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 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2027, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KBR SEC filings page.
KBR, Inc. (KBR) reported $7.7B in revenue over the twelve months to Jul 3, 2026, down 3.6% 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).
KBR is turning a nearly flat revenue base into more profit and cash, while its balance sheet carries materially more debt.
From FY2024 to FY2025, revenue was nearly flat at$7.8B while operating margin reached10.0% , showing that the latest earnings improvement came mainly from better conversion of sales rather than faster top-line growth. Cash conversion strengthened alongside that margin expansion: free-cash-flow margin reached6.6% and operating cash flow reached$557M , indicating the improvement appeared in cash generation, not only reported earnings.
Leverage increased: debt-to-equity rose to 1.7x in FY2025 from 0.8x in FY2022, so the stronger operating performance coexists with a more debt-dependent balance sheet. The current ratio improved to 1.2x, meaning higher leverage has not coincided with weaker measured short-term coverage.
Operating cash flow of
Financial Health Signals
Scored against operating 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 KBR, 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.
KBR, Inc. has an operating margin of 10.0%, meaning the company retains $10 of operating profit per $100 of revenue. This results in a moderate score of 63/100, indicating healthy but not exceptional operating efficiency. This is up from 8.6% the prior year.
KBR, Inc.'s revenue grew a modest 1.0% year-over-year to $7.8B. This slow but positive growth earns a score of 53/100.
KBR, Inc. has a moderate D/E ratio of 1.69. This balance of debt and equity financing earns a leverage score of 30/100.
KBR, Inc.'s current ratio of 1.22 is below the typical benchmark, resulting in a score of 29/100. This tight liquidity could limit financial flexibility if cash inflows slow.
KBR, Inc. has a free cash flow margin of 6.6%, earning a moderate score of 48/100. The company generates positive cash flow after capital investments, but with room for improvement.
KBR, Inc. earns a strong 27.6% return on equity (ROE), meaning it generates $28 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 76/100. This is up from 25.8% the prior year.
KBR, Inc. scores 2.53, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
KBR, Inc. passes 8 of 9 financial strength tests. 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, KBR, Inc. generates $1.34 in operating cash flow ($557.0M OCF vs $415.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
KBR, Inc. earns $4.92 in operating income for every $1 of interest expense ($778.0M vs $158.0M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
KBR, Inc. generated $2.0B in revenue in Q2 2027. This represents an increase of 1.6% from the same quarter a year earlier. Against the prior quarter it is up 3.2%.
KBR, Inc.'s EBITDA was $214.0M in Q2 2027, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 10.5% from the same quarter a year earlier. Against the prior quarter it is down 3.2%.
KBR, Inc. reported $96.0M in net income in Q2 2027. This represents an increase of 31.5% from the same quarter a year earlier. Against the prior quarter it is down 5.9%.
KBR, Inc. earned $0.75 per diluted share (EPS) in Q2 2027. This represents an increase of 33.9% from the same quarter a year earlier. Against the prior quarter it is down 6.3%.
Cash & Balance Sheet
KBR, Inc. generated $34.0M in free cash flow in Q2 2027, representing cash available after capex. This represents a decrease of 82.7% from the same quarter a year earlier. Against the prior quarter it is down 65.3%.
KBR, Inc. held $312.0M in cash against $2.5B in long-term debt as of Q2 2027.
KBR, Inc. paid $0.17 per share in dividends in Q2 2027. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
KBR, Inc.'s gross margin was 14.8% in Q2 2027, indicating the percentage of revenue retained after direct costs. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.0 percentage points.
KBR, Inc.'s operating margin was 8.7% in Q2 2027, reflecting core business profitability. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.7 percentage points.
KBR, Inc.'s net profit margin was 4.8% in Q2 2027, showing the share of revenue converted to profit. This is up 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
KBR, Inc.'s ROE was 5.9% in Q2 2027, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.
Capital Allocation
KBR, Inc. spent $25.0M on share buybacks in Q2 2027, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 47.9% from the same quarter a year earlier. Against the prior quarter it is up 525.0%.
KBR, Inc. invested $16.0M in capex in Q2 2027, funding long-term assets and infrastructure. This represents an increase of 14.3% from the same quarter a year earlier. Against the prior quarter it is up 33.3%.
Not reported for Q2 2027.
