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 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 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EDBL SEC filings page.
Edible Garden AG Incorporated (EDBL) reported $13.8M in revenue over the twelve months to Jun 30, 2026, up 12.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 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 showed a business whose sales no longer covered production and overhead, turning a prior margin improvement into heavy cash consumption.
The gross-margin improvement to16.7% in FY2024 reversed to-1.6% in FY2025, while operating losses widened from$9.3M to$15.8M ; the earlier improvement was therefore not durable, because overhead and production costs ultimately overwhelmed sales.
Cash conversion weakened materially: FY2025 operating cash flow was
Equity and short-term liquidity tell different stories. Total equity reached
Financial Health Signals
Scored against emerging 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 Edible Garden AG Incorporated'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.
Edible Garden AG Incorporated held $1.1M in cash, cash equivalents and investments at the end of fiscal year 2025, and its operations used $11.8M of cash that year. Cash Runway ranks emerging companies on the size of that balance against the outflow behind it, and Edible Garden AG Incorporated scores 5/100 among other emerging companies.
Edible Garden AG Incorporated had 913,756 shares outstanding at the end of fiscal year 2025. Dilution ranks emerging companies on how fast that count has grown over three years, where a slower rise is the better one, and Edible Garden AG Incorporated scores 91/100 among other emerging companies.
Not available for Edible Garden AG Incorporated, and counted as zero in the overall score.
Edible Garden AG Incorporated reported revenue of $12.8M in fiscal year 2025, against $13.9M in fiscal year 2024. Revenue Progress ranks emerging companies on the three-year path of that line, and Edible Garden AG Incorporated scores 38/100 among other emerging companies.
Edible Garden AG Incorporated's operations used $11.8M of cash in fiscal year 2025, against $8.5M used in fiscal year 2024. Burn Trend ranks emerging companies on which way that figure has moved over three years, and Edible Garden AG Incorporated scores 32/100 among other emerging companies.
Edible Garden AG Incorporated's cash, cash equivalents and investments came to $1.1M at the end of fiscal year 2025, against $8.1M of total liabilities. Balance Sheet ranks emerging companies on that comparison, and Edible Garden AG Incorporated scores 21/100 among other emerging companies.
Edible Garden AG Incorporated scores -5.81, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($2.2M) relative to total liabilities ($8.1M). 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.
Edible Garden AG Incorporated passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.
Edible Garden AG Incorporated reported a net loss of $17.3M while operations used $11.8M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Edible Garden AG Incorporated reported an operating loss of $15.8M against $1.4M 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
Edible Garden AG Incorporated generated $3.5M in revenue in Q2 2026. This represents an increase of 12.8% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.
Edible Garden AG Incorporated's EBITDA was -$2.5M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 24.9% from the same quarter a year earlier. Against the prior quarter it is up 36.2%.
Edible Garden AG Incorporated reported -$3.3M in net income in Q2 2026. This represents an increase of 19.4% from the same quarter a year earlier. Against the prior quarter it is up 11.2%.
Edible Garden AG Incorporated earned -$18.79 per diluted share (EPS) in Q2 2026.
Cash & Balance Sheet
Edible Garden AG Incorporated recorded an outflow of $2.6M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 25.0% from the same quarter a year earlier. Against the prior quarter it is down 1879.6%.
Edible Garden AG Incorporated held $10.7M in cash against $12.2M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Edible Garden AG Incorporated's gross margin was 16.8% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 3.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 48.2 percentage points.
Edible Garden AG Incorporated's operating margin was -89.5% in Q2 2026, reflecting core business profitability. No change is given against Q2 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Edible Garden AG Incorporated's net profit margin was -91.8% in Q2 2026, showing the share of revenue converted to profit. No change is given against Q2 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Edible Garden AG Incorporated's ROE was -58.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 195.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 16.9 percentage points.
