Ecovyst Inc (ECVT) 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 11, 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 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ECVT SEC filings page.
Ecovyst Inc (ECVT) reported $869.3M in revenue over the twelve months to Jun 30, 2026, up 39.8% 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).
Ecovyst’s dominant mechanic is revenue expansion paired with margin compression, while cash generation accompanies a materially smaller debt base.
The 2025 revenue rebound coincided with gross margin falling from27.3% in FY2024 to21.9% , so added volume did not translate into operating recovery. Positive operating cash flow alongside a $71.1M net loss indicates that non-cash expenses are bridging the gap between accounting earnings and cash generation.
Long-term debt fell from
Free cash flow fell from
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 Ecovyst 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.
Ecovyst Inc has an operating margin of 9.0%, meaning the company retains $9 of operating profit per $100 of revenue. This strong profitability earns a score of 75/100, reflecting efficient cost management and pricing power. This is down from 14.2% the prior year.
Ecovyst Inc's revenue surged 20.9% year-over-year to $723.5M, reflecting rapid business expansion. This strong growth earns a score of 68/100.
Ecovyst Inc has a moderate D/E ratio of 0.65. This balance of debt and equity financing earns a leverage score of 40/100.
With a current ratio of 2.64, Ecovyst Inc holds $2.64 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 73/100.
Ecovyst Inc converts 9.7% of revenue into free cash flow ($69.9M). This strong cash generation earns a score of 72/100.
Ecovyst Inc posts a -11.8% return on equity (ROE), meaning it loses $12 for every $100 of shareholders' equity. This results in a returns score of 59/100. This is down from -1.0% the prior year.
Ecovyst Inc scores 1.65, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($1.1B) relative to total liabilities ($657.5M). 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.
Ecovyst Inc passes 6 of 9 financial strength tests. 2 of 4 profitability signals pass, all 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
Ecovyst Inc reported a net loss of $71.1M while generating $140.3M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Ecovyst Inc earns $1.90 in operating income for every $1 of interest expense ($64.9M vs $34.2M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Ecovyst Inc generated $250.0M in revenue in Q2 2026. This represents an increase of 42.0% from the same quarter a year earlier. Against the prior quarter it is up 16.3%.
Ecovyst Inc's EBITDA was $38.4M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 3.2% from the same quarter a year earlier. Against the prior quarter it is up 18.3%.
Ecovyst Inc reported $7.9M in net income in Q2 2026. This represents an increase of 31.4% from the same quarter a year earlier. Against the prior quarter it is up 82.3%.
Ecovyst Inc earned $0.07 per diluted share (EPS) in Q2 2026. This represents an increase of 40.0% from the same quarter a year earlier. Against the prior quarter it is up 75.0%.
Cash & Balance Sheet
Ecovyst Inc generated $3.7M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 66.6% from the same quarter a year earlier. Against the prior quarter it is up 31.4%.
Ecovyst Inc held $87.8M in cash against $493.0M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Ecovyst Inc's gross margin was 19.9% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.0 percentage points.
Ecovyst Inc's operating margin was 7.8% in Q2 2026, reflecting core business profitability. This is down 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.
Ecovyst Inc's net profit margin was 3.1% in Q2 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.
Ecovyst Inc's ROE was 1.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Capital Allocation
Ecovyst Inc repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
Ecovyst Inc invested $30.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 39.2% from the same quarter a year earlier. Against the prior quarter it is up 116.9%.
Not reported for Q2 2026.