KBR 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 | Q2'2710-Q | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.0B+1.6% | $1.9B-4.7% | $1.9B-10.6% | $1.9B-0.3% | $2.0B+5.7% | $2.0B+11.0% | $2.1B+21.8% | $1.9B+9.4% |
| Cost of Revenue | $1.7B+1.7% | $1.7B-3.5% | $1.6B-12.2% | $1.7B+0.9% | $1.7B+5.4% | $1.7B+9.4% | $1.8B+21.7% | $1.6B+7.9% |
| Gross Profit | $293.0M+1.0% | $265.0M-11.7% | $290.0M-0.3% | $270.0M-6.9% | $290.0M+7.4% | $300.0M+21.0% | $291.0M+22.8% | $290.0M+18.9% |
| SG&A Expenses | $143.0M-2.1% | $133.0M-5.0% | $143.0M-6.5% | $149.0M+6.4% | $146.0M+13.2% | $140.0M+15.7% | $153.0M+30.8% | $140.0M+10.2% |
| Operating Income | $172.0M-11.3% | $180.0M-10.9% | $191.0M+36.4% | $191.0M+10.4% | $194.0M+7.8% | $202.0M+21.7% | $140.0M-5.4% | $173.0M+17.7% |
| EBITDA | $214.0M-10.5% | $221.0M-9.1% | $231.0M+25.5% | $234.0M+9.3% | $239.0M+11.2% | $243.0M+20.3% | $184.0M-0.5% | $214.0M+18.2% |
| Interest Expense | $35.0M-14.6% | $37.0M-9.8% | $37.0M-15.9% | $39.0M+5.4% | $41.0M+28.1% | $41.0M+32.3% | $44.0M+46.7% | $37.0M+23.3% |
| Income Tax | $38.0M-2.6% | $40.0M-7.0% | $40.0M+81.8% | $34.0M+6.3% | $39.0M-2.5% | $43.0M+22.9% | $22.0M-15.4% | $32.0M+39.1% |
| Net Income | $96.0M+31.5% | $102.0M-12.1% | $111.0M+46.1% | $115.0M+15.0% | $73.0M-31.1% | $116.0M+24.7% | $76.0M+261.9% | $100.0M+576.2% |
| EPS (Basic) | $0.75+33.9% | $0.80-9.1% | $0.88+54.4% | $0.90+20.0% | $0.56-29.1% | $0.88+27.5% | $0.57+307.1% | $0.75+568.8% |
| EPS (Diluted) | $0.75+33.9% | $0.80-9.1% | $0.88+54.4% | $0.90+20.0% | $0.56-29.1% | $0.88+27.5% | $0.57+307.1% | $0.75+568.8% |
| Diluted Shares (Avg) | 127M-1.6% | 127M-3.8% | N/A | 128M-3.8% | 129M-3.7% | 132M-2.2% | N/A | 133M-1.5% |
Not reported in any period shown, so not listed: R&D Expenses.
KBR 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 | Q2'2710-Q | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.7B-1.9% | $6.6B-3.2% | $6.6B-1.2% | $6.6B-0.2% | $6.8B+2.0% | $6.8B+2.8% | $6.7B+19.7% | $6.7B+11.6% |
| Current Assets | $2.0B-5.4% | $1.9B-5.3% | $2.1B+9.5% | $2.1B+6.3% | $2.1B+14.6% | $2.1B+18.6% | $1.9B+13.4% | $2.0B-6.3% |
| Cash & Equivalents | $312.0M-22.6% | $380.0M-14.0% | $500.0M+46.2% | $539.0M+16.7% | $403.0M-2.7% | $442.0M+40.8% | $342.0M+12.5% | $462.0M+32.8% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $50.0M | $49.0M | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $2.7B-0.9% | $2.7B+1.1% | $2.7B+1.8% | $2.7B+4.7% | $2.7B+27.6% | $2.6B+25.3% | $2.6B+24.7% | $2.6B+22.2% |
| Total Liabilities | $5.0B-5.3% | $5.0B-7.0% | $5.1B-2.4% | $5.2B-1.7% | $5.3B+21.8% | $5.4B+28.9% | $5.2B+24.6% | $5.3B+19.5% |
| Current Liabilities | $1.7B-7.2% | $1.7B-9.3% | $1.7B-5.3% | $1.8B-3.1% | $1.9B+12.3% | $1.9B+17.6% | $1.8B+13.4% | $1.8B-14.1% |
| Non-Current Liabilities | $3.3B-4.2% | $3.4B-5.8% | $3.4B-0.9% | $3.4B-0.9% | $3.4B+27.7% | $3.6B+35.6% | $3.4B+31.4% | $3.4B+50.8% |
| Long-Term Debt | $2.5B-2.6% | $2.5B-6.3% | $2.5B+0.6% | $2.6B-0.1% | $2.6B+35.3% | $2.7B+46.9% | $2.5B+40.6% | $2.6B+68.9% |
| Total Equity | $1.6B+10.0% | $1.6B+11.8% | $1.5B+3.4% | $1.5B-2.6% | $1.5B+6.1% | $1.4B+0.6% | $1.5B+5.1% | $1.5B-3.3% |
| Retained Earnings | $1.9B+22.5% | $1.8B+21.7% | $1.7B+24.1% | $1.6B+22.6% | $1.5B+22.9% | $1.5B+27.6% | $1.4B+27.5% | $1.3B+22.6% |
Not reported in any period shown, so not listed: Inventory, Accounts Receivable.
