 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 Angi Inc's operating cash flow?
Angi Inc (ANGI) generated $105.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Angi Inc's total assets?
Angi Inc (ANGI) had $1.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Angi Inc's capital expenditures?
Angi Inc (ANGI) invested $59.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Angi Inc spend on research and development?
Angi Inc (ANGI) invested $87.4M in research and development during fiscal year 2025.
What is Angi Inc's current ratio?
Angi Inc (ANGI) had a current ratio of 1.65 as of fiscal year 2025, which is generally considered healthy.
What is Angi Inc's debt-to-equity ratio?
Angi Inc (ANGI) had a debt-to-equity ratio of 0.54 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Angi Inc's return on assets (ROA)?
Angi Inc (ANGI) had a return on assets of 2.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Angi Inc's P/E ratio?
Angi Inc (ANGI) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $201.2M as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Angi Inc's price-to-sales ratio?
Angi Inc (ANGI) trades at 0.2x sales, its market capitalization divided by revenue of $992.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $201.2M as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Angi Inc's Altman Z-Score?
Angi Inc (ANGI) has an Altman Z-Score of 0.88, 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 Angi Inc's Piotroski F-Score?
Angi Inc (ANGI) has a Piotroski F-Score of 5 out of 8 computable signals; 1 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 Angi Inc's earnings high quality?
Angi Inc (ANGI) has an earnings quality ratio of 2.40x, considered cash-backed (high quality). 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 Angi Inc cover its interest payments?
Angi Inc (ANGI) has an interest coverage ratio of 3.20x, meaning it can adequately cover its interest obligations. 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 Angi Inc?
Angi Inc (ANGI) scores 33 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite 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.