What is LOBO TECHNOLOGIES LTD.'s earnings per share (EPS)?

LOBO TECHNOLOGIES LTD. (LOBO) reported diluted earnings per share of -$0.52 for fiscal year 2025. This represents a -372.7% 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.

LOBO TECHNOLOGIES LTD. (LOBO) Financials

LOBO

FY2025 annual

Revenue $23.2M +9.6% YoY

Net Income -$5.5M -573.8% YoY

EPS (Diluted) -$0.52 -372.7% YoY

Free Cash Flow -$2.1M +34.7% YoY

Market Cap $7.0M as of Oct 10, 2026

Price / Sales 0.3x on $23.2M revenue, FY2025

Price / Earnings n/m net loss, so no earnings multiple, FY2025

Price / Book 1.0x on $7.0M equity, Q4 FY2025

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 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Apr 28, 2026 Currency USD FYE December

Newest figures come from the 20-F for FY2025, filed Apr 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the LOBO SEC filings page.

LOBO TECHNOLOGIES LTD. (LOBO) reported $23.2M in revenue for fiscal year 2025, up 9.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 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 LOBO FY2025 2026-10-04

Revenue is growing, but heavier operating investment has turned a previously profitable model into one producing losses and recurring cash deficits.

Revenue reached $23.2M in FY2025, while operating margin fell to -17.5% from positive territory in FY2023. That combination, alongside operating cash flow of -$1.7M, indicates added spending—not just weak sales—absorbed the gross profit.

In FY2025, SG&A and R&D totaled $6.5M against gross profit of $3.1M, so the loss reflects an expense structure that gross profit cannot yet support. Gross margin recovered to 13.3% from 11.6%, but that improvement did not offset operating spending.

Inventory rose to $9.7M while the current ratio remained 1.4x, tying a large share of current assets to stock rather than leaving substantial flexibility. The company also reported 11.7 months of latest annual operating outflow in cash and investments, while financing cash flow was $1.4M, indicating financing contributed to funding the cash gap.

Financial Health Signals

Financial Health Score 40/100

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 LOBO TECHNOLOGIES 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.

Profitability

LOBO TECHNOLOGIES LTD. has an operating margin of -17.5%, meaning the company loses $17 on every $100 of revenue. This results in a profitability score of 14/100. This is down from -9.2% the prior year.

Growth

LOBO TECHNOLOGIES LTD.'s revenue grew 9.6% year-over-year to $23.2M, a solid pace of expansion. This earns a growth score of 84/100.

Leverage

LOBO TECHNOLOGIES LTD. carries a low D/E ratio of 0.01, meaning only $0.01 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 87/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

LOBO TECHNOLOGIES LTD.'s current ratio of 1.39 indicates adequate short-term liquidity, earning a score of 37/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

LOBO TECHNOLOGIES LTD.'s operations used $1.7M of cash, and capex of $427K added to the outflow, for a free cash flow shortfall of $2.1M. This results in a cash flow score of 11/100.

Returns

LOBO TECHNOLOGIES LTD. posts a -78.4% return on equity (ROE), meaning it loses $78 for every $100 of shareholders' equity. This results in a returns score of 9/100. This is down from -8.7% the prior year.

Altman Z-Score Distress

0.82

LOBO TECHNOLOGIES LTD. scores 0.82, below the 1.81 distress threshold. 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.

Piotroski F-Score Neutral

4/9

LOBO TECHNOLOGIES LTD. passes 4 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality No Cash Backing

N/A

LOBO TECHNOLOGIES LTD. reported a net loss of $5.5M while operations used $1.7M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Interest Coverage At Risk

N/A

LOBO TECHNOLOGIES LTD. reported an operating loss of $4.1M against $82K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.

Key Financial Metrics

Export CSV

Earnings & Revenue

None of these metrics is reported for Q4 2025.

Cash & Balance Sheet

Cash