What is KB Home's earnings per share (EPS)?

KB Home (KBH) reported diluted earnings per share of $6.15 for fiscal year 2025. This represents a -27.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

KB Home Financials

KBH

FY2025 annual

Revenue $6.2B -10.0% YoY

Net Income $428.8M -34.5% YoY

EPS (Diluted) $6.15 -27.2% YoY

Free Cash Flow $287.3M -11.2% YoY

Source SEC Filings (10-K/10-Q) Data as of May 31, 2026 Currency USD FYE November

KB Home (KBH) reported $6.2B in revenue for fiscal year 2025, down 10.0% 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).

Rhea AI KBH FY2025 2026-07-09

KB Home's visible mechanic is cash-generative operations funding aggressive share shrinkage even as reported profit cools.

Between FY2024 and FY2025, net income fell from $655M to $429M. Free cash flow only eased from $323M to $287M, which means the earnings slowdown did not translate one-for-one into cash strain.

The reported fixed-asset side of the business looks lightly capital-intensive: FY2025 capital expenditures were just $48M against $336M of operating cash flow. That makes cash generation more sensitive to operating cash swings than to heavy plant or equipment reinvestment.

The cash balance fell to $230M in FY2025, but the bigger use of cash was capital return: buybacks alone were $541M. With liabilities below FY2022 and equity above it, that decline reads more like an allocation choice than a funding squeeze, and it helps explain why per-share results held up better than total profit.

Financial Health Signals

Financial health score not available

KB Home does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

KB Home passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.78x

For every $1 of reported earnings, KB Home generates $0.78 in operating cash flow ($335.7M OCF vs $428.8M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$6.2B

YoY-10.0%

5Y CAGR+8.3%

10Y CAGR+7.5%

KB Home generated $6.2B in revenue in fiscal year 2025. This represents a decrease of 10.0% from the prior year.

Net Income

$428.8M

YoY-34.5%

5Y CAGR+7.7%

10Y CAGR+17.6%

KB Home reported $428.8M in net income in fiscal year 2025. This represents a decrease of 34.5% from the prior year.

EPS (Diluted)

$6.15

YoY-27.2%

5Y CAGR+14.5%

10Y CAGR+21.9%

KB Home earned $6.15 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 27.2% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$287.3M

YoY-11.2%

5Y CAGR+0.4%

KB Home generated $287.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 11.2% from the prior year.

Cash & Debt

$230.4M

YoY-61.5%

5Y CAGR-19.5%

10Y CAGR-8.5%

KB Home held $230.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$1.00

YoY+5.3%

KB Home paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 5.3% from the prior year.

Shares Outstanding

63M

YoY-12.4%

5Y CAGR-7.2%

10Y CAGR-3.7%

KB Home had 63M shares outstanding in fiscal year 2025. This represents a decrease of 12.4% from the prior year.

Margins & Returns

Net Margin

6.9%

YoY-2.6pp

5Y CAGR-0.2pp

10Y CAGR+4.1pp

KB Home's net profit margin was 6.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.6 percentage points from the prior year.

Return on Equity

11.0%

YoY-5.1pp

5Y CAGR-0.1pp

10Y CAGR+6.0pp

KB Home's ROE was 11.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 5.1 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$541.3M

YoY+53.0%

10Y CAGR+98.6%

KB Home spent $541.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 53.0% from the prior year.

Capital Expenditures

$48.4M

YoY+23.1%

5Y CAGR+10.9%

KB Home invested $48.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 23.1% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

KBH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KBH annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$5.5B	$6.2B-10.0%	$6.9B+8.1%	$6.4B-7.1%	$6.9B+20.6%	$5.7B+36.9%	$4.2B-8.1%	$4.6B+0.1%	$4.5B+4.1%	$4.4B+21.5%	$3.6B+18.6%	$3.0B+26.3%	$2.4B+14.5%	$2.1B+34.4%	$1.6B+18.6%	$1.3B
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$444.2M+4.2%	$426.4M+9.5%	$389.4M+13.5%	$343.0M+19.1%	$288.0M+12.6%	$255.8M+8.1%	$236.6M+7.3%	$220.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$345.7M+22.0%	$283.4M+86.0%	$152.4M+9.9%	$138.6M+19.5%	$116.0M+25.9%	$92.1M+554.6%	-$20.3M+80.3%	-$103.1M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0-100.0%	$622K-89.5%	$5.9M-73.0%	$21.9M-28.9%	$30.8M-50.9%	$62.7M-10.2%	$69.8M+41.9%	$49.2M
Income Tax	$77.9M	$125.4M-36.0%	$195.9M+8.2%	$181.1M-29.1%	$255.4M+95.6%	$130.6M+92.6%	$67.8M-14.6%	$79.4M-59.8%	$197.6M+80.6%	$109.4M+150.3%	$43.7M+3.1%	$42.4M+105.1%	-$823.4M-51362.5%	-$1.6M+92.0%	-$20.1M-737.5%	-$2.4M
Net Income	$272.1M	$428.8M-34.5%	$655.0M+11.0%	$590.2M-27.7%	$816.7M+44.6%	$564.7M+90.6%	$296.2M+10.2%	$268.8M+57.8%	$170.4M-5.7%	$180.6M+71.0%	$105.6M+24.8%	$84.6M-90.8%	$918.3M+2198.0%	$40.0M+167.8%	-$59.0M+67.0%	-$178.8M
EPS (Diluted)	—	$6.15-27.2%	$8.45+20.2%	$7.03-22.7%	$9.09+51.2%	$6.01+92.0%	$3.13+9.8%	$2.85+66.7%	$1.71-7.6%	$1.85+65.2%	$1.12+31.8%	$0.85-90.8%	$9.25+1910.9%	$0.46+160.5%	-$0.76+67.2%	-$2.32

