Intuit Inc (INTU) 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 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Sep 9, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the INTU SEC filings page.
Intuit Inc (INTU) reported $21.4B in revenue for fiscal year 2026, up 13.9% from the prior fiscal year. 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).
Cash-generative software economics are funding larger shareholder distributions while leverage remains moderate.
From FY2025 to FY2026, net income rose18.0% while operating cash flow rose42.4% . That widening spread, alongside a40.4% free-cash-flow margin and only$175M of capital spending, indicates cash conversion strengthened beyond profit growth alone.
Operating margin widened from
Current ratio improved to 1.5x while debt/equity was 0.3x, indicating distributions were not paired with acute short-term pressure. Financing cash outflow was
Financial Health Signals
Scored against operating companies for FY2026. 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 Intuit 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.
Intuit Inc has an operating margin of 27.4%, meaning the company retains $27 of operating profit per $100 of revenue. This strong profitability earns a score of 91/100, reflecting efficient cost management and pricing power. This is up from 26.1% the prior year.
Intuit Inc's revenue grew 13.9% year-over-year to $21.4B, a solid pace of expansion. This earns a growth score of 75/100.
Intuit Inc carries a low D/E ratio of 0.34, meaning only $0.34 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 71/100, indicating a strong balance sheet with room for future borrowing.
Intuit Inc's current ratio of 1.51 indicates adequate short-term liquidity, earning a score of 41/100. The company can meet its near-term obligations, though with limited headroom.
Intuit Inc converts 40.4% of revenue into free cash flow ($8.7B). This strong cash generation earns a score of 96/100.
Intuit Inc earns a strong 24.0% return on equity (ROE), meaning it generates $24 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 84/100. This is up from 19.6% the prior year.
Intuit Inc scores 4.57, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($76.1B) relative to total liabilities ($17.8B). 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.
Intuit Inc 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), 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Intuit Inc generates $1.94 in operating cash flow ($8.8B OCF vs $4.6B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Intuit Inc earns $22.98 in operating income for every $1 of interest expense ($5.9B vs $256.0M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Intuit Inc generated $4.4B in revenue in Q4 2026. This represents an increase of 13.7% from the same quarter a year earlier. Against the prior quarter it is down 49.1%.
Intuit Inc's EBITDA was $650.0M in Q4 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 29.2% from the same quarter a year earlier. Against the prior quarter it is down 84.5%.
Intuit Inc reported $363.0M in net income in Q4 2026. This represents a decrease of 4.7% from the same quarter a year earlier. Against the prior quarter it is down 88.2%.
Intuit Inc earned $1.41 per diluted share (EPS) in Q4 2026. This represents an increase of 5.2% from the same quarter a year earlier. Against the prior quarter it is down 87.3%.
Cash & Balance Sheet
Intuit Inc generated $1.3B in free cash flow in Q4 2026, representing cash available after capex. This represents an increase of 256.3% from the same quarter a year earlier. Against the prior quarter it is down 75.1%.
Intuit Inc held $4.7B in cash against $6.4B in long-term debt as of Q4 2026.
Intuit Inc paid $1.20 per share in dividends in Q4 2026. This represents an increase of 15.4% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Intuit Inc's operating margin was 10.9% in Q4 2026, reflecting core business profitability. This is up 2.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 36.1 percentage points.
Intuit Inc's net profit margin was 8.3% in Q4 2026, showing the share of revenue converted to profit. This is down 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 27.5 percentage points.
Intuit Inc's ROE was 1.9% in Q4 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 12.9 percentage points.
Not reported for Q4 2026.
Capital Allocation
Intuit Inc invested $857.0M in research and development in Q4 2026. This represents an increase of 7.0% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.
Intuit Inc spent $2.1B on share buybacks in Q4 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 177.6% from the same quarter a year earlier. Against the prior quarter it is up 33.3%.
Intuit Inc invested $27.0M in capex in Q4 2026, funding long-term assets and infrastructure. This represents an increase of 80.0% from the same quarter a year earlier. Against the prior quarter it is down 57.8%.