Capital Allocation
Edible Garden AG Incorporated invested $3.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 5937.0% from the same quarter a year earlier. Against the prior quarter it is up 3034.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
EDBL 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 | $3.5M+12.8% | $3.3M+22.9% | $4.1M+6.6% | $2.8M+9.0% | $3.1M-26.3% | $2.7M-13.2% | $3.9M-5.2% | $2.6M-21.4% |
| Cost of Revenue | $3.0M+17.6% | $4.4M+66.9% | $5.3M+38.4% | $2.5M+35.0% | $2.5M-7.0% | $2.6M-15.4% | $3.8M+1.2% | $1.9M-42.5% |
| Gross Profit | $595K-6.2% | -$1.0M-1292.0% | -$1.2M-5095.8% | $273K-60.9% | $634K-59.5% | $88K+282.6% | $24K-91.5% | $699K+5725.0% |
| SG&A Expenses | $3.1M-21.5% | $2.9M+11.4% | $5.2M+86.7% | $3.8M+75.0% | $4.0M+45.3% | $2.6M-32.9% | $2.8M+8.4% | $2.2M-8.3% |
| Operating Income | -$3.2M+11.6% | -$6.7M-128.2% | -$5.7M-108.7% | -$3.6M-138.8% | -$3.6M-204.0% | -$2.9M+24.2% | -$2.7M+7.2% | -$1.5M+37.3% |
| EBITDA | -$2.5M+24.9% | -$4.0M-47.6% | -$5.1M-104.1% | -$2.8M-124.7% | -$3.4M-264.3% | -$2.7M+24.8% | -$2.5M+3.0% | -$1.2M+38.0% |
| Interest Expense | $163K-58.1% | $150K-65.9% | $207K-24.5% | $387K-5.4% | $389K-7.2% | $440K+276.1% | $274K+398.2% | $409K+617.5% |
| Income Tax | $0 | -$3.4M | N/A | N/A | $0 | $0 | N/A | N/A |
| Net Income | -$3.3M+19.4% | -$3.7M-10.4% | -$5.9M-92.3% | -$4.0M-96.1% | -$4.0M-109.3% | -$3.3M+16.4% | -$3.1M+27.4% | -$2.1M+15.1% |
| EPS (Diluted) | -$18.79 | -$5.25 | -$127.59 | $1.38 | -$2960.37 | -$24.74 | -$803.87 | $16.32 |
| Diluted Shares (Avg) | 180,420 | 752,460 | N/A | 3M | 4,687 | 134,333 | N/A | 126,416 |
Not reported in any period shown, so not listed: R&D Expenses, EPS (Basic).
EDBL 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 | $27.7M+27.0% | $17.5M+104.8% | $20.6M+72.9% | $20.1M+127.1% | $21.8M+120.7% | $8.5M+34.5% | $11.9M+79.0% | $8.9M-12.0% |
| Current Assets | $6.8M+14.8% | $5.6M+32.5% | $5.8M-21.5% | $4.9M-10.0% | $5.9M-6.6% | $4.2M+61.6% | $7.4M+178.7% | $5.4M+4.2% |
| Cash & Equivalents | $10.7M+277.8% | $2.0M+377.3% | $1.1M-68.4% | $828K-62.6% | $2.8M+28.9% | $409K+5.4% | $3.5M+592.2% | $2.2M-14.1% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $1.2M-13.5% | $1.3M-9.1% | $1.9M+20.5% | $1.7M+19.6% | $1.4M+53.4% | $1.5M+81.3% | $1.5M+127.7% | $1.4M+161.7% |
| Accounts Receivable | $979K-19.2% | $1.6M-9.7% | $1.9M-3.2% | $1.7M-0.2% | $1.2M-60.7% | $1.8M+54.3% | $2.0M+57.6% | $1.7M-1.5% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $22.1M+9.5% | $8.6M+30.7% | $8.1M+3.6% | $7.2M+28.6% | $20.2M+115.8% | $6.6M-36.6% | $7.8M+12.6% | $5.6M-8.4% |
| Current Liabilities | $9.3M+135.4% | $7.7M+49.1% | $7.1M+14.1% | $6.1M+25.3% | $4.0M-54.1% | $5.2M-45.9% | $6.2M+113.8% | $4.9M+145.2% |
| Non-Current Liabilities | $12.8M+911.6% | $919K-35.9% | $1.0M-37.2% | $1.1M+50.5% | $1.3M+68.6% | $1.4M+68.3% | $1.6M-60.1% | $734K-82.2% |
| Long-Term Debt | $12.2M+3545.2% | $194K-55.2% | $215K-60.5% | $239K-63.2% | $334K-55.6% | $433K-49.2% | $544K-86.5% | $649K-84.3% |
| Total Equity | $5.6M+250.1% | $8.8M+360.5% | $12.5M+205.3% | $12.9M+296.7% | $1.6M+211.5% | $1.9M+146.9% | $4.1M+1521.5% | $3.3M-17.5% |
| Retained Earnings | -$65.6M-34.7% | -$62.3M-39.6% | -$58.6M-42.0% | -$52.7M-37.9% | -$48.7M-34.6% | -$44.6M-30.4% | -$41.3M-36.5% | -$38.2M-46.9% |
Not reported in any period shown, so not listed: Goodwill.