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.1B+3.3%	$1.1B-36.4%	$1.7B+4.6%	$1.6B+5.9%	$1.5B+9.9%	$1.4B-30.4%	$2.0B+14.1%	$1.8B
Income Tax	$9.9M+43.5%	$6.9M-75.1%	$27.7M-17.1%	$33.4M-3.2%	$34.5M+15.8%	$29.8M-47.8%	$57.1M+14.0%	$50.1M
Net Income	$27.3M-18.2%	$33.4M-67.1%	$101.5M-7.6%	$109.8M+1.8%	$107.9M-1.5%	$109.6M-42.5%	$190.6M+21.2%	$157.3M
EPS (Diluted)	$0.43-17.3%	$0.52	N/A	$1.61+7.3%	$1.50+0.7%	$1.49	N/A	$2.04

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

KBH Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KBH annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$6.7B-3.7%	$6.9B+4.3%	$6.6B-0.1%	$6.7B+14.0%	$5.8B+9.0%	$5.4B+6.8%	$5.0B-1.1%	$5.1B+0.6%	$5.0B-1.8%	$5.1B+0.9%	$5.1B+6.9%	$4.8B+49.0%	$3.2B+24.7%	$2.6B+2.0%	$2.5B
Cash & Equivalents	$230.4M-61.5%	$599.2M-17.6%	$727.3M+120.3%	$330.2M+13.0%	$292.1M-57.2%	$682.5M+50.1%	$454.9M-20.9%	$575.1M-20.2%	$720.9M+21.6%	$593.0M+5.8%	$560.3M+56.2%	$358.8M-32.6%	$532.5M+1.3%	$525.7M+25.7%	$418.1M
Total Liabilities	$2.8B-3.3%	$2.9B+1.3%	$2.8B-5.1%	$3.0B+6.2%	$2.8B+4.7%	$2.7B+2.2%	$2.6B-11.8%	$3.0B-4.1%	$3.1B-8.6%	$3.4B+0.4%	$3.4B+7.4%	$3.2B+19.0%	$2.7B+21.6%	$2.2B+5.6%	$2.1B
Total Equity	$3.9B-3.9%	$4.1B+6.6%	$3.8B+4.1%	$3.7B+21.2%	$3.0B+13.3%	$2.7B+11.9%	$2.4B+14.2%	$2.1B+8.4%	$1.9B+11.8%	$1.7B+1.9%	$1.7B+5.9%	$1.6B+197.7%	$536.1M+42.3%	$376.8M-14.9%	$442.7M
Retained Earnings	$3.6B+11.0%	$3.3B-11.1%	$3.7B+17.0%	$3.1B+32.1%	$2.4B+27.3%	$1.9B-13.4%	$2.2B+13.0%	$1.9B+10.0%	$1.7B+11.0%	$1.6B+6.6%	$1.5B+5.4%	$1.4B+188.7%	$481.9M+7.0%	$450.3M-13.4%	$519.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$6.8B+1.1%	$6.7B+0.3%	$6.7B-4.4%	$7.0B-0.5%	$7.0B+0.5%	$7.0B+0.6%	$6.9B+1.4%	$6.8B
Cash & Equivalents	$200.8M-0.5%	$201.8M-12.4%	$230.4M-30.7%	$332.3M+6.9%	$310.9M+15.4%	$269.5M-55.0%	$599.2M+59.5%	$375.7M
Total Liabilities	$3.0B+4.6%	$2.8B+2.5%	$2.8B-9.9%	$3.1B+1.9%	$3.0B+4.9%	$2.9B+0.4%	$2.9B+0.8%	$2.9B
Total Equity	$3.8B-1.5%	$3.9B-1.2%	$3.9B0.0%	$3.9B-2.2%	$4.0B-2.5%	$4.1B+0.8%	$4.1B+1.8%	$4.0B
Retained Earnings	$3.0B-16.8%	$3.6B+0.4%	$3.6B+2.4%	$3.5B+2.7%	$3.5B+2.7%	$3.4B+2.8%	$3.3B-20.0%	$4.1B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

