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 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LFWD SEC filings page.
Lifeward Ltd. (LFWD) reported $21.8M in revenue over the twelve months to Jun 30, 2026, down 10.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 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).
The business is delivering improving gross economics, yet operating losses and a shrinking equity base keep growth dependent on outside financing.
FY2025 revenue fell14.1% while gross profit rose2.6% , indicating that improvement came from lower cost intensity or mix rather than expanding sales. Gross margin widened6.2 percentage points , yet the company still posted an operating loss of$19.7M because the improvement did not cover overhead.
Net loss was
Liabilities reached
Financial Health Signals
Scored against emerging 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 Lifeward Ltd.'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.
Lifeward Ltd. held $2.2M in cash, cash equivalents and investments at the end of fiscal year 2025, and its operations used $16.8M of cash that year. Cash Runway ranks emerging companies on the size of that balance against the outflow behind it, and Lifeward Ltd. scores 7/100 among other emerging companies.
Lifeward Ltd. had 2M shares outstanding at the end of fiscal year 2025. Dilution ranks emerging companies on how fast that count has grown over three years, where a slower rise is the better one, and Lifeward Ltd. scores 98/100 among other emerging companies.
Lifeward Ltd. spent $3.2M on research and development in fiscal year 2025, which was 7.8% of its operating costs that year. R&D Intensity ranks emerging companies on the share of operating costs that goes into research, and Lifeward Ltd. scores 31/100 among other emerging companies.
Lifeward Ltd. reported revenue of $22.0M in fiscal year 2025, against $25.7M in fiscal year 2024. Revenue Progress ranks emerging companies on the three-year path of that line, and Lifeward Ltd. scores 69/100 among other emerging companies.
Lifeward Ltd.'s operations used $16.8M of cash in fiscal year 2025, against $21.7M used in fiscal year 2024. Burn Trend ranks emerging companies on which way that figure has moved over three years, and Lifeward Ltd. scores 58/100 among other emerging companies.
Lifeward Ltd.'s cash, cash equivalents and investments came to $2.2M at the end of fiscal year 2025, against $14.5M of total liabilities. Balance Sheet ranks emerging companies on that comparison, and Lifeward Ltd. scores 23/100 among other emerging companies.
Lifeward Ltd. scores -18.37, below the 1.81 distress threshold. The score is pulled down most by an accumulated deficit of $284.7M against total assets of $22.9M. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Lifeward Ltd. passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
Lifeward Ltd. reported a net loss of $19.9M while operations used $16.8M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Lifeward Ltd. generated $6.6M in revenue in Q2 2026. This represents an increase of 15.7% from the same quarter a year earlier. Against the prior quarter it is up 68.8%.
Lifeward Ltd.'s EBITDA was -$8.9M in Q2 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.
Lifeward Ltd. reported a net loss of $11.5M in Q2 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
Lifeward Ltd. recorded an outflow of $6.0M in free cash flow in Q2 2026, representing a cash shortfall after capex. 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.
Lifeward Ltd. held $9.4M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
Lifeward Ltd.'s gross margin was 40.9% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.7 percentage points.
Lifeward Ltd.'s operating margin was -62.7% in Q2 2026, reflecting core business profitability. No change is given against Q2 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Lifeward Ltd.'s quarterly ROE was -94.3% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 50.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 77.3 percentage points.
Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Lifeward Ltd. invested $1.8M in research and development in Q2 2026. This represents an increase of 128.7% from the same quarter a year earlier. Against the prior quarter it is down 70.0%.
Lifeward Ltd. invested $8K in capex in Q2 2026, funding long-term assets and infrastructure. 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.
Not reported for Q2 2026.
