Bassett Furniture Industries I (BSET) 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 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Sep 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BSET SEC filings page.
Bassett Furniture Industries I (BSET) reported $335.6M in revenue over the twelve months to Aug 29, 2026. 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).
FY2025 shows a smaller furniture business returning to profitability through better margins and leaner spending, not renewed sales volume.
Cash conversion improved alongside earnings: operating cash flow reached$13.5M and free cash flow$9.0M in FY2025, reversing the prior year's weaker cash profile. That combination indicates the recovery was accompanied by cash generation rather than existing only on the income statement.
Revenue was nearly flat in FY2025, but gross margin expanded to
Balance-sheet leverage eased: total liabilities fell to
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 Bassett Furniture Industries I'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.
Bassett Furniture Industries I has an operating margin of 2.3%, meaning the company retains $2 of operating profit per $100 of revenue. This below-average margin results in a low score of 28/100, suggesting thin profitability after operating expenses. This is up from -4.9% the prior year.
Bassett Furniture Industries I's revenue grew a modest 1.6% year-over-year to $335.3M. This slow but positive growth earns a score of 12/100.
Bassett Furniture Industries I has a moderate D/E ratio of 0.96. This balance of debt and equity financing earns a leverage score of 48/100.
Bassett Furniture Industries I's current ratio of 1.89 indicates adequate short-term liquidity, earning a score of 56/100. The company can meet its near-term obligations, though with limited headroom.
Bassett Furniture Industries I's free cash flow margin of 2.7% results in a low score of 29/100. Capital expenditures of $4.5M absorb a large share of operating cash flow.
Bassett Furniture Industries I generates a 3.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from -5.8% the prior year.
Bassett Furniture Industries I scores 2.58, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Bassett Furniture Industries I passes 7 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), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Bassett Furniture Industries I generates $2.21 in operating cash flow ($13.5M OCF vs $6.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Bassett Furniture Industries I earns $150.52 in operating income for every $1 of interest expense ($7.8M vs $52K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Bassett Furniture Industries I generated $82.8M in revenue in Q3 2026. This represents an increase of 3.4% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.
Bassett Furniture Industries I's EBITDA was $5.0M in Q3 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 82.9% from the same quarter a year earlier. Against the prior quarter it is up 10.8%.
Bassett Furniture Industries I reported $2.1M in net income in Q3 2026. This represents an increase of 162.3% from the same quarter a year earlier. Against the prior quarter it is up 3.0%.
Bassett Furniture Industries I earned $0.24 per diluted share (EPS) in Q3 2026. This represents an increase of 166.7% from the same quarter a year earlier. It is unchanged from the prior quarter.
Cash & Balance Sheet
Bassett Furniture Industries I generated $1.8M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 169.5% from the same quarter a year earlier. Against the prior quarter it is down 67.5%.
Bassett Furniture Industries I held $35.4M in cash as of Q3 2026; long-term debt is not reported for that period.
Bassett Furniture Industries I paid $0.20 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Bassett Furniture Industries I's gross margin was 57.5% in Q3 2026, indicating the percentage of revenue retained after direct costs. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.
Bassett Furniture Industries I's operating margin was 3.4% in Q3 2026, reflecting core business profitability. This is up 2.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
Bassett Furniture Industries I's net profit margin was 2.5% in Q3 2026, showing the share of revenue converted to profit. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Bassett Furniture Industries I's ROE was 1.3% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Capital Allocation
Bassett Furniture Industries I spent $126K on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 65.4% from the same quarter a year earlier. Against the prior quarter it is down 75.1%.
Bassett Furniture Industries I invested $4.3M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 193.0% from the same quarter a year earlier. Against the prior quarter it is up 147.7%.
Not reported for Q3 2026.