KBH Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KBH annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$408.1M	$335.7M-7.5%	$362.7M-66.5%	$1.1B+490.3%	$183.4M+591.8%	-$37.3M-112.0%	$310.7M+23.8%	$251.0M+13.3%	$221.5M-56.8%	$513.2M+172.0%	$188.7M+4.1%	$181.2M+128.7%	-$630.7M-42.2%	-$443.5M-1381.1%	$34.6M+110.0%	-$347.5M
Capital Expenditures	$48.6M	$48.4M+23.1%	$39.3M+10.8%	$35.5M-21.6%	$45.2M+14.8%	$39.4M+36.6%	$28.8M-28.7%	$40.5M+449.0%	$7.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	$359.5M	$287.3M-11.2%	$323.4M-69.1%	$1.0B+657.9%	$138.2M+280.2%	-$76.7M-127.2%	$281.8M+33.8%	$210.6M-1.7%	$214.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$71.7M	-$61.8M-23.3%	-$50.1M+13.7%	-$58.1M+19.1%	-$71.8M-88.5%	-$38.1M-43.4%	-$26.6M+35.1%	-$40.9M-103.6%	-$20.1M-27.7%	-$15.7M-159.0%	-$6.1M+46.2%	-$11.3M+74.8%	-$44.8M-167.4%	-$16.8M-2103.9%	-$760K-105.8%	$13.1M
Financing Cash Flow	-$446.6M	-$642.6M-45.8%	-$440.8M+29.8%	-$627.5M-752.8%	-$73.6M+76.6%	-$315.0M-458.1%	-$56.4M+82.9%	-$330.4M+4.8%	-$347.1M+6.1%	-$369.6M-146.5%	-$149.9M-573.1%	$31.7M-93.7%	$501.7M+7.4%	$467.1M+533.3%	$73.8M+147.3%	-$155.9M
Dividends Paid	$64.6M	$68.6M-4.2%	$71.6M+25.9%	$56.8M+8.3%	$52.5M-3.0%	$54.1M+42.0%	$38.1M+86.9%	$20.4M+129.1%	$8.9M+2.9%	$8.6M+0.7%	$8.6M-6.5%	$9.2M+2.3%	$9.0M+7.4%	$8.4M-21.1%	$10.6M-44.9%	$19.2M
Share Buybacks	$421.4M	$541.3M+53.0%	$353.7M-14.0%	$411.4M+174.3%	$150.0M-20.3%	$188.2M	$0	$0-100.0%	$35.0M	$0-100.0%	$85.9M+15056.6%	$567K+3.8%	$546K-93.6%	$8.5M+371.8%	$1.8M	$0

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$31.9M+125.4%	-$125.4M-141.3%	$303.8M+53.7%	$197.7M+17.4%	$168.4M+150.4%	-$334.3M-192.2%	$362.6M+503.3%	-$89.9M
Capital Expenditures	$9.7M-26.9%	$13.2M-4.1%	$13.8M+16.1%	$11.9M+3.2%	$11.5M+2.6%	$11.2M+11.3%	$10.1M+6.4%	$9.5M
Free Cash Flow	$22.2M+116.0%	-$138.6M-147.8%	$290.1M+56.1%	$185.8M+18.4%	$156.9M+145.4%	-$345.5M-198.0%	$352.6M+454.7%	-$99.4M
Investing Cash Flow	-$12.3M+31.5%	-$18.0M+8.1%	-$19.6M+10.4%	-$21.8M-123.8%	-$9.8M+8.6%	-$10.7M+11.0%	-$12.0M-30.9%	-$9.2M
Financing Cash Flow	-$20.6M-118.0%	$114.7M+129.7%	-$386.1M-149.9%	-$154.5M-31.9%	-$117.2M-868.5%	$15.3M+112.0%	-$127.2M+25.0%	-$169.5M
Dividends Paid	$15.3M-11.2%	$17.3M+9.4%	$15.8M-3.2%	$16.3M-5.3%	$17.2M-10.9%	$19.3M+7.2%	$18.0M-2.1%	$18.4M
Share Buybacks	$80.1M+60.2%	$50.0M-51.4%	$102.8M-45.4%	$188.5M-5.8%	$200.0M+300.0%	$50.0M-51.8%	$103.7M-30.9%	$150.0M