ECVT 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-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $250.0M+42.0% | $215.0M+50.2% | $199.4M+34.0% | $204.9M+33.2% | $176.1M+14.4% | $143.1M+1.1% | $148.9M+123.7% | $153.9M-11.2% |
| Cost of Revenue | $200.1M+47.2% | $178.5M+44.0% | N/A | $152.8M+40.6% | $135.9M+5.2% | $124.0M+2.2% | N/A | $108.7M-9.5% |
| Gross Profit | $49.8M+24.1% | $36.4M+90.7% | $46.8M+8.8% | $52.1M+15.4% | $40.2M-4.4% | $19.1M-42.5% | $43.0M+172.0% | $45.1M-15.1% |
| SG&A Expenses | $17.4M-1.5% | $19.1M+15.9% | N/A | $15.7M+3.2% | $17.6M-22.4% | $16.5M-23.6% | N/A | $15.2M-10.4% |
| Operating Income | $19.4M+22.7% | $12.5M+1378.0% | $21.8M-2.8% | $28.3M+2.7% | $15.8M-27.2% | -$981K-107.3% | $22.4M+43.4% | $27.5M-13.7% |
| EBITDA | $38.4M-3.2% | $32.5M+46.7% | $41.9M | $48.4M-4.7% | $39.7M-8.2% | $22.1M-37.5% | N/A | $50.8M-4.6% |
| Interest Expense | $3.5M-59.1% | $3.2M-62.0% | N/A | $8.4M-26.0% | $8.5M-34.4% | $8.4M-37.7% | N/A | $11.3M-4.3% |
| Income Tax | $4.2M+107.9% | $3.6M+260.4% | N/A | $20.2M+338.8% | $2.0M-34.5% | -$2.2M-289.8% | N/A | $4.6M-41.7% |
| Net Income | $7.9M+31.4% | $4.3M+219.9% | $5.7M+118.9% | -$79.3M-656.1% | $6.0M-27.8% | -$3.6M-394.6% | -$30.4M-201.5% | $14.3M-14.0% |
| EPS (Basic) | $0.07+40.0% | $0.04+233.3% | $0.05+119.2% | -$0.70-683.3% | $0.05-28.6% | -$0.03-400.0% | -$0.26-204.0% | $0.12-14.3% |
| EPS (Diluted) | $0.07+40.0% | $0.04+233.3% | $0.05+119.2% | -$0.69-675.0% | $0.05-28.6% | -$0.03-400.0% | -$0.26-200.0% | $0.12-14.3% |
| Diluted Shares (Avg) | 111M-4.9% | 112M-4.7% | 114M-2.6% | 115M-2.0% | 117M-0.9% | 117M-0.2% | 118M | 117M-0.2% |
Not reported in any period shown, so not listed: R&D Expenses.
ECVT 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-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.4B-20.9% | $1.2B-30.2% | $1.3B-30.0% | $1.7B-5.7% | $1.8B-1.3% | $1.8B-2.4% | $1.8B-1.9% | $1.8B+1.5% |
| Current Assets | $261.4M-3.0% | $304.3M+4.2% | $319.4M+5.2% | $297.1M+4.8% | $269.4M+2.1% | $292.0M+8.7% | $303.7M+23.5% | $283.5M+38.8% |
| Cash & Equivalents | $87.8M+26.1% | $162.6M+27.5% | $197.2M+50.1% | $82.0M-33.6% | $69.6M-16.5% | $127.5M+23.6% | $131.4M+48.7% | $123.5M+222.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $40.0M-40.2% | $32.2M-45.2% | $26.8M+49.1% | $24.1M-55.1% | $66.9M+28.6% | $58.8M+12.0% | $18.0M-60.2% | $53.7M+11.3% |
| Accounts Receivable | $112.9M+9.2% | $94.1M+22.3% | $85.3M+60.4% | $83.3M+12.5% | $103.5M+21.4% | $76.9M-1.9% | $53.2M-34.6% | $74.0M-11.7% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $398.3M-2.1% | $326.7M-19.3% | $326.7M0.0% | $327.0M-19.4% | $406.7M+0.6% | $404.9M+0.2% | $326.6M-19.3% | $405.8M+0.6% |
| Total Liabilities | $833.8M-24.5% | $671.4M-38.3% | $657.5M-40.3% | $1.1B+1.5% | $1.1B+0.1% | $1.1B-2.8% | $1.1B-2.7% | $1.1B-2.1% |
| Current Liabilities | $153.6M+28.3% | $127.9M+23.0% | $120.8M+4.9% | $132.1M+18.1% | $119.7M+23.4% | $104.0M-3.2% | $115.1M-3.3% | $111.8M+11.3% |
| Non-Current Liabilities | $680.1M-30.9% | $543.5M-44.8% | $536.7M-45.6% | $994.8M-0.4% | $984.3M-2.1% | $984.2M-2.7% | $986.7M-2.6% | $998.8M-3.5% |
| Long-Term Debt | $493.0M-41.9% | $392.8M-53.8% | $392.6M-53.9% | $846.1M-0.9% | $847.9M-0.9% | $850.3M-0.8% | $852.1M-0.8% | $853.9M-0.8% |