INTU 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.4B+13.7% | $8.6B+10.4% | $4.7B+17.4% | $3.9B+18.3% | $3.8B+20.3% | $7.8B+15.1% | $4.0B+17.0% | $3.3B+10.2% |
| R&D Expenses | $857.0M+7.0% | $840.0M+18.8% | $836.0M+16.8% | $843.0M+19.7% | $801.0M+10.5% | $707.0M+5.4% | $716.0M+5.6% | $704.0M+3.5% |
| SG&A Expenses | $391.0M-7.8% | $409.0M+3.8% | $401.0M+3.1% | $422.0M+7.1% | $424.0M+12.5% | $394.0M+11.0% | $389.0M+13.1% | $394.0M+15.2% |
| Operating Income | $475.0M+40.1% | $4.0B+8.1% | $855.0M+44.2% | $534.0M+97.0% | $339.0M+324.5% | $3.7B+19.8% | $593.0M+60.7% | $271.0M-11.7% |
| EBITDA | $650.0M+29.2% | $4.2B+7.8% | $1.0B+35.1% | $699.0M+60.7% | $503.0M+2415.0% | $3.9B+18.9% | $755.0M+43.8% | $435.0M-5.4% |
| Interest Expense | $70.0M+18.6% | $70.0M+2.9% | $58.0M-3.3% | $58.0M-3.3% | $59.0M-1.7% | $68.0M+13.3% | $60.0M+5.3% | $60.0M-7.7% |
| Income Tax | $177.0M+1280.0% | $983.0M+13.8% | $176.0M+76.0% | $115.0M+618.8% | -$15.0M+87.5% | $864.0M+26.5% | $100.0M+9900.0% | $16.0M-30.4% |
| Net Income | $363.0M-4.7% | $3.1B+8.7% | $693.0M+47.1% | $446.0M+126.4% | $381.0M+2005.0% | $2.8B+18.0% | $471.0M+33.4% | $197.0M-18.3% |
| EPS (Basic) | $1.40+2.2% | $11.10+10.0% | $2.49+48.2% | $1.60+128.6% | $1.37+2057.1% | $10.09+18.3% | $1.68+33.3% | $0.70-18.6% |
| EPS (Diluted) | $1.41+5.2% | $11.09+10.7% | $2.48+48.5% | $1.59+127.1% | $1.34+1775.0% | $10.02+19.0% | $1.67+33.6% | $0.70-17.6% |
| Diluted Shares (Avg) | N/A | 276M-2.1% | 280M-1.1% | 281M-0.7% | N/A | 282M-0.7% | 283M-0.4% | 283M0.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit.
INTU 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $36.8B-0.5% | $39.3B+7.5% | $34.3B+8.2% | $33.2B0.0% | $37.0B+15.0% | $36.6B+15.9% | $31.7B+6.7% | $33.2B+16.5% |
| Current Assets | $15.3B+8.5% | $17.8B+27.7% | $11.7B+28.1% | $10.4B-2.8% | $14.1B+45.8% | $14.0B+51.2% | $9.1B+25.1% | $10.7B+72.1% |
| Cash & Equivalents | $4.7B+63.1% | $4.7B-14.0% | $2.9B+20.8% | $3.5B+22.1% | $2.9B-20.1% | $5.4B+29.1% | $2.4B+65.2% | $2.9B+65.6% |
| Short-Term Investments | $2.5B+49.6% | $2.1B+187.1% | $33.0M+37.5% | $190.0M-60.9% | $1.7B+258.7% | $731.0M+57.9% | $24.0M+60.0% | $486.0M-9.5% |
| Accounts Receivable | $625.0M+17.9% | $834.0M+15.2% | $1.2B+15.5% | $579.0M+35.9% | $530.0M+16.0% | $724.0M-8.4% | $1.0B+9.6% | $426.0M+14.5% |
| Long-Term Investments | $248.0M+163.8% | $176.0M+100.0% | $127.0M+44.3% | $92.0M+2.2% | $94.0M-28.2% | $88.0M-31.8% | $88.0M-31.3% | $90.0M-15.9% |
| Goodwill | $14.0B0.0% | $14.0B+1.0% | $14.0B+1.0% | $14.0B+1.0% | $14.0B+1.0% | $13.8B+0.5% | $13.8B+0.4% | $13.8B+0.5% |
| Total Liabilities | $17.8B+3.2% | $18.7B+13.6% | $15.2B+10.9% | $13.9B-7.9% | $17.2B+25.9% | $16.5B+28.6% | $13.7B+7.5% | $15.1B+31.0% |
| Current Liabilities | $10.2B-2.0% | $12.3B+27.2% | $8.8B+23.2% | $7.5B-12.8% | $10.4B+38.4% | $9.7B+56.6% | $7.2B+15.5% | $8.6B+72.5% |
| Non-Current Liabilities | $7.6B+10.9% | $6.4B-5.7% | $6.4B-2.6% | $6.3B-1.4% | $6.9B+10.8% | $6.8B+2.6% | $6.6B-0.2% | $6.4B-1.0% |
| Long-Term Debt | $6.4B+7.5% | $5.4B-8.4% | $5.4B-6.1% | $5.4B-4.2% | $6.0B+7.8% | $5.9B-0.8% | $5.8B-3.2% | $5.6B-4.3% |
| Total Equity | $19.0B-3.6% | $20.6B+2.5% | $19.1B+6.2% | $19.3B+6.5% | $19.7B+6.9% | $20.1B+7.3% | $17.9B+6.2% | $18.1B+6.7% |
| Retained Earnings | $19.0B-3.2% | $22.9B+16.7% | $20.1B+18.0% | $19.8B+17.1% | $19.7B+15.8% | $19.6B+13.4% | $17.1B+12.7% | $16.9B+12.3% |
Not reported in any period shown, so not listed: Inventory.