KBR 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 | Q2'2710-Q | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $50.0M-76.2% | $110.0M+12.2% | $51.0M-3.8% | $198.0M+29.4% | $210.0M+27.3% | $98.0M+7.7% | $53.0M-36.1% | $153.0M+482.5% |
| Depreciation & Amortization | $42.0M-6.7% | $41.0M0.0% | $40.0M-9.1% | $43.0M+4.9% | $45.0M+28.6% | $41.0M+13.9% | $44.0M+18.9% | $41.0M+20.6% |
| Capital Expenditures | $16.0M+14.3% | $12.0M+500.0% | $18.0M+12.5% | $8.0M-33.3% | $14.0M+1300.0% | $2.0M-92.0% | $16.0M+700.0% | $12.0M-45.5% |
| Free Cash Flow | $34.0M-82.7% | $98.0M+2.1% | $33.0M-10.8% | $190.0M+34.8% | $196.0M+19.5% | $96.0M+45.5% | $37.0M-54.3% | $141.0M+327.4% |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A | -$9.0M-181.8% | -$25.0M+7.4% | -$759.0M-3350.0% |
| Financing Cash Flow | N/A | -$43.0M-616.7% | N/A | N/A | N/A | -$6.0M+93.4% | -$101.0M+7.3% | $633.0M+610.5% |
| Dividends Paid | $21.0M0.0% | $21.0M+5.0% | $21.0M+5.0% | $22.0M+10.0% | $21.0M0.0% | $20.0M+11.1% | $20.0M+5.3% | $20.0M+11.1% |
| Share Buybacks | $25.0M-47.9% | $4.0M-97.4% | $25.0M-51.0% | $100.0M+1011.1% | $48.0M-50.5% | $156.0M+155.7% | $51.0M+5000.0% | $9.0M |
Not reported in any period shown, so not listed: Stock-Based Compensation.
KBR 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 | Q2'2710-Q | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 14.8%-0.1pp | 13.8%-1.1pp | 15.4%+1.6pp | 14.0%-1.0pp | 14.9%+0.2pp | 14.9%+1.2pp | 13.8%+0.1pp | 15.0%+1.2pp |
| Operating Margin | 8.7%-1.3pp | 9.4%-0.6pp | 10.1%+3.5pp | 9.9%+1.0pp | 9.9%+0.2pp | 10.0%+0.9pp | 6.6%-1.9pp | 8.9%+0.6pp |
| Net Margin | 4.8%+1.1pp | 5.3%-0.5pp | 5.9%+2.3pp | 6.0%+0.8pp | 3.7%-2.0pp | 5.8%+0.6pp | 3.6%+2.4pp | 5.2%+6.3pp |
| Return on Equity | 5.9%+1.0pp | 6.4%-1.8pp | 7.4%+2.2pp | 7.9%+1.2pp | 4.9%-2.7pp | 8.2%+1.6pp | 5.2%+3.7pp | 6.7%+8.0pp |
| Return on Assets | 1.4%+0.4pp | 1.5%-0.1pp | 1.7%+0.5pp | 1.7%+0.2pp | 1.1%-0.5pp | 1.7%+0.3pp | 1.1%+0.8pp | 1.5%+1.8pp |
| Current Ratio | 1.150.0x | 1.160.0x | 1.22+0.2x | 1.18+0.1x | 1.130.0x | 1.110.0x | 1.050.0x | 1.07+0.1x |
| Debt-to-Equity | 1.53-0.2x | 1.60-0.3x | 1.690.0x | 1.750.0x | 1.73+0.4x | 1.91+0.6x | 1.74+0.4x | 1.70+0.7x |
| Asset Turnover | 0.300.0x | 0.290.0x | 0.290.0x | 0.290.0x | 0.290.0x | 0.290.0x | 0.320.0x | 0.290.0x |
| FCF Margin | 1.7%-8.3pp | 5.1%+0.3pp | 1.8%0.0pp | 9.8%+2.6pp | 10.0%+1.2pp | 4.8%+1.1pp | 1.8%-2.9pp | 7.3%+10.8pp |
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 |
|---|---|---|---|---|---|---|
| KBR, Inc. KBR | FY2025 | $7.8B | $415.0M | 5.3% | $4.5B | 50/100 |
| Fluor Corporation FLR | FY2025 | $15.5B | -$51.0M | -0.3% | $6.7B | 38/100 |
| Primoris Services Corporation PRIM | FY2025 | $7.6B | $274.9M | 3.6% | $4.4B | 63/100 |
| IES Holdings, Inc. IESC | FY2025 | $3.4B | $306.0M | 9.1% | $11.9B | 71/100 |
| Construction Partners, Inc. ROAD | FY2025 | $2.8B | $101.8M | 3.6% | $4.9B | 54/100 |
| Dycom Industries, Inc. DY | FY2026 | $5.5B | $281.0M | 5.1% | $8.1B | 38/100 |
Where KBR, Inc. Ranks
Frequently Asked Questions
What is KBR, Inc.'s annual revenue?