| Total Equity | $586.9M-15.2% | $575.2M-17.7% | $603.4M-13.9% | $607.9M-16.7% | $692.4M-3.5% | $698.7M-1.8% | $700.5M-0.7% | $729.4M+7.6% |
| Retained Earnings | -$236.5M-35.0% | -$244.3M-34.9% | -$248.6M-40.1% | -$254.4M-72.9% | -$175.1M-8.5% | -$181.1M-6.8% | -$177.5M-3.9% | -$147.1M+26.7% |
ECVT 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-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $34.3M+4.0% | $16.9M+65.2% | $41.8M-4.0% | $55.3M-7.8% | $33.0M+231.8% | $10.3M-71.9% | $43.5M-32.2% | $59.9M+85.8% |
| Depreciation & Amortization | $19.1M-20.3% | $19.9M-13.7% | $20.0M | $20.1M-13.3% | $23.9M+10.7% | $23.1M+5.4% | N/A | $23.2M+9.1% |
| Stock-Based Compensation | $2.5M-9.3% | $3.4M+36.1% | N/A | $2.3M-3.3% | $2.8M-27.9% | $2.5M-31.5% | N/A | $2.3M-32.5% |
| Capital Expenditures | $30.7M+39.2% | $14.1M-17.3% | $18.8M+48.9% | $12.5M+97.6% | $22.0M+14.3% | $17.1M-1.6% | $12.6M+134.1% | $6.3M-56.2% |
| Free Cash Flow | $3.7M-66.6% | $2.8M+141.0% | $22.9M-25.7% | $42.8M-20.2% | $11.0M+218.1% | -$6.8M-135.7% | $30.9M-47.5% | $53.6M+200.4% |
| Investing Cash Flow | -$209.2M-214.2% | -$14.1M+41.7% | $543.9M+3256.9% | -$17.6M+9.1% | -$66.6M-241.9% | -$24.3M-39.6% | -$17.2M-47.3% | -$19.4M-34.4% |
| Financing Cash Flow | $100.1M+501.3% | -$37.4M-741.2% | -$487.5M-17763.7% | -$8.1M-956.8% | -$24.9M-145.3% | -$4.5M-6.4% | -$2.7M+9.9% | -$764K+92.8% |
| Share Buybacks | $0-100.0% | $36.3M | $19.5M | $5.5M | $21.9M+337.5% | $0 | $0 | $0-100.0% |
Not reported in any period shown, so not listed: Dividends Paid.
ECVT 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-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 19.9%-2.9pp | 16.9%+3.6pp | 23.4%-5.4pp | 25.4%-3.9pp | 22.8%-4.5pp | 13.4%-10.1pp | 28.9%+5.1pp | 29.3%-1.4pp |
| Operating Margin | 7.8%-1.2pp | 5.8%+6.5pp | 10.9%-4.1pp | 13.8%-4.1pp | 9.0%-5.1pp | -0.7%-10.2pp | 15.1%-8.4pp | 17.9%-0.5pp |
| Net Margin | 3.1%-0.3pp | 2.0%+4.5pp | 2.9%+23.3pp | -38.7%-47.9pp | 3.4%-2.0pp | -2.5%-3.4pp | -20.4%-65.5pp | 9.3%-0.3pp |
| Return on Equity | 1.3%+0.5pp | 0.8%+1.3pp | 0.9%+5.3pp | -13.0%-15.0pp | 0.9%-0.3pp | -0.5%-0.7pp | -4.3%-8.6pp | 1.9%-0.5pp |
| Return on Assets | 0.5%+0.2pp | 0.4%+0.5pp | 0.5%+2.1pp | -4.6%-5.3pp | 0.3%-0.1pp | -0.2%-0.3pp | -1.7%-3.3pp | 0.8%-0.1pp |
| Current Ratio | 1.70-0.5x | 2.38-0.4x | 2.640.0x | 2.25-0.3x | 2.25-0.5x | 2.81+0.3x | 2.64+0.6x | 2.54+0.5x |
| Debt-to-Equity | 0.84-0.4x | 0.68-0.5x | 0.65-0.6x | 1.39+0.2x | 1.220.0x | 1.220.0x | 1.220.0x | 1.17-0.1x |
| Asset Turnover | 0.18+0.1x | 0.17+0.1x | 0.16+0.1x | 0.120.0x | 0.100.0x | 0.080.0x | 0.080.0x | 0.080.0x |
| FCF Margin | 1.5%-4.8pp | 1.3%+6.1pp | 11.5%-9.2pp | 20.9%-14.0pp | 6.3%+12.3pp | -4.8%-18.3pp | 20.7%-67.6pp | 34.8%+24.6pp |
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 |
|---|---|---|---|---|---|---|
| Ecovyst Inc ECVT | FY2025 | $723.5M | -$71.1M | -9.8% | $1.1B | 65/100 |
| Stepan SCL | FY2025 | $2.3B | $46.9M | 2.0% | $1.4B | 39/100 |
| Oil-Dri Corporation of America ODC | FY2025 | $485.6M | $54.0M | 11.1% | $1.2B | 66/100 |
| Kronos Worldwide Inc KRO | FY2025 | $1.9B | -$110.9M | -6.0% | $932.3M | 36/100 |
| Mativ Holdings MATV | FY2025 | $2.0B | -$337.4M | -17.0% | $680.5M | 34/100 |
| Calumet CLMT | FY2025 | $4.1B | -$33.8M | -0.8% | $5.0B | 28/100 |
Where Ecovyst Inc Ranks
Frequently Asked Questions
What is Ecovyst Inc's annual revenue?
