Ingles Mkts Inc Financials

IMKTA

Source SEC Filings (10-K/10-Q) Updated Feb 5, 2026 Currency USD FYE September

This page shows Ingles Mkts Inc (IMKTA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Ingles Mkts Inc has an operating margin of 2.2%, meaning the company retains $2 of operating profit per $100 of revenue. This below-average margin results in a low score of 27/100, suggesting thin profitability after operating expenses. This is down from 2.6% the prior year.

Growth

Ingles Mkts Inc's revenue declined 5.4% year-over-year, from $5.6B to $5.3B. This contraction results in a growth score of 24/100.

Leverage

Ingles Mkts Inc carries a low D/E ratio of 0.31, meaning only $0.31 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Ingles Mkts Inc's current ratio of 3.22 indicates adequate short-term liquidity, earning a score of 62/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

While Ingles Mkts Inc generated $154.1M in operating cash flow, capex of $114.5M consumed most of it, leaving $39.6M in free cash flow. This results in a low score of 27/100, reflecting heavy capital investment rather than weak cash generation.

Returns

Ingles Mkts Inc generates a 5.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is down from 6.8% the prior year.

Altman Z-Score Safe

4.50

Ingles Mkts Inc scores 4.50, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Neutral

6/9

Ingles Mkts Inc passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

1.84x

For every $1 of reported earnings, Ingles Mkts Inc generates $1.84 in operating cash flow ($154.1M OCF vs $83.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

6.0x

Ingles Mkts Inc earns $6.0 in operating income for every $1 of interest expense ($117.6M vs $19.7M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$5.3B

YoY-5.4%

5Y CAGR+3.0%

10Y CAGR+3.5%

Ingles Mkts Inc generated $5.3B in revenue in fiscal year 2025. This represents a decrease of 5.4% from the prior year.

EBITDA

$240.5M

YoY-10.5%

5Y CAGR-9.6%

10Y CAGR-0.1%

Ingles Mkts Inc's EBITDA was $240.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 10.5% from the prior year.

Net Income

$83.6M

YoY-20.8%

5Y CAGR-14.1%

10Y CAGR+3.5%

Ingles Mkts Inc reported $83.6M in net income in fiscal year 2025. This represents a decrease of 20.8% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$39.6M

YoY-23.4%

5Y CAGR-29.5%

10Y CAGR-2.2%

Ingles Mkts Inc generated $39.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 23.4% from the prior year.

Cash & Debt

$366.2M

YoY+3.6%

5Y CAGR+121.3%

10Y CAGR+47.5%

Ingles Mkts Inc held $366.2M in cash against $497.3M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

23.9%

YoY+0.8pp

5Y CAGR-2.1pp

10Y CAGR+0.3pp

Ingles Mkts Inc's gross margin was 23.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.8 percentage points from the prior year.

Operating Margin

2.2%

YoY-0.4pp

5Y CAGR-3.9pp

10Y CAGR-1.5pp

Ingles Mkts Inc's operating margin was 2.2% in fiscal year 2025, reflecting core business profitability. This is down 0.4 percentage points from the prior year.

Net Margin

1.6%

YoY-0.3pp

5Y CAGR-2.3pp

10Y CAGR+0.0pp

Ingles Mkts Inc's net profit margin was 1.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.3 percentage points from the prior year.

Return on Equity

5.2%

YoY-1.7pp

5Y CAGR-16.6pp

10Y CAGR-8.7pp

Ingles Mkts Inc's ROE was 5.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$114.5M

YoY-45.7%

5Y CAGR-1.4%

10Y CAGR+1.0%

Ingles Mkts Inc invested $114.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 45.7% from the prior year.