INTU 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.3B+249.3% | $5.3B+20.6% | $1.6B+46.9% | $637.0M+76.0% | $381.0M-8.6% | $4.4B+11.2% | $1.1B+74.4% | $362.0M+473.2% |
| Depreciation & Amortization | $175.0M+6.7% | $167.0M+2.5% | $165.0M+1.9% | $165.0M+0.6% | $164.0M-4.1% | $163.0M+0.6% | $162.0M+3.8% | $164.0M+7.2% |
| Stock-Based Compensation | N/A | $485.0M+3.4% | $521.0M+4.6% | $543.0M+6.3% | N/A | $469.0M+4.0% | $498.0M+4.8% | $511.0M+3.2% |
| Capital Expenditures | $27.0M+80.0% | $64.0M+82.9% | $46.0M+48.4% | $38.0M+15.2% | -$15.0M-11.8% | $35.0M-42.6% | $31.0M-50.8% | $33.0M-60.7% |
| Free Cash Flow | $1.3B+256.3% | $5.2B+20.1% | $1.5B+46.8% | $599.0M+82.1% | $366.0M-8.5% | $4.4B+12.1% | $1.0B+88.7% | $329.0M+281.8% |
| Investing Cash Flow | -$312.0M+74.5% | -$1.6B-284.1% | -$700.0M-43.1% | $1.2B+737.2% | -$1.2B-386.1% | -$416.0M-90.0% | -$489.0M-1538.2% | -$188.0M-189.5% |
| Financing Cash Flow | -$3.7B-2709.9% | $1.4B+68.4% | -$1.0B+68.2% | -$4.4B-674.5% | $142.0M-68.7% | $847.0M+150.3% | -$3.3B-20275.0% | $761.0M-10.4% |
| Dividends Paid | $332.0M+10.3% | $333.0M+14.0% | $341.0M+13.7% | $341.0M+15.2% | $301.0M+15.3% | $292.0M+13.6% | $300.0M+17.2% | $296.0M+13.8% |
| Share Buybacks | $2.1B+177.6% | $1.6B+106.6% | $933.0M+30.1% | $854.0M+53.3% | $746.0M+165.5% | $752.0M+31.5% | $717.0M+30.1% | $557.0M-4.6% |
INTU 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 | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 10.9%+2.1pp | 47.0%-1.0pp | 18.4%+3.4pp | 13.8%+5.5pp | 8.8%+13.6pp | 48.0%+1.9pp | 15.0%+4.1pp | 8.3%-2.1pp |
| Net Margin | 8.3%-1.6pp | 35.8%-0.6pp | 14.9%+3.0pp | 11.5%+5.5pp | 10.0%+10.6pp | 36.4%+0.9pp | 11.9%+1.4pp | 6.0%-2.1pp |
| Return on Equity | 1.9%0.0pp | 14.8%+0.8pp | 3.6%+1.0pp | 2.3%+1.2pp | 1.9%+2.0pp | 14.0%+1.3pp | 2.6%+0.5pp | 1.1%-0.3pp |
| Return on Assets | 1.0%0.0pp | 7.8%+0.1pp | 2.0%+0.5pp | 1.3%+0.8pp | 1.0%+1.1pp | 7.7%+0.1pp | 1.5%+0.3pp | 0.6%-0.3pp |
| Current Ratio | 1.51+0.1x | 1.450.0x | 1.32+0.1x | 1.39+0.1x | 1.36+0.1x | 1.45-0.1x | 1.27+0.1x | 1.240.0x |
| Debt-to-Equity | 0.340.0x | 0.260.0x | 0.280.0x | 0.280.0x | 0.300.0x | 0.290.0x | 0.320.0x | 0.310.0x |
| Asset Turnover | 0.120.0x | 0.220.0x | 0.140.0x | 0.120.0x | 0.100.0x | 0.210.0x | 0.130.0x | 0.100.0x |
| FCF Margin | 29.9%+20.4pp | 61.2%+4.9pp | 32.8%+6.6pp | 15.4%+5.4pp | 9.6%-3.0pp | 56.2%-1.5pp | 26.2%+10.0pp | 10.0%+16.1pp |
Not reported in any period shown, so not listed: Gross Margin.
