Hurco Cos (HURC) 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 28, 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 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HURC SEC filings page.
Hurco Cos Inc (HURC) reported $183.2M in revenue over the twelve months to Jul 31, 2026, down 1.9% from the prior twelve months. 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).
Shrinking sales have pushed operating margins below zero, while working-capital release temporarily turns accounting losses into cash.
FY2025 generated operating cash flow of$17.6M despite a net loss of$15.1M . That gap suggests cash was supported more by collecting receivables and reducing inventory than by profitable operations, while modest reinvestment preserved free cash flow.
Margin compression is the central operating change: revenue declined
Balance-sheet leverage remains limited: liabilities were
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. 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 Hurco Cos 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.
Hurco Cos Inc has an operating margin of -5.8%, meaning the company loses $6 on every $100 of revenue. This results in a profitability score of 19/100. This is down from -4.4% the prior year.
Hurco Cos Inc's revenue declined 4.3% year-over-year, from $186.6M to $178.6M. This contraction results in a growth score of 9/100.
With a current ratio of 4.33, Hurco Cos Inc holds $4.33 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 89/100.
Hurco Cos Inc has a free cash flow margin of 9.3%, earning a moderate score of 37/100. The company generates positive cash flow after capital investments, but with room for improvement.
Hurco Cos Inc posts a -7.6% return on equity (ROE), meaning it loses $8 for every $100 of shareholders' equity. This results in a returns score of 19/100. This is up from -8.0% the prior year.
Hurco Cos Inc scores 3.40, well above the 2.99 safe threshold. The largest contribution to the score comes from a market capitalization of $140.7M against total liabilities of $65.5M. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Hurco Cos Inc passes 4 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
Hurco Cos Inc reported a net loss of $15.1M while generating $17.6M 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.
Hurco Cos Inc reported an operating loss of $10.3M against $89K 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
Hurco Cos Inc generated $47.3M in revenue in Q3 2026. This represents an increase of 3.2% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.
Hurco Cos Inc's EBITDA was $2.8M in Q3 2026, measuring earnings before interest, taxes, depreciation, and amortization. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Hurco Cos Inc reported $2.3M in net income in Q3 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Hurco Cos Inc earned $0.35 per diluted share (EPS) in Q3 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Cash & Balance Sheet
Hurco Cos Inc generated $3.5M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 68.0% from the same quarter a year earlier. Against the prior quarter it is up 77.2%.
Hurco Cos Inc held $52.1M in cash as of Q3 2026; no long-term debt figure is on record for that period.
Not reported for Q3 2026.
Margins & Returns
Hurco Cos Inc's gross margin was 27.9% in Q3 2026, indicating the percentage of revenue retained after direct costs. This is up 8.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.2 percentage points.
Hurco Cos Inc's operating margin was 4.9% in Q3 2026, reflecting core business profitability. This is up 8.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.5 percentage points.
Hurco Cos Inc's net profit margin was 4.9% in Q3 2026, showing the share of revenue converted to profit. This is up 13.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 9.9 percentage points.
Hurco Cos Inc's quarterly ROE was 1.2% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.4 percentage points.
Capital Allocation
Hurco Cos Inc invested $331K in capex in Q3 2026, funding long-term assets and infrastructure. This represents a decrease of 29.6% from the same quarter a year earlier. Against the prior quarter it is up 86.0%.
Not reported for Q3 2026.
Not reported for Q3 2026.