BSET 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $82.8M+3.4% | $83.8M-0.7% | $80.3M | $88.7M+5.1% | $80.1M+5.9% | $84.3M-2.5% | $84.3M-10.9% | $75.6M-13.3% |
| Cost of Revenue | $35.2M+0.3% | $36.4M-2.8% | $35.2M | $38.7M+5.7% | $35.1M-1.2% | $37.4M-3.2% | $36.6M-15.3% | $35.5M-15.8% |
| Gross Profit | $47.6M+5.8% | $47.3M+0.9% | $45.2M | $49.9M+4.7% | $45.0M+12.2% | $46.9M-2.0% | $47.7M-7.2% | $40.1M-11.0% |
| SG&A Expenses | $44.7M+0.7% | $44.6M+0.5% | $43.9M | $47.2M+3.9% | $44.4M-1.8% | $44.4M-11.6% | $45.4M-10.2% | $45.2M-7.4% |
| Operating Income | $2.8M+369.1% | $2.2M-10.2% | $1.2M | $2.3M+151.6% | $593K+109.3% | $2.5M+205.9% | $907K+120.1% | -$6.4M-67.1% |
| EBITDA | $5.0M+82.9% | $4.5M-4.3% | $3.4M | $4.5M+38.8% | $2.7M+167.9% | $4.7M+1440.4% | $3.2M+271.4% | -$4.0M-233.2% |
| Income Tax | $786K+167.3% | $737K+8.7% | $402K | $987K+149.7% | $294K+123.2% | $678K+232.4% | -$2.0M-6985.7% | -$1.3M-111.9% |
| Net Income | $2.1M+162.3% | $2.0M+6.3% | $1.1M | $1.5M-52.3% | $801K+117.8% | $1.9M+260.8% | $3.2M+178.1% | -$4.5M-73.9% |
| EPS (Basic) | $0.24+166.7% | $0.24+9.1% | $0.13 | $0.17-54.1% | $0.09+117.3% | $0.22+257.1% | $0.37+178.7% | -$0.52-73.3% |
| EPS (Diluted) | $0.24+166.7% | $0.24+9.1% | $0.13 | $0.17-54.1% | $0.09+117.3% | $0.22+257.1% | $0.37+178.7% | -$0.52-73.3% |
| Diluted Shares (Avg) | 9M-0.4% | 9M-0.5% | 9M | N/A | 9M-0.6% | 9M-0.7% | N/A | 9M-0.1% |
Not reported in any period shown, so not listed: R&D Expenses, Interest Expense.
BSET 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $312.1M-3.7% | $317.5M-4.2% | $316.2M | $323.8M-5.1% | $324.2M-3.5% | $331.3M-8.3% | $341.2M-7.9% | $335.9M-9.0% |
| Current Assets | $135.3M-4.1% | $138.4M-4.0% | $140.0M | $145.5M+2.8% | $141.0M+2.5% | $144.2M-3.6% | $141.5M-10.4% | $137.5M-14.6% |
| Cash & Equivalents | $35.4M+2.8% | $35.9M-9.0% | $33.0M | $41.3M+4.4% | $34.4M-10.2% | $39.4M-2.9% | $39.6M-24.5% | $38.3M-20.2% |
| Short-Term Investments | $18.0M-10.9% | $18.0M-11.8% | $18.0M | $18.0M-11.8% | $20.2M+13.4% | $20.4M+14.7% | $20.4M0.0% | $17.8M+0.5% |
| Inventory | $59.3M-3.5% | $64.6M+8.9% | $65.7M | $61.8M+12.4% | $61.5M+9.5% | $59.4M-5.7% | $55.0M-12.7% | $56.1M-16.0% |
| Accounts Receivable | $14.3M+8.7% | $12.6M-2.5% | $14.7M | $14.4M+9.3% | $13.1M+1.2% | $12.9M-7.6% | $13.2M-4.0% | $13.0M-15.4% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $7.7M+6.2% | $7.7M+6.2% | $7.2M | $7.2M0.0% | $7.2M0.0% | $7.2M0.0% | $7.2M0.0% | $7.2M-43.0% |
| Total Liabilities | $147.2M-7.1% | $153.0M-7.0% | $151.7M | $158.7M-8.7% | $158.5M-7.2% | $164.6M-9.0% | $173.8M-7.0% | $170.8M-5.2% |
| Current Liabilities | $69.4M-5.3% | $70.1M-5.9% | $71.8M | $77.0M+4.9% | $73.3M+0.2% | $74.5M+1.7% | $73.4M-5.8% | $73.1M-10.9% |
| Non-Current Liabilities | $77.8M-8.7% | $82.9M-7.9% | $79.9M | $81.7M-18.6% | $85.2M-12.8% | $90.0M-16.3% | $100.4M-7.9% | $97.7M-0.5% |
| Total Equity | $164.9M-0.5% | $164.5M-1.4% | $164.4M | $165.1M-1.3% | $165.7M+0.4% | $166.8M-7.7% | $167.3M-8.8% | $165.0M-12.6% |
| Retained Earnings | $121.0M-0.5% | $120.6M-1.6% | $120.5M | $121.1M-1.4% | $121.6M+0.2% | $122.6M-10.2% | $122.8M-11.8% | $121.4M-16.3% |
Not reported in any period shown, so not listed: Long-Term Debt.