LFWD 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.6M+15.7% | $3.9M-22.1% | $5.1M-32.7% | $6.2M+1.1% | $5.7M-14.7% | $5.0M-4.7% | $7.5M+9.6% | $6.1M+39.2% |
| Cost of Revenue | $3.9M+21.8% | $2.6M-11.4% | $4.0M-30.0% | $3.5M-10.7% | $3.2M-18.7% | $2.9M-25.1% | $5.7M+28.4% | $3.9M+10.4% |
| Gross Profit | $2.7M+7.9% | $1.3M-36.8% | $1.1M-41.0% | $2.7M+21.9% | $2.5M-8.9% | $2.1M+52.1% | $1.8M-24.5% | $2.2M+157.2% |
| R&D Expenses | $1.8M+128.7% | $5.8M+536.7% | $843K-25.5% | $721K-27.8% | $767K-36.3% | $918K-28.9% | $1.1M-14.2% | $998K-20.9% |
| SG&A Expenses | $5.1M-7.5% | $5.8M-3.6% | $5.4M-12.8% | $5.1M+16.6% | $5.5M-7.9% | $6.1M-8.3% | $6.1M-15.4% | $4.4M-41.7% |
| Operating Income | -$4.2Mn/m | -$10.3Mn/m | -$5.1Mn/m | -$3.1Mn/m | -$6.6Mn/m | -$4.9Mn/m | -$15.2Mn/m | -$3.2Mn/m |
| EBITDA | -$8.9Mn/m | -$5.3Mn/m | -$5.0Mn/m | -$3.1Mn/m | -$6.5Mn/m | -$4.8Mn/m | -$14.3Mn/m | -$2.2Mn/m |
| Interest Expense | $7.1M | $416K | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | $10Kn/m | $6K-45.5% | -$73K-2533.3% | $7K-75.9% | $0-100.0% | $11K+83.3% | $3Kn/m | $29Kn/m |
| Net Income | -$11.5Mn/m | -$10.8Mn/m | -$5.3Mn/m | -$3.2Mn/m | -$6.6Mn/m | -$4.8Mn/m | -$15.3Mn/m | -$3.1Mn/m |
| EPS (Basic) | -$4.12 | -$6.70 | N/A | -$0.20 | -$7.01 | -$5.53 | -$1.75 | -$0.35 |
| EPS (Diluted) | -$4.12 | -$6.70 | N/A | -$0.20 | -$7.01 | -$5.53 | -$1.75 | -$0.35 |
| Diluted Shares (Avg) | 3M | 2M | N/A | 16M | 935,785 | 873,845 | N/A | 9M |
LFWD 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $35.0M+30.7% | $33.4M+16.0% | $22.9M-24.9% | $23.2M-49.4% | $26.8M-47.5% | $28.8M-47.8% | $30.5M-51.8% | $45.8M-33.9% |
| Current Assets | $25.9M+25.3% | $25.6M+29.0% | $15.8M-25.8% | $17.3M-32.3% | $20.7M-30.1% | $19.8M-39.6% | $21.3M-45.7% | $25.6M-42.3% |
| Cash & Equivalents | $9.4M+83.8% | $11.4M+99.4% | $2.2M-67.8% | $2.0M-81.6% | $5.1M-66.0% | $5.7M-72.4% | $6.7M-76.0% | $10.7M-67.3% |
| Short-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Inventory | $6.2M-19.3% | $6.3M-8.1% | $5.7M-14.7% | $7.1M-2.6% | $7.6M+6.0% | $6.8M+12.3% | $6.7M+18.9% | $7.3M+20.8% |
| Accounts Receivable | $7.9M+34.1% | $5.7M+9.7% | $6.1M+2.2% | $6.1M+4.8% | $5.9M+11.3% | $5.2M+48.0% | $6.0M+92.4% | $5.8M+65.6% |
| Long-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Goodwill | $4.8M0.0% | $4.8M-36.9% | $4.8M-36.9% | $4.8M-36.9% | $4.8M-36.9% | $7.5M0.0% | $7.5M0.0% | $7.5M0.0% |
| Total Liabilities | $22.8M+95.3% | $27.1M+162.0% | $14.5M+24.5% | $10.4M-12.3% | $11.7M-18.4% | $10.4M-29.1% | $11.6M-30.2% | $11.9M-31.9% |
| Current Liabilities | $11.2M+7.7% | $10.6M+17.2% | $12.0M+17.7% | $9.1M-6.3% | $10.4M+3.9% | $9.1M-10.1% | $10.2M-13.3% | $9.7M-24.6% |
| Non-Current Liabilities | $11.6M+789.4% | $16.5M+1186.5% | $2.5M+73.6% | $1.4M-38.7% | $1.3M-69.8% | $1.3M-71.6% | $1.4M-71.1% | $2.2M-52.0% |
| Total Equity | $12.2M-19.2% | $6.3M-65.9% | $8.4M-55.4% | $12.8M-62.4% | $15.1M-58.8% | $18.5M-54.6% | $18.8M-59.5% | $33.9M-34.5% |
| Retained Earnings | -$307.1Mn/m | -$295.5Mn/m | -$284.7Mn/m | -$279.4Mn/m | -$276.2Mn/m | -$269.7Mn/m | -$264.8Mn/m | -$249.5Mn/m |
Not reported in any period shown, so not listed: Long-Term Debt.