EDBL 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 | $644K+118.8% | $251K+107.5% | -$2.7M-51.7% | -$2.4M-113.8% | -$3.4M+25.2% | -$3.3M-214.6% | -$1.8M-0.1% | -$1.1M+8.1% |
| Depreciation & Amortization | $654K+179.5% | $2.7M+998.4% | $653K+153.1% | $785K+206.6% | $234K-10.0% | $248K-17.9% | $258K-34.8% | $256K-33.7% |
| Stock-Based Compensation | N/A | $5K | N/A | N/A | N/A | $0-100.0% | N/A | N/A |
| Capital Expenditures | $3.3M+5937.0% | $104K+31.6% | $96K-23.8% | $409K+3990.0% | $54K-51.8% | $79K+43.6% | $126K-43.2% | $10K-95.2% |
| Free Cash Flow | -$2.6M+25.0% | $147K+104.3% | -$2.8M-46.6% | -$2.8M-148.4% | -$3.5M+25.9% | -$3.4M-206.2% | -$1.9M+4.8% | -$1.1M+20.9% |
| Investing Cash Flow | -$3.3M-5937.0% | -$104K-52.9% | -$456K-261.9% | -$409K-3990.0% | -$54K+51.8% | -$68K-23.6% | -$126K+43.2% | -$10K+95.2% |
| Financing Cash Flow | $11.3M+92.0% | $691K+147.7% | $3.4M+6.5% | $794K-30.8% | $5.9M-9.3% | $279K-71.9% | $3.2M+3537.6% | $1.1M-56.3% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
EDBL 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 | 16.8%-3.4pp | -31.4%-34.6pp | -29.0%-29.7pp | 9.7%-17.4pp | 20.2%-16.5pp | 3.2%+2.5pp | 0.6%-6.3pp | 27.1%+26.7pp |
| Operating Margin | -89.5% | -199.9% | -138.6% | -126.3% | -114.2% | -107.7% | -70.8%+1.6pp | -57.7%+14.5pp |
| Net Margin | -91.8% | -109.8% | -143.4% | -143.6% | -128.5% | -122.3% | -79.5% | -79.8%-5.9pp |
| Return on Equity | -58.5%+195.5pp | -41.5%+131.8pp | -47.4%+27.8pp | -31.3%+32.0pp | -254.0%+124.1pp | -173.3% | -75.2% | -63.3%-1.8pp |
| Return on Assets | -11.8%+6.8pp | -21.0%+18.0pp | -28.7%-2.9pp | -20.1%+3.2pp | -18.5%+1.0pp | -39.0%+23.7pp | -25.8%+37.9pp | -23.3%+0.9pp |
| Current Ratio | 0.73-0.8x | 0.72-0.1x | 0.82-0.4x | 0.80-0.3x | 1.49+0.8x | 0.82+0.5x | 1.19+0.3x | 1.11-1.5x |
| Debt-to-Equity | 2.18+2.0x | 0.02-0.2x | 0.02-0.1x | 0.02-0.2x | 0.21-1.3x | 0.23 | 0.13 | 0.20-0.8x |
| Asset Turnover | 0.130.0x | 0.19-0.1x | 0.20-0.1x | 0.14-0.2x | 0.14-0.3x | 0.32-0.2x | 0.33-0.3x | 0.290.0x |
| FCF Margin | -73.7% | 4.4% | -66.8%-18.2pp | -98.9%-55.5pp | -110.8% | -125.5% | -48.6%-0.2pp | -43.4%-0.3pp |
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.