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 |
|---|---|---|---|---|---|---|
| Intuit Inc INTU | FY2026 | $21.4B | $4.6B | 21.3% | $76.1B | 76/100 |
| Shopify Inc. SHOP | FY2025 | $11.6B | $1.2B | 10.7% | $194.8B | 70/100 |
| ServiceNow, Inc. NOW | FY2025 | $13.3B | $1.7B | 13.2% | $138.9B | 71/100 |
| Adobe Inc. ADBE | FY2025 | $23.8B | $7.1B | 30.0% | $94.5B | 76/100 |
| Uber Technologies, Inc. UBER | FY2025 | $52.0B | $10.1B | 19.3% | $139.1B | 56/100 |
| Automatic Data Processing ADP | FY2026 | $21.9B | $4.4B | 20.1% | $102.1B | 22/100 |
Where Intuit Inc Ranks
Frequently Asked Questions
What is Intuit Inc's annual revenue?
Intuit Inc (INTU) reported $21.4B in total revenue for fiscal year 2026. This represents a 13.9% 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 Intuit Inc's revenue growing?
Intuit Inc (INTU) revenue grew by 13.9% year-over-year, from $18.8B to $21.4B in fiscal year 2026.
Is Intuit Inc profitable?
Yes, Intuit Inc (INTU) reported a net income of $4.6B in fiscal year 2026, with a net profit margin of 21.3%.
What is Intuit Inc's EBITDA?
Intuit Inc (INTU) had EBITDA of $6.6B in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Intuit Inc have?
As of fiscal year 2026, Intuit Inc (INTU) had $4.7B in cash and equivalents against $6.4B in long-term debt.
What is Intuit Inc's operating margin?
Intuit Inc (INTU) had an operating margin of 27.4% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.
What is Intuit Inc's net profit margin?
Intuit Inc (INTU) had a net profit margin of 21.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does Intuit Inc pay dividends?
Yes, Intuit Inc (INTU) paid $4.80 per share in dividends during fiscal year 2026.
What is Intuit Inc's return on equity (ROE)?
Intuit Inc (INTU) has a return on equity of 24.0% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Intuit Inc's free cash flow?
Intuit Inc (INTU) generated $8.7B in free cash flow during fiscal year 2026. This represents a 41.5% 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 Intuit Inc's operating cash flow?
Intuit Inc (INTU) generated $8.8B in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Intuit Inc's total assets?
Intuit Inc (INTU) had $36.8B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Intuit Inc's capital expenditures?
Intuit Inc (INTU) invested $175.0M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
How much does Intuit Inc spend on research and development?
Intuit Inc (INTU) invested $3.4B in research and development during fiscal year 2026.
What is Intuit Inc's current ratio?
Intuit Inc (INTU) had a current ratio of 1.51 as of fiscal year 2026, which is generally considered healthy.
What is Intuit Inc's debt-to-equity ratio?
Intuit Inc (INTU) had a debt-to-equity ratio of 0.34 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Intuit Inc's return on assets (ROA)?
Intuit Inc (INTU) had a return on assets of 12.4% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Intuit Inc's P/E ratio?
Intuit Inc (INTU) trades at 16.7x earnings, its market capitalization divided by net income of $4.6B net income, FY2026. The market capitalization is $76.1B as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Intuit Inc's price-to-sales ratio?
Intuit Inc (INTU) trades at 3.5x sales, its market capitalization divided by revenue of $21.4B revenue, FY2026. The market capitalization is $76.1B as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Intuit Inc's Altman Z-Score?
Intuit Inc (INTU) has an Altman Z-Score of 4.57, 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 Intuit Inc's Piotroski F-Score?
Intuit Inc (INTU) 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 Intuit Inc's earnings high quality?
Intuit Inc (INTU) has an earnings quality ratio of 1.94x, 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 Intuit Inc cover its interest payments?
Intuit Inc (INTU) has an interest coverage ratio of 22.98x, 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 Intuit Inc?
Intuit Inc (INTU) scores 76 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.