BSET 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.1M+619.7% | $7.4M+5.9% | -$5.5M | $7.8M+21.8% | -$1.2M-191.3% | $7.0M+189.9% | $6.4M-24.8% | -$404K-110.5% |
| Depreciation & Amortization | $2.2M+3.8% | $2.3M+2.2% | $2.2M | $2.2M-5.6% | $2.1M-7.5% | $2.2M-16.2% | $2.3M-12.7% | $2.3M-10.5% |
| Capital Expenditures | $4.3M+193.0% | $1.7M+23.1% | $863K | $793K+61.5% | $1.5M+41.0% | $1.4M-32.4% | $491K-82.7% | $1.0M-85.7% |
| Free Cash Flow | $1.8M+169.5% | $5.6M+1.5% | -$6.3M | $7.0M+18.5% | -$2.6M-83.1% | $5.6M+156.6% | $5.9M+4.2% | -$1.4M+57.8% |
| Investing Cash Flow | -$4.8M-168.2% | -$2.3M-54.2% | -$888K | $1.4M+145.1% | -$1.8M-14.9% | -$1.5M+37.5% | -$3.1M-28.5% | -$1.6M+81.1% |
| Financing Cash Flow | -$1.8M+10.6% | -$2.2M-3.4% | -$1.9M | -$2.3M-16.7% | -$2.0M+13.1% | -$2.1M-22.9% | -$2.0M-15.2% | -$2.4M-9.4% |
| Dividends Paid | $1.7M+0.1% | $1.7M-1.7% | $1.7M | $1.7M-0.9% | $1.7M-1.3% | $1.7M+10.7% | $1.7M+10.7% | $1.8M+11.6% |
| Share Buybacks | $126K-65.4% | $506K+15.8% | $147K | $628K+114.3% | $364K-42.9% | $437K | $293K+144.2% | $638K+5.3% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
BSET 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 | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.5%+1.3pp | 56.5%+0.9pp | 56.2% | 56.3%-0.2pp | 56.2%+3.1pp | 55.6%+0.3pp | 56.5%+2.3pp | 53.0%+1.4pp |
| Operating Margin | 3.4%+2.6pp | 2.7%-0.3pp | 1.4% | 2.6%+1.5pp | 0.7%+9.2pp | 3.0%+5.7pp | 1.1%+5.8pp | -8.4%-4.0pp |
| Net Margin | 2.5%+1.5pp | 2.4%+0.2pp | 1.4% | 1.7%-2.1pp | 1.0%+7.0pp | 2.3%+3.7pp | 3.8%+8.1pp | -6.0%-3.0pp |
| Return on Equity | 1.3%+0.8pp | 1.2%+0.1pp | 0.7% | 0.9%-1.0pp | 0.5%+3.2pp | 1.1%+1.8pp | 1.9%+4.1pp | -2.7%-1.4pp |
| Return on Assets | 0.7%+0.4pp | 0.6%+0.1pp | 0.4% | 0.5%-0.5pp | 0.3%+1.6pp | 0.6%+0.9pp | 0.9%+2.1pp | -1.3%-0.6pp |
| Current Ratio | 1.950.0x | 1.970.0x | 1.95 | 1.890.0x | 1.920.0x | 1.93-0.1x | 1.93-0.1x | 1.88-0.1x |
| Debt-to-Equity | 0.89-0.1x | 0.93-0.1x | 0.92 | 0.96-0.1x | 0.96-0.1x | 0.990.0x | 1.040.0x | 1.04+0.1x |
| Asset Turnover | 0.270.0x | 0.260.0x | 0.25 | 0.270.0x | 0.250.0x | 0.250.0x | 0.250.0x | 0.230.0x |
| FCF Margin | 2.2%+5.5pp | 6.7%+0.2pp | -7.9% | 7.9%+0.9pp | -3.3%-1.4pp | 6.6%+17.9pp | 7.0%+1.0pp | -1.9%+2.0pp |
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 |
|---|---|---|---|---|---|---|
| Bassett Furniture Industries I BSET | FY2025 | $335.3M | $6.1M | 1.8% | $181.2M | 34/100 |
| Kewaunee Scientific Corp KEQU | FY2026 | $282.0M | $9.6M | 3.4% | $97.9M | 64/100 |
| Virco Mfg. Corporation VIRC | FY2026 | $199.7M | $2.6M | 1.3% | $102.5M | 55/100 |
| Hooker Furnishings Corporation HOFT | FY2026 | $278.1M | -$27.0M | -9.7% | $135.4M | 43/100 |
| Hamilton Beach Brands Holding Company HBB | FY2025 | $606.9M | $26.5M | 4.4% | $470.5M | 64/100 |
| Nova Lifestyle, Inc. NVFY | FY2025 | $16.7M | -$3.4M | -20.4% | $202.1M | 25/100 |
Where Bassett Furniture Industries I Ranks
Frequently Asked Questions
What is Bassett Furniture Industries I's annual revenue?