LFWD 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$6.0Mn/m | -$3.7Mn/m | -$3.6Mn/m | -$3.8Mn/m | -$3.9Mn/m | -$5.5Mn/m | -$4.0Mn/m | -$4.5Mn/m |
| Depreciation & Amortization | -$4.8M-5538.6% | $5.0M+5462.2% | $72K-92.5% | $83K-91.4% | $88K-90.8% | $90K-90.6% | $966K+1.8% | $966K+16.2% |
| Stock-Based Compensation | N/A | $177K-19.5% | N/A | N/A | N/A | $220K-42.3% | N/A | N/A |
| Capital Expenditures | $8Kn/m | $0-100.0% | $11Kn/m | $0n/m | $0n/m | $5Kn/m | $0-100.0% | $0-100.0% |
| Free Cash Flow | -$6.0Mn/m | -$3.7Mn/m | -$3.6Mn/m | -$3.8Mn/m | -$3.9Mn/m | -$5.5Mn/m | -$4.0Mn/m | -$4.5Mn/m |
| Investing Cash Flow | -$28Kn/m | $6.5Mn/m | -$11Kn/m | $0n/m | $0n/m | -$5Kn/m | $0n/m | $0n/m |
| Financing Cash Flow | $4.1M+23.4% | $6.4M+43.6% | $3.8Mn/m | $646Kn/m | $3.3Mn/m | $4.5Mn/m | $0n/m | $0n/m |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
LFWD 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 40.9%-3.0pp | 34.2%-7.9pp | 21.4%-3.0pp | 43.7%+7.5pp | 43.9%+2.8pp | 42.1%+15.7pp | 24.4%-11.0pp | 36.2%+16.6pp |
| Operating Margin | -62.7% | -263.5% | -100.7% | -50.7%+1.1pp | -114.7% | -96.4% | -201.8% | -51.8% |
| Net Margin | -173.9% | -275.1% | -105.3% | -51.2%-0.8pp | -114.6% | -96.0% | -202.5% | -50.3% |
| Return on Equity | -94.3%-50.9pp | -171.6%-145.4pp | -63.6%+17.4pp | -24.9%-15.8pp | -43.4%-31.7pp | -26.2%-10.7pp | -81.1%-68.9pp | -9.1%+5.4pp |
| Return on Assets | -32.9%-8.4pp | -32.3%-15.5pp | -23.4%+26.8pp | -13.7%-6.9pp | -24.5%-16.1pp | -16.8%-5.4pp | -50.1%-41.2pp | -6.7%+4.1pp |
| Current Ratio | 2.33+0.3x | 2.40+0.2x | 1.31-0.8x | 1.92-0.7x | 2.00-1.0x | 2.18-1.1x | 2.08-1.2x | 2.65-0.8x |
| Liabilities-to-Equity | 1.87+1.1x | 4.31+3.8x | 1.72+1.1x | 0.82+0.5x | 0.77+0.4x | 0.56+0.2x | 0.62+0.3x | 0.350.0x |
| Asset Turnover | 0.190.0x | 0.12-0.1x | 0.220.0x | 0.27+0.1x | 0.21+0.1x | 0.17+0.1x | 0.25+0.1x | 0.13+0.1x |
| FCF Margin | -90.8%-22.0pp | -93.7% | -70.2%-17.6pp | -62.0%+10.7pp | -68.8%+15.0pp | -109.2% | -52.6%+13.7pp | -72.8% |
Not reported in any period shown, so not listed: Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin, FCF 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 |
|---|---|---|---|---|---|---|
| Lifeward Ltd. LFWD | FY2025 | $22.0M | -$19.9M | -90.4% | $17.2M | 48/100 |
| PAVmed Inc. PAVM | FY2025 | $71K | $401K | N/A | $16.4M | — |
| BIOMERICA INC BMRA | FY2026 | $4.5M | -$3.8M | -84.8% | $7.7M | 45/100 |
| HeartSciences Inc. HSCS | FY2026 | $4K | -$9.1M | N/A | $15.4M | — |
Where Lifeward Ltd. Ranks
Frequently Asked Questions
What is Lifeward Ltd.'s annual revenue?