KBH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

KBH annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	7.6%+1.1pp	6.5%+2.3pp	4.2%-0.3pp	4.6%-0.3pp	4.8%+0.4pp	4.4%+5.7pp	-1.3%+6.5pp	-7.8%
Net Margin	6.9%-2.6pp	9.4%+0.2pp	9.2%-2.6pp	11.8%+2.0pp	9.9%+2.8pp	7.1%+1.2pp	5.9%+2.1pp	3.8%-0.4pp	4.1%+1.2pp	2.9%+0.1pp	2.8%-35.5pp	38.3%+36.3pp	1.9%+5.7pp	-3.8%+9.8pp	-13.6%
Return on Equity	11.0%-5.1pp	16.1%+0.6pp	15.5%-6.8pp	22.3%+3.6pp	18.7%+7.6pp	11.1%-0.2pp	11.3%+3.1pp	8.2%-1.2pp	9.4%+3.2pp	6.1%+1.1pp	5.0%-52.5pp	57.5%+50.1pp	7.4%+23.1pp	-15.7%+24.7pp	-40.4%
Return on Assets	6.4%-3.0pp	9.4%+0.6pp	8.9%-3.4pp	12.3%+2.6pp	9.7%+4.1pp	5.5%+0.2pp	5.4%+2.0pp	3.4%-0.2pp	3.6%+1.5pp	2.1%+0.4pp	1.7%-17.6pp	19.3%+18.1pp	1.3%+3.6pp	-2.3%+4.8pp	-7.1%
Debt-to-Equity	0.710.0x	0.710.0x	0.74-0.1x	0.82-0.1x	0.93-0.1x	1.01-0.1x	1.10-0.3x	1.43-0.2x	1.62-0.4x	1.980.0x	2.010.0x	1.98-3.0x	4.96-0.8x	5.80+1.1x	4.68
FCF Margin	4.6%-0.1pp	4.7%-11.7pp	16.3%+14.3pp	2.0%+3.3pp	-1.3%-8.1pp	6.7%+2.1pp	4.6%-0.1pp	4.7%	N/A	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
Net Margin	2.5%-0.6pp	3.1%-2.9pp	6.0%-0.8pp	6.8%-0.3pp	7.0%-0.8pp	7.9%-1.7pp	9.5%+0.5pp	9.0%
Return on Equity	0.7%-0.1pp	0.9%-1.7pp	2.6%-0.2pp	2.8%+0.1pp	2.7%0.0pp	2.7%-2.0pp	4.7%+0.7pp	4.0%
Return on Assets	0.4%-0.1pp	0.5%-1.0pp	1.5%0.0pp	1.6%0.0pp	1.5%0.0pp	1.6%-1.2pp	2.8%+0.5pp	2.3%
Debt-to-Equity	0.780.0x	0.740.0x	0.71-0.1x	0.790.0x	0.76+0.1x	0.710.0x	0.710.0x	0.72
FCF Margin	2.0%+14.9pp	-12.9%-30.0pp	17.1%+5.6pp	11.5%+1.2pp	10.3%+35.1pp	-24.8%-42.5pp	17.6%+23.3pp	-5.7%

Not reported in any period shown, so not listed: Gross Margin, Current Ratio.

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Frequently Asked Questions

What is KB Home's annual revenue?

KB Home (KBH) reported $6.2B in total revenue for fiscal year 2025. This represents a -10.0% 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 KB Home's revenue growing?

KB Home (KBH) revenue declined by 10.0% year-over-year, from $6.9B to $6.2B in fiscal year 2025.

Is KB Home profitable?

Yes, KB Home (KBH) reported a net income of $428.8M in fiscal year 2025, with a net profit margin of 6.9%.

What is KB Home's net profit margin?

KB Home (KBH) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does KB Home pay dividends?

Yes, KB Home (KBH) paid $1.00 per share in dividends during fiscal year 2025.

What is KB Home's return on equity (ROE)?

KB Home (KBH) has a return on equity of 11.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is KB Home's free cash flow?

KB Home (KBH) generated $287.3M in free cash flow during fiscal year 2025. This represents a -11.2% 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 KB Home's operating cash flow?

KB Home (KBH) generated $335.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are KB Home's total assets?

KB Home (KBH) had $6.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are KB Home's capital expenditures?

KB Home (KBH) invested $48.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does KB Home buy back shares?

Yes, KB Home (KBH) spent $541.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does KB Home have outstanding?

KB Home (KBH) had 63M shares outstanding as of fiscal year 2025.

What is KB Home's debt-to-equity ratio?

KB Home (KBH) had a debt-to-equity ratio of 0.71 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is KB Home's return on assets (ROA)?

KB Home (KBH) had a return on assets of 6.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is KB Home's Piotroski F-Score?

KB Home (KBH) has a Piotroski F-Score of 3 out of 6 computable signals; 3 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 KB Home's earnings high quality?

KB Home (KBH) has an earnings quality ratio of 0.78x, considered mixed 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.