KBR, Inc. (KBR) reported $7.8B in total revenue for fiscal year 2025. This represents a 1.0% 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 KBR, Inc.'s revenue growing?
KBR, Inc. (KBR) revenue grew by 1.0% year-over-year, from $7.7B to $7.8B in fiscal year 2025.
Is KBR, Inc. profitable?
Yes, KBR, Inc. (KBR) reported a net income of $415.0M in fiscal year 2025, with a net profit margin of 5.3%.
What is KBR, Inc.'s EBITDA?
KBR, Inc. (KBR) had EBITDA of $947.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does KBR, Inc. have?
As of fiscal year 2025, KBR, Inc. (KBR) had $500.0M in cash and equivalents against $2.5B in long-term debt.
What is KBR, Inc.'s gross margin?
KBR, Inc. (KBR) had a gross margin of 14.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is KBR, Inc.'s operating margin?
KBR, Inc. (KBR) had an operating margin of 10.0% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is KBR, Inc.'s net profit margin?
KBR, Inc. (KBR) had a net profit margin of 5.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does KBR, Inc. pay dividends?
Yes, KBR, Inc. (KBR) paid $0.66 per share in dividends during fiscal year 2025.
What is KBR, Inc.'s return on equity (ROE)?
KBR, Inc. (KBR) has a return on equity of 27.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is KBR, Inc.'s free cash flow?
KBR, Inc. (KBR) generated $515.0M in free cash flow during fiscal year 2025. This represents a 25.6% 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 KBR, Inc.'s operating cash flow?
KBR, Inc. (KBR) generated $557.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are KBR, Inc.'s total assets?
KBR, Inc. (KBR) had $6.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are KBR, Inc.'s capital expenditures?
KBR, Inc. (KBR) invested $42.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is KBR, Inc.'s current ratio?
KBR, Inc. (KBR) had a current ratio of 1.22 as of fiscal year 2025, which is considered adequate.
What is KBR, Inc.'s debt-to-equity ratio?
KBR, Inc. (KBR) had a debt-to-equity ratio of 1.69 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is KBR, Inc.'s return on assets (ROA)?
KBR, Inc. (KBR) had a return on assets of 6.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is KBR, Inc.'s P/E ratio?
KBR, Inc. (KBR) trades at 10.5x earnings, its market capitalization divided by net income of $424.0M net income, trailing 12 months to July 3, 2026. The market capitalization is $4.5B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is KBR, Inc.'s price-to-sales ratio?
KBR, Inc. (KBR) trades at 0.6x sales, its market capitalization divided by revenue of $7.7B revenue, trailing 12 months to July 3, 2026. The market capitalization is $4.5B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is KBR, Inc.'s Altman Z-Score?
KBR, Inc. (KBR) has an Altman Z-Score of 2.53, placing it in the Grey Zone (moderate 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 KBR, Inc.'s Piotroski F-Score?
KBR, Inc. (KBR) has a Piotroski F-Score of 8 out of 9, indicating strong 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 KBR, Inc.'s earnings high quality?
KBR, Inc. (KBR) has an earnings quality ratio of 1.34x, 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 KBR, Inc. cover its interest payments?
KBR, Inc. (KBR) has an interest coverage ratio of 4.92x, meaning it can adequately 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 KBR, Inc.?
KBR, Inc. (KBR) scores 50 out of 100 on our Financial Health Score, indicating moderate 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.