IMKTA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$5.3B-5.4%	$5.6B-4.3%	$5.9B+3.8%	$5.7B+13.9%	$5.0B+8.2%	$4.6B
Cost of Revenue	$4.1B-6.4%	$4.3B-3.3%	$4.5B+5.3%	$4.3B+15.7%	$3.7B+8.0%	$3.4B
Gross Profit	$1.3B-2.0%	$1.3B-7.5%	$1.4B-0.8%	$1.4B+8.6%	$1.3B+8.8%	$1.2B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$117.6M-20.1%	$147.1M-49.7%	$292.3M-22.5%	$376.9M+7.7%	$350.1M+24.6%	$280.9M
Interest Expense	$19.7M-9.8%	$21.9M-0.9%	$22.1M+2.6%	$21.5M-11.6%	$24.3M-40.0%	$40.5M
Income Tax	$26.3M-22.4%	$34.0M-49.8%	$67.7M-23.5%	$88.5M+13.6%	$77.9M+38.0%	$56.4M
Net Income	$83.6M-20.8%	$105.5M-49.9%	$210.8M-22.7%	$272.8M+9.2%	$249.7M+39.8%	$178.6M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.4B0.0%	$1.4B+0.3%	$1.4B+1.6%	$1.3B+1.1%	$1.3B+3.4%	$1.3B-7.8%	$1.4B+0.3%	$1.4B
Cost of Revenue	$1.0B0.0%	$1.0B+0.5%	$1.0B+1.5%	$1.0B-0.1%	$1.0B+3.4%	$987.0M-10.1%	$1.1B+3.2%	$1.1B
Gross Profit	$334.6M0.0%	$334.6M0.0%	$334.7M+2.3%	$327.3M+5.3%	$311.0M+3.3%	$301.1M+0.6%	$299.4M-9.2%	$329.8M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$150K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	$39.1M0.0%	$39.1M+11.7%	$35.0M-6.2%	$37.3M+72.6%	$21.6M-8.2%	$23.6M+1733.4%	-$1.4M-103.3%	$44.2M
Interest Expense	$4.6M0.0%	$4.6M-7.2%	$5.0M+2.2%	$4.9M-0.5%	$4.9M-2.6%	$5.0M-3.8%	$5.2M-2.8%	$5.4M
Income Tax	$9.3M0.0%	$9.3M+23.9%	$7.5M-17.0%	$9.1M+101.3%	$4.5M-14.6%	$5.3M+450.9%	-$1.5M-114.1%	$10.6M
Net Income	$28.1M0.0%	$28.1M+9.5%	$25.7M-1.9%	$26.2M+73.4%	$15.1M-8.9%	$16.6M+1226.5%	-$1.5M-104.6%	$31.7M
EPS (Diluted)	$1.48	N/A	N/A	N/A	N/A	N/A	N/A	N/A

IMKTA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.6B+1.5%	$2.5B+2.2%	$2.5B+7.8%	$2.3B+13.7%	$2.0B+6.3%	$1.9B
Current Assets	$975.6M+5.4%	$925.5M-2.8%	$952.6M+13.7%	$838.1M+45.7%	$575.4M+22.4%	$470.2M
Cash & Equivalents	$366.2M+3.6%	$353.7M+7.7%	$328.5M+23.0%	$267.2M+280.0%	$70.3M+918.5%	$6.9M
Inventory	$483.0M+4.5%	$462.1M-6.4%	$493.9M+7.8%	$457.9M+17.4%	$390.0M+6.3%	$366.8M
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$950.1M-3.3%	$982.1M-3.2%	$1.0B-2.0%	$1.0B+0.1%	$1.0B-4.2%	$1.1B
Current Liabilities	$302.9M-5.5%	$320.6M-3.0%	$330.5M-1.0%	$333.8M+9.0%	$306.1M-5.5%	$323.8M
Long-Term Debt	$497.3M-3.5%	$515.1M-3.3%	$532.6M-3.9%	$554.3M-3.1%	$571.9M-2.4%	$586.2M
Total Equity	$1.6B+4.5%	$1.5B+5.9%	$1.5B+15.8%	$1.3B+28.1%	$983.3M+20.0%	$819.3M
Retained Earnings	$1.6B+4.6%	$1.5B+6.5%	$1.4B+15.9%	$1.2B+26.4%	$985.7M+20.8%	$816.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.6B0.0%	$2.6B+0.2%	$2.6B+0.7%	$2.5B+1.6%	$2.5B+0.5%	$2.5B-1.4%	$2.5B-0.7%	$2.5B
Current Assets	$977.1M0.0%	$977.1M+0.2%	$975.6M+2.9%	$947.7M+4.2%	$909.2M+2.2%	$890.0M-3.8%	$925.5M-3.9%	$962.7M
Cash & Equivalents	$366.2M+1.3%	$361.7M-1.2%	$366.2M+9.0%	$336.1M+13.0%	$297.3M+10.3%	$269.5M-23.8%	$353.7M-0.3%	$354.8M
Inventory	$485.3M0.0%	$485.3M+0.5%	$483.0M-0.9%	$487.5M-0.7%	$491.2M+0.1%	$490.8M+6.2%	$462.1M-4.4%	$483.5M
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$930.3M0.0%	$930.3M-2.1%	$950.1M-0.3%	$953.3M+2.0%	$934.6M+0.3%	$931.7M-5.1%	$982.1M-1.0%	$991.9M
Current Liabilities	$291.0M0.0%	$291.0M-3.9%	$302.9M+0.5%	$301.4M+5.6%	$285.4M+4.0%	$274.5M-14.4%	$320.6M-0.5%	$322.4M
Long-Term Debt	$494.1M0.0%	$494.1M-0.7%	$497.3M-0.7%	$500.6M-0.7%	$504.1M-1.5%	$511.9M-0.6%	$515.1M-0.6%	$518.3M
Total Equity	$1.6B0.0%	$1.6B+1.5%	$1.6B+1.4%	$1.6B+1.4%	$1.6B+0.7%	$1.6B+1.0%	$1.5B-0.5%	$1.6B
Retained Earnings	$1.6B0.0%	$1.6B+1.6%	$1.6B+1.4%	$1.6B+1.5%	$1.6B+0.8%	$1.6B+0.9%	$1.5B-0.3%	$1.5B