Note: The current ratio is below 1.0 (0.82), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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 |
|---|---|---|---|---|---|---|
| Edible Garden AG Incorporated EDBL | FY2025 | $12.8M | -$17.3M | N/A | $2.2M | 31/100 |
| SHINECO INC SISI | FY2024 | $9.8M | -$22.4M | N/A | $5.0M | — |
| AquaBounty Technologies, Inc. AQB | FY2025 | N/A | -$18.5M | N/A | $4.8M | — |
| AgriFORCE Growing Systems Ltd. AGRI | FY2025 | $2.3M | -$33.2M | N/A | $9.6M | 41/100 |
| Sadot Group Inc. SDOT | FY2025 | N/A | N/A | N/A | $18.3M | — |
Where Edible Garden AG Incorporated Ranks
Frequently Asked Questions
What is Edible Garden AG Incorporated's annual revenue?
Edible Garden AG Incorporated (EDBL) reported $12.8M in total revenue for fiscal year 2025. This represents a -7.6% 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 Edible Garden AG Incorporated's revenue growing?
Edible Garden AG Incorporated (EDBL) revenue declined by 7.6% year-over-year, from $13.9M to $12.8M in fiscal year 2025.
Is Edible Garden AG Incorporated profitable?
No, Edible Garden AG Incorporated (EDBL) reported a net income of -$17.3M in fiscal year 2025.
What is Edible Garden AG Incorporated's EBITDA?
Edible Garden AG Incorporated (EDBL) had EBITDA of -$13.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Edible Garden AG Incorporated have?
As of fiscal year 2025, Edible Garden AG Incorporated (EDBL) had $1.1M in cash and equivalents against $215K in long-term debt.
What is Edible Garden AG Incorporated's gross margin?
Edible Garden AG Incorporated (EDBL) had a gross margin of -1.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Edible Garden AG Incorporated's return on equity (ROE)?
Edible Garden AG Incorporated (EDBL) has a return on equity of -138.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Edible Garden AG Incorporated's free cash flow?
Edible Garden AG Incorporated (EDBL) recorded an outflow of $12.4M in free cash flow during fiscal year 2025. This represents a -41.1% 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 Edible Garden AG Incorporated's operating cash flow?
Edible Garden AG Incorporated (EDBL) recorded an outflow of $11.8M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Edible Garden AG Incorporated's total assets?
Edible Garden AG Incorporated (EDBL) had $20.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Edible Garden AG Incorporated's capital expenditures?
Edible Garden AG Incorporated (EDBL) invested $638K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Edible Garden AG Incorporated's current ratio?
Edible Garden AG Incorporated (EDBL) had a current ratio of 0.82 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is Edible Garden AG Incorporated's debt-to-equity ratio?
Edible Garden AG Incorporated (EDBL) had a debt-to-equity ratio of 0.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Edible Garden AG Incorporated's return on assets (ROA)?
Edible Garden AG Incorporated (EDBL) had a return on assets of -84.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Edible Garden AG Incorporated's P/E ratio?
Edible Garden AG Incorporated (EDBL) 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 $2.2M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Edible Garden AG Incorporated's price-to-sales ratio?
Edible Garden AG Incorporated (EDBL) trades at 0.2x sales, its market capitalization divided by revenue of $13.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.2M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
How does Edible Garden AG Incorporated's liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, Edible Garden AG Incorporated (EDBL) held $1.1M in cash, cash equivalents and investments, and reported an operating cash outflow of $11.8M over that year. Dividing the one by the other, the reported balance equals about 1 month 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 Edible Garden AG Incorporated's Altman Z-Score?
Edible Garden AG Incorporated (EDBL) has an Altman Z-Score of -5.81, 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 Edible Garden AG Incorporated's Piotroski F-Score?
Edible Garden AG Incorporated (EDBL) has a Piotroski F-Score of 4 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 Edible Garden AG Incorporated's earnings high quality?
Edible Garden AG Incorporated (EDBL) reported a net loss of $17.3M while operations used $11.8M 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.
Can Edible Garden AG Incorporated cover its interest payments?
Edible Garden AG Incorporated (EDBL) reported an operating loss of $15.8M against $1.4M 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 Edible Garden AG Incorporated?
Edible Garden AG Incorporated (EDBL) scores 31 out of 100 on our Financial Health Score, indicating weak standing within its emerging companies peer group. The score is a 0-100 composite of six dimensions (Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, Balance Sheet), 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.