Bassett Furniture Industries I (BSET) reported $335.3M in total revenue for fiscal year 2025. This represents a 1.6% 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 Bassett Furniture Industries I's revenue growing?
Bassett Furniture Industries I (BSET) revenue grew by 1.6% year-over-year, from $329.9M to $335.3M in fiscal year 2025.
Is Bassett Furniture Industries I profitable?
Yes, Bassett Furniture Industries I (BSET) reported a net income of $6.1M in fiscal year 2025, with a net profit margin of 1.8%.
What is Bassett Furniture Industries I's EBITDA?
Bassett Furniture Industries I (BSET) had EBITDA of $16.6M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Bassett Furniture Industries I's gross margin?
Bassett Furniture Industries I (BSET) had a gross margin of 56.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Bassett Furniture Industries I's operating margin?
Bassett Furniture Industries I (BSET) had an operating margin of 2.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Bassett Furniture Industries I's net profit margin?
Bassett Furniture Industries I (BSET) had a net profit margin of 1.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Bassett Furniture Industries I pay dividends?
Yes, Bassett Furniture Industries I (BSET) paid $0.80 per share in dividends during fiscal year 2025.
What is Bassett Furniture Industries I's return on equity (ROE)?
Bassett Furniture Industries I (BSET) has a return on equity of 3.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Bassett Furniture Industries I's free cash flow?
Bassett Furniture Industries I (BSET) generated $9.0M in free cash flow during fiscal year 2025. This represents a 871.8% 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 Bassett Furniture Industries I's operating cash flow?
Bassett Furniture Industries I (BSET) generated $13.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Bassett Furniture Industries I's total assets?
Bassett Furniture Industries I (BSET) had $323.8M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Bassett Furniture Industries I's capital expenditures?
Bassett Furniture Industries I (BSET) invested $4.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Bassett Furniture Industries I's current ratio?
Bassett Furniture Industries I (BSET) had a current ratio of 1.89 as of fiscal year 2025, which is generally considered healthy.
What is Bassett Furniture Industries I's debt-to-equity ratio?
Bassett Furniture Industries I (BSET) had a debt-to-equity ratio of 0.96 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Bassett Furniture Industries I's return on assets (ROA)?
Bassett Furniture Industries I (BSET) had a return on assets of 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Bassett Furniture Industries I's P/E ratio?
Bassett Furniture Industries I (BSET) trades at 26.7x earnings, its market capitalization divided by net income of $6.8M net income, trailing 12 months to August 29, 2026. The market capitalization is $181.2M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bassett Furniture Industries I's price-to-sales ratio?
Bassett Furniture Industries I (BSET) trades at 0.5x sales, its market capitalization divided by revenue of $335.6M revenue, trailing 12 months to August 29, 2026. The market capitalization is $181.2M as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bassett Furniture Industries I's Altman Z-Score?
Bassett Furniture Industries I (BSET) has an Altman Z-Score of 2.58, placing it in the Grey Zone (moderate 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 Bassett Furniture Industries I's Piotroski F-Score?
Bassett Furniture Industries I (BSET) has a Piotroski F-Score of 7 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 Bassett Furniture Industries I's earnings high quality?
Bassett Furniture Industries I (BSET) has an earnings quality ratio of 2.21x, 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 Bassett Furniture Industries I cover its interest payments?
Bassett Furniture Industries I (BSET) has an interest coverage ratio of 150.52x, meaning it can comfortably 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 Bassett Furniture Industries I?
Bassett Furniture Industries I (BSET) scores 34 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.