IMKTA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$154.1M-41.3%	$262.5M-1.5%	$266.4M-21.5%	$339.5M+10.8%	$306.3M-12.5%	$350.1M
Capital Expenditures	$114.5M-45.7%	$210.9M+21.5%	$173.6M+45.1%	$119.6M-14.9%	$140.6M+14.5%	$122.8M
Free Cash Flow	$39.6M-23.4%	$51.7M-44.3%	$92.8M-57.8%	$219.9M+32.7%	$165.7M-27.1%	$227.3M
Investing Cash Flow	-$109.9M+46.7%	-$206.2M-21.2%	-$170.1M-51.9%	-$112.0M+12.5%	-$128.0M-9.1%	-$117.4M
Financing Cash Flow	-$31.6M-1.3%	-$31.2M+10.8%	-$35.0M-14.2%	-$30.6M+73.3%	-$114.9M+57.1%	-$268.0M
Dividends Paid	$12.3M0.0%	$12.3M+0.1%	$12.3M0.0%	$12.3M-3.0%	$12.6M-2.9%	$13.0M
Share Buybacks	N/A	N/A	N/A	N/A	$80.0M	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$38.4M0.0%	$38.4M-35.9%	$59.9M-19.9%	$74.8M+18.6%	$63.1M+244.5%	-$43.6M-159.6%	$73.3M-29.1%	$103.3M
Capital Expenditures	$36.4M0.0%	$36.4M+57.3%	$23.1M-21.4%	$29.4M+21.5%	$24.2M-35.9%	$37.8M-44.3%	$67.8M+51.8%	$44.7M
Free Cash Flow	$2.1M0.0%	$2.1M-94.4%	$36.8M-18.9%	$45.4M+16.8%	$38.9M+147.7%	-$81.4M-1598.3%	$5.4M-90.7%	$58.6M
Investing Cash Flow	$36.3M+200.0%	-$36.3M-57.6%	-$23.0M+20.6%	-$29.0M-20.7%	-$24.0M+29.0%	-$33.9M+50.0%	-$67.7M-54.2%	-$43.9M
Financing Cash Flow	$6.7M+200.0%	-$6.7M+0.5%	-$6.7M+4.2%	-$7.0M+37.4%	-$11.2M-67.9%	-$6.7M-0.1%	-$6.7M0.0%	-$6.7M
Dividends Paid	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M0.0%	$3.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

IMKTA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	23.9%+0.8pp	23.1%-0.8pp	23.8%-1.1pp	24.9%-1.2pp	26.1%+0.1pp	26.0%
Operating Margin	2.2%-0.4pp	2.6%-2.3pp	5.0%-1.7pp	6.6%-0.4pp	7.0%+0.9pp	6.1%
Net Margin	1.6%-0.3pp	1.9%-1.7pp	3.6%-1.2pp	4.8%-0.2pp	5.0%+1.1pp	3.9%
Return on Equity	5.2%-1.7pp	6.8%-7.6pp	14.4%-7.2pp	21.6%-3.8pp	25.4%+3.6pp	21.8%
Return on Assets	3.3%-0.9pp	4.2%-4.3pp	8.5%-3.4pp	11.9%-0.5pp	12.4%+3.0pp	9.4%
Current Ratio	3.22+0.3	2.890.0	2.88+0.4	2.51+0.6	1.88+0.4	1.45
Debt-to-Equity	0.31-0.0	0.33-0.0	0.37-0.1	0.44-0.1	0.58-0.1	0.72
FCF Margin	0.7%-0.2pp	0.9%-0.7pp	1.6%-2.3pp	3.9%+0.5pp	3.3%-1.6pp	4.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	24.4%0.0pp	24.4%-0.1pp	24.5%+0.2pp	24.3%+1.0pp	23.4%-0.0pp	23.4%+2.0pp	21.4%-2.2pp	23.7%
Operating Margin	2.9%0.0pp	2.9%+0.3pp	2.6%-0.2pp	2.8%+1.1pp	1.6%-0.2pp	1.8%+1.9pp	-0.1%-3.3pp	3.2%
Net Margin	2.1%0.0pp	2.1%+0.2pp	1.9%-0.1pp	1.9%+0.8pp	1.1%-0.2pp	1.3%+1.4pp	-0.1%-2.4pp	2.3%
Return on Equity	1.7%0.0pp	1.7%+0.1pp	1.6%-0.1pp	1.6%+0.7pp	1.0%-0.1pp	1.1%+1.2pp	-0.1%-2.1pp	2.0%
Return on Assets	1.1%0.0pp	1.1%+0.1pp	1.0%-0.0pp	1.0%+0.4pp	0.6%-0.1pp	0.7%+0.7pp	-0.1%-1.3pp	1.3%
Current Ratio	3.360.0	3.36+0.1	3.22+0.1	3.14-0.0	3.19-0.1	3.24+0.4	2.89-0.1	2.99
Debt-to-Equity	0.300.0	0.300.0	0.310.0	0.310.0	0.320.0	0.330.0	0.330.0	0.33
FCF Margin	0.1%0.0pp	0.1%-2.5pp	2.7%-0.7pp	3.4%+0.5pp	2.9%+9.2pp	-6.3%-6.7pp	0.4%-3.8pp	4.2%