Lifeward Ltd. (LFWD) reported $22.0M in total revenue for fiscal year 2025. This represents a -14.1% 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 Lifeward Ltd.'s revenue growing?
Lifeward Ltd. (LFWD) revenue declined by 14.1% year-over-year, from $25.7M to $22.0M in fiscal year 2025.
Is Lifeward Ltd. profitable?
No, Lifeward Ltd. (LFWD) reported a net loss of $30.8M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net loss of $19.9M, with a net profit margin of -90.4%.
What is Lifeward Ltd.'s EBITDA?
Lifeward Ltd. (LFWD) had EBITDA of -$19.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Lifeward Ltd.'s gross margin?
Lifeward Ltd. (LFWD) had a gross margin of 38.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Lifeward Ltd.'s operating margin?
Lifeward Ltd. (LFWD) had an operating margin of -89.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Lifeward Ltd.'s net profit margin?
Lifeward Ltd. (LFWD) had a net profit margin of -90.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Lifeward Ltd.'s return on equity (ROE)?
Lifeward Ltd. (LFWD) has a return on equity of -236.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Lifeward Ltd.'s free cash flow?
Lifeward Ltd. (LFWD) recorded an outflow of $16.8M 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 Lifeward Ltd.'s operating cash flow?
Lifeward Ltd. (LFWD) recorded an outflow of $16.8M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Lifeward Ltd.'s total assets?
Lifeward Ltd. (LFWD) had $22.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Lifeward Ltd.'s capital expenditures?
Lifeward Ltd. (LFWD) invested $16K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Lifeward Ltd. spend on research and development?
Lifeward Ltd. (LFWD) invested $3.2M in research and development during fiscal year 2025.
What is Lifeward Ltd.'s current ratio?
Lifeward Ltd. (LFWD) had a current ratio of 1.31 as of fiscal year 2025, which is considered adequate.
What is Lifeward Ltd.'s liabilities-to-equity ratio?
Lifeward Ltd. (LFWD) had a liabilities-to-equity ratio of 1.72 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 Lifeward Ltd.'s return on assets (ROA)?
Lifeward Ltd. (LFWD) had a return on assets of -87.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Lifeward Ltd.'s P/E ratio?
Lifeward Ltd. (LFWD) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $17.2M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Lifeward Ltd.'s price-to-sales ratio?
Lifeward Ltd. (LFWD) trades at 0.8x sales, its market capitalization divided by $21.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $17.2M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
How does Lifeward Ltd.'s liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, Lifeward Ltd. (LFWD) held $2.2M in cash, cash equivalents and investments, and reported an operating cash outflow of $16.8M over that year. Dividing the one by the other, the reported balance equals about 2 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
What is Lifeward Ltd.'s Altman Z-Score?
Lifeward Ltd. (LFWD) has an Altman Z-Score of -18.37, placing it in the Distress Zone (elevated 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 Lifeward Ltd.'s Piotroski F-Score?
Lifeward Ltd. (LFWD) has a Piotroski F-Score of 5 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 Lifeward Ltd.'s earnings high quality?
Lifeward Ltd. (LFWD) reported a net loss of $19.9M while operations used $16.8M of cash. With neither figure positive, 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.
How financially healthy is Lifeward Ltd.?
Lifeward Ltd. (LFWD) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its emerging companies peer group. The score is the average of six dimensions (Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, Balance Sheet), 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.