Ecovyst Inc (ECVT) reported $723.5M in total revenue for fiscal year 2025. This represents a 20.9% 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 Ecovyst Inc's revenue growing?
Ecovyst Inc (ECVT) revenue grew by 20.9% year-over-year, from $598.3M to $723.5M in fiscal year 2025.
Is Ecovyst Inc profitable?
No, Ecovyst Inc (ECVT) reported a net income of -$71.1M in fiscal year 2025, with a net profit margin of -9.8%.
What is Ecovyst Inc's EBITDA?
Ecovyst Inc (ECVT) had EBITDA of $141.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Ecovyst Inc have?
As of fiscal year 2025, Ecovyst Inc (ECVT) had $197.2M in cash and equivalents against $392.6M in long-term debt.
What is Ecovyst Inc's gross margin?
Ecovyst Inc (ECVT) had a gross margin of 21.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Ecovyst Inc's operating margin?
Ecovyst Inc (ECVT) had an operating margin of 9.0% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Ecovyst Inc's net profit margin?
Ecovyst Inc (ECVT) had a net profit margin of -9.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Ecovyst Inc's return on equity (ROE)?
Ecovyst Inc (ECVT) has a return on equity of -11.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Ecovyst Inc's free cash flow?
Ecovyst Inc (ECVT) generated $69.9M in free cash flow during fiscal year 2025. This represents a -25.9% 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 Ecovyst Inc's operating cash flow?
Ecovyst Inc (ECVT) generated $140.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Ecovyst Inc's total assets?
Ecovyst Inc (ECVT) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Ecovyst Inc's capital expenditures?
Ecovyst Inc (ECVT) invested $70.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Ecovyst Inc's current ratio?
Ecovyst Inc (ECVT) had a current ratio of 2.64 as of fiscal year 2025, which is generally considered healthy.
What is Ecovyst Inc's debt-to-equity ratio?
Ecovyst Inc (ECVT) had a debt-to-equity ratio of 0.65 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Ecovyst Inc's return on assets (ROA)?
Ecovyst Inc (ECVT) had a return on assets of -5.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Ecovyst Inc's P/E ratio?
Ecovyst Inc (ECVT) 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 $1.1B as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Ecovyst Inc's price-to-sales ratio?
Ecovyst Inc (ECVT) trades at 1.2x sales, its market capitalization divided by revenue of $869.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.1B as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Ecovyst Inc's Altman Z-Score?
Ecovyst Inc (ECVT) has an Altman Z-Score of 1.65, 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 Ecovyst Inc's Piotroski F-Score?
Ecovyst Inc (ECVT) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. 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 Ecovyst Inc's earnings high quality?
Ecovyst Inc (ECVT) reported a net loss of $71.1M while generating $140.3M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, 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.
Can Ecovyst Inc cover its interest payments?
Ecovyst Inc (ECVT) has an interest coverage ratio of 1.90x, meaning it can struggle to 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 Ecovyst Inc?
Ecovyst Inc (ECVT) scores 65 out of 100 on our Financial Health Score, indicating strong 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.