Similar Companies

Weis Markets WMK

$1.7B

Grocery Outlet Holding GO

$692.0M

Natural Grocers By Vitamin Cot NGVC

$595.4M

Village Super Mkt Inc VLGEA

$623.0M

Krispy Kreme, Inc. DNUT

$583.8M

Frequently Asked Questions

What is Ingles Mkts Inc's annual revenue?

Ingles Mkts Inc (IMKTA) reported $5.3B in total revenue for fiscal year 2025. This represents a -5.4% 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 Ingles Mkts Inc's revenue growing?

Ingles Mkts Inc (IMKTA) revenue declined by 5.4% year-over-year, from $5.6B to $5.3B in fiscal year 2025.

Is Ingles Mkts Inc profitable?

Yes, Ingles Mkts Inc (IMKTA) reported a net income of $83.6M in fiscal year 2025, with a net profit margin of 1.6%.

What is Ingles Mkts Inc's EBITDA?

Ingles Mkts Inc (IMKTA) had EBITDA of $240.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Ingles Mkts Inc have?

As of fiscal year 2025, Ingles Mkts Inc (IMKTA) had $366.2M in cash and equivalents against $497.3M in long-term debt.

What is Ingles Mkts Inc's gross margin?

Ingles Mkts Inc (IMKTA) had a gross margin of 23.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Ingles Mkts Inc's operating margin?

Ingles Mkts Inc (IMKTA) had an operating margin of 2.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Ingles Mkts Inc's net profit margin?

Ingles Mkts Inc (IMKTA) had a net profit margin of 1.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Ingles Mkts Inc's return on equity (ROE)?

Ingles Mkts Inc (IMKTA) has a return on equity of 5.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ingles Mkts Inc's free cash flow?

Ingles Mkts Inc (IMKTA) generated $39.6M in free cash flow during fiscal year 2025. This represents a -23.4% 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 Ingles Mkts Inc's operating cash flow?

Ingles Mkts Inc (IMKTA) generated $154.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ingles Mkts Inc's total assets?

Ingles Mkts Inc (IMKTA) had $2.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Ingles Mkts Inc's capital expenditures?

Ingles Mkts Inc (IMKTA) invested $114.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

What is Ingles Mkts Inc's current ratio?

Ingles Mkts Inc (IMKTA) had a current ratio of 3.22 as of fiscal year 2025, which is generally considered healthy.

What is Ingles Mkts Inc's debt-to-equity ratio?

Ingles Mkts Inc (IMKTA) had a debt-to-equity ratio of 0.31 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ingles Mkts Inc's return on assets (ROA)?

Ingles Mkts Inc (IMKTA) had a return on assets of 3.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ingles Mkts Inc's Altman Z-Score?

Ingles Mkts Inc (IMKTA) has an Altman Z-Score of 4.50, 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 Ingles Mkts Inc's Piotroski F-Score?

Ingles Mkts Inc (IMKTA) 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ingles Mkts Inc's earnings high quality?

Ingles Mkts Inc (IMKTA) has an earnings quality ratio of 1.84x, 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 Ingles Mkts Inc cover its interest payments?

Ingles Mkts Inc (IMKTA) has an interest coverage ratio of 6.0x, 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 Ingles Mkts Inc?

Ingles Mkts Inc (IMKTA) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.