HURC 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-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $47.3M+3.2% | $47.6M+16.5% | $42.9M-7.6% | $45.5M-15.3% | $45.8M+7.4% | $40.9M-9.5% | $46.4M+3.0% | $53.7M-18.8% |
| Cost of Revenue | $34.1M-7.1% | $37.3M+12.9% | $34.9M-8.4% | $37.7M-9.1% | $36.7M+5.4% | $33.0M-11.1% | $38.1M+7.8% | $41.5M |
| Gross Profit | $13.2M+44.7% | $10.3M+32.0% | $7.9M-4.2% | $7.7M-36.4% | $9.1M+16.2% | $7.8M-2.4% | $8.3M-14.5% | $12.2M-30.0% |
| SG&A Expenses | $10.9M+1.2% | $11.1M+2.1% | $11.1M+7.0% | $11.2M-11.6% | $10.8M+3.7% | $10.9M-4.9% | $10.4M-9.8% | $12.7M-9.7% |
| Operating Income | $2.3Mn/m | -$799Kn/m | -$3.2Mn/m | -$3.5Mn/m | -$1.6Mn/m | -$3.1Mn/m | -$2.1Mn/m | -$491K-114.5% |
| EBITDA | $2.8Mn/m | -$282Kn/m | -$2.6Mn/m | -$2.8M-862.3% | -$1.0Mn/m | -$2.4Mn/m | -$1.4Mn/m | $363K-91.6% |
| Interest Expense | $25K+525.0% | $30K+650.0% | $6K-89.7% | $23K-84.9% | $4K-97.5% | $4K-97.1% | $58K-55.7% | $152K |
| Income Tax | $432K-23.8% | $775K+49.6% | $461K-77.4% | -$178K-155.6% | $567K-91.9% | $518K+1195.0% | $2.0Mn/m | $320K-70.3% |
| Net Income | $2.3Mn/m | -$2.4Mn/m | -$3.5Mn/m | -$3.0Mn/m | -$3.7Mn/m | -$4.1Mn/m | -$4.3Mn/m | -$1.4M-159.5% |
| EPS (Basic) | $0.35n/m | -$0.37n/m | -$0.54n/m | -$0.47n/m | -$0.58n/m | -$0.62n/m | -$0.67n/m | -$0.23-162.2% |
| EPS (Diluted) | $0.35n/m | -$0.37n/m | -$0.54n/m | -$0.47n/m | -$0.58n/m | -$0.62n/m | -$0.67n/m | -$0.23-163.9% |
| Diluted Shares (Avg) | 6M+0.5% | 6M-0.4% | 6M-0.5% | N/A | 6M-0.8% | 7M-0.3% | 6M-0.4% | N/A |
Not reported in any period shown, so not listed: R&D Expenses.
HURC 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-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $260.0M-3.4% | $259.5M-1.1% | $261.5M+2.2% | $264.3M-1.6% | $269.1M-1.2% | $262.5M-6.5% | $255.8M-11.8% | $268.6M-7.6% |
| Current Assets | $222.7M-2.4% | $221.4M-0.7% | $222.7M+2.8% | $225.1M-1.5% | $228.3M-2.1% | $222.9M-6.7% | $216.6M-12.4% | $228.6M-7.9% |
| Cash & Equivalents | $52.1M+17.1% | $50.1M+14.3% | $48.0M+14.8% | $48.7M+46.2% | $44.5M+23.4% | $43.8M+16.7% | $41.8M+10.2% | $33.3M-20.2% |
| Short-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Inventory | $136.6M-7.4% | $137.2M-6.3% | $141.7M+1.4% | $142.9M-6.6% | $147.5M-10.1% | $146.4M-10.6% | $139.7M-15.3% | $153.0M-3.1% |
| Accounts Receivable | $26.8M-2.9% | $27.6M+7.7% | $25.8M-8.9% | $27.9M-23.9% | $27.6M+10.0% | $25.6M-5.4% | $28.4M-14.4% | $36.7M-8.2% |
| Long-Term Investments | $9.0M+2.4% | $9.2M+7.3% | $9.1M+8.3% | $9.0M+9.6% | $8.8Mn/m | $8.5Mn/m | $8.4Mn/m | $8.2Mn/m |
| Total Liabilities | $67.7M+3.5% | $67.1M+11.4% | $66.5M+15.3% | $65.5M+6.6% | $65.4M-0.5% | $60.2M-7.7% | $57.7M-11.9% | $61.5M-10.1% |
| Current Liabilities | $56.0M+8.6% | $54.4M+15.8% | $53.2M+21.0% | $52.0M+8.9% | $51.5M+0.6% | $47.0M-8.6% | $44.0M-13.5% | $47.8M-13.1% |
| Non-Current Liabilities | $11.7M-15.4% | $12.6M-4.2% | $13.3M-3.2% | $13.5M-1.4% | $13.9M-4.4% | $13.2M-4.7% | $13.7M-6.6% | $13.7M+2.2% |
| Total Equity | $192.3M-5.6% | $192.4M-4.9% | $195.0M-1.6% | $198.8M-4.0% | $203.7M-1.4% | $202.3M-6.2% | $198.1M-11.8% | $207.2M-6.8% |
| Retained Earnings | $142.8M-4.4% | $140.5M-8.2% | $142.8M-9.1% | $146.3M-9.4% | $149.3M-8.3% | $153.0M-11.3% | $157.1M-11.5% | $161.4M-10.4% |
Not reported in any period shown, so not listed: Goodwill, Long-Term Debt.
HURC 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-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.8M+49.9% | $2.1M+114.4% | -$616K-106.0% | $3.7Mn/m | $2.5Mn/m | $997K-46.9% | $10.3Mn/m | -$1.2M-135.9% |
| Depreciation & Amortization | $484K-24.6% | $517K-20.2% | $569K-19.9% | $691K-19.1% | $642K-27.7% | $648K-26.5% | $710K-21.8% | $854K-10.3% |
| Stock-Based Compensation | $576K-0.3% | $475K+1.7% | $591K+1.2% | N/A | $578K+114.9% | $467K+112.3% | $584K-1.2% | N/A |
| Capital Expenditures | $331K-29.6% | $178K-42.2% | $71K-23.7% | $39K-91.3% | $470K+114.6% | $308K+136.9% | $93K-79.1% | $448K-5.7% |
| Free Cash Flow | $3.5M+68.0% | $2.0M+184.5% | -$687K-106.7% | $3.6Mn/m | $2.1Mn/m | $689K-60.6% | $10.2Mn/m | -$1.7M-157.3% |
| Investing Cash Flow | -$1.0Mn/m | -$577Kn/m | $555Kn/m | $679Kn/m | -$745Kn/m | -$800Kn/m | -$380Kn/m | -$836Kn/m |
| Financing Cash Flow | $0n/m | $0n/m | -$271Kn/m | $0n/m | -$2.0Mn/m | $0n/m | -$352Kn/m | -$993Kn/m |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $1K-99.9% |
| Share Buybacks | N/A | N/A | N/A | $0-100.0% | $2.0M+293.7% | N/A | N/A | $992Kn/m |
HURC 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-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 27.9%+8.0pp | 21.7%+2.5pp | 18.5%+0.7pp | 17.0%-5.6pp | 19.9%+1.5pp | 19.2%+1.4pp | 17.9%-3.7pp | 22.7%-3.7pp |
| Operating Margin | 4.9%+8.4pp | -1.7%+5.8pp | -7.4%-2.9pp | -7.6%-6.7pp | -3.6%+2.3pp | -7.5%+0.1pp | -4.5%-0.5pp | -0.9%-6.0pp |
| Net Margin | 4.9%+13.0pp | -5.0%+5.0pp | -8.1%+1.2pp | -6.7%-4.0pp | -8.1%+14.4pp | -9.9%-1.3pp | -9.3%-5.7pp | -2.7%-6.3pp |
| Return on Equity | 1.2%+3.0pp | -1.2%+0.8pp | -1.8%+0.4pp | -1.5%-0.8pp | -1.8%+2.8pp | -2.0%-0.2pp | -2.2%-1.4pp | -0.7%-1.8pp |
| Return on Assets | 0.9%+2.3pp | -0.9%+0.6pp | -1.3%+0.4pp | -1.1%-0.6pp | -1.4%+2.2pp | -1.6%-0.1pp | -1.7%-1.1pp | -0.5%-1.4pp |
| Current Ratio | 3.98-0.5x | 4.07-0.7x | 4.19-0.7x | 4.33-0.5x | 4.43-0.1x | 4.74+0.1x | 4.93+0.1x | 4.78+0.3x |
| Liabilities-to-Equity | 0.350.0x | 0.35+0.1x | 0.340.0x | 0.330.0x | 0.320.0x | 0.300.0x | 0.290.0x | 0.300.0x |
| Asset Turnover | 0.180.0x | 0.180.0x | 0.160.0x | 0.170.0x | 0.170.0x | 0.160.0x | 0.180.0x | 0.200.0x |
| FCF Margin | 7.3%+2.8pp | 4.1%+2.4pp | -1.6%-23.7pp | 8.0%+11.1pp | 4.5%+6.5pp | 1.7%-2.2pp | 22.1%+28.8pp | -3.1%-7.5pp |
Not reported in any period shown, so not listed: Debt-to-Equity.
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 |
|---|---|---|---|---|---|---|
| Hurco Cos Inc HURC | FY2025 | $178.6M | -$15.1M | -8.5% | $140.7M | 40/100 |
| Ocean Power Technologies, Inc. OPTT | FY2026 | $3.7M | -$48.9M | N/A | $5.7M | 31/100 |
| SCHMID Group N.V. SHMD | FY2024 | $63.0M | -$87.1M | N/A | $198.6M | 30/100 |
| Taylor Devices Inc TAYD | FY2026 | $41.6M | $8.6M | 20.6% | $181.8M | 72/100 |
| XCHG Limited XCH | FY2025 | $25.1M | -$32.5M | N/A | $7.8M | 37/100 |
| NET Power Inc. NPWR | FY2025 | $0 | -$578.6M | N/A | $85.1M | — |
Where Hurco Cos Inc Ranks
Frequently Asked Questions
What is Hurco Cos Inc's annual revenue?
Hurco Cos Inc (HURC) reported $178.6M in total revenue for fiscal year 2025. This represents a -4.3% 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 Hurco Cos Inc's revenue growing?
Hurco Cos Inc (HURC) revenue declined by 4.3% year-over-year, from $186.6M to $178.6M in fiscal year 2025.
Is Hurco Cos Inc profitable?
No, Hurco Cos Inc (HURC) reported a net loss of $6.6M over the trailing 12 months to July 31, 2026. In fiscal year 2025 it reported a net loss of $15.1M, with a net profit margin of -8.5%.
What is Hurco Cos Inc's EBITDA?
Hurco Cos Inc (HURC) had EBITDA of -$7.6M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Hurco Cos Inc's gross margin?
Hurco Cos Inc (HURC) had a gross margin of 18.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Hurco Cos Inc's operating margin?
Hurco Cos Inc (HURC) had an operating margin of -5.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Hurco Cos Inc's net profit margin?
Hurco Cos Inc (HURC) had a net profit margin of -8.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Hurco Cos Inc's return on equity (ROE)?
Hurco Cos Inc (HURC) has a return on equity of -7.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Hurco Cos Inc's free cash flow?
Hurco Cos Inc (HURC) generated $16.7M in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. 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 Hurco Cos Inc's operating cash flow?
Hurco Cos Inc (HURC) generated $17.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hurco Cos Inc's total assets?
Hurco Cos Inc (HURC) had $264.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Hurco Cos Inc's capital expenditures?
Hurco Cos Inc (HURC) invested $910K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Hurco Cos Inc spend on research and development?
Hurco Cos Inc (HURC) invested $4.0M in research and development during fiscal year 2025.
What is Hurco Cos Inc's current ratio?
Hurco Cos Inc (HURC) had a current ratio of 4.33 as of fiscal year 2025, which is generally considered healthy.
What is Hurco Cos Inc's liabilities-to-equity ratio?
Hurco Cos Inc (HURC) had a liabilities-to-equity ratio of 0.33 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
What is Hurco Cos Inc's return on assets (ROA)?
Hurco Cos Inc (HURC) had a return on assets of -5.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Hurco Cos Inc's P/E ratio?
Hurco Cos Inc (HURC) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to July 31, 2026). The market capitalization is $140.7M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Hurco Cos Inc's price-to-sales ratio?
Hurco Cos Inc (HURC) trades at 0.8x sales, its market capitalization divided by $183.2M revenue, trailing 12 months to July 31, 2026. The market capitalization is $140.7M as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Hurco Cos Inc's Altman Z-Score?
Hurco Cos Inc (HURC) has an Altman Z-Score of 3.40, placing it in the Safe Zone (low 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 Hurco Cos Inc's Piotroski F-Score?
Hurco Cos Inc (HURC) has a Piotroski F-Score of 4 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 Hurco Cos Inc's earnings high quality?
Hurco Cos Inc (HURC) reported a net loss of $15.1M while generating $17.6M 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 Hurco Cos Inc cover its interest payments?
Hurco Cos Inc (HURC) reported an operating loss of $10.3M against $89K 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 Hurco Cos Inc?
Hurco Cos Inc (HURC) scores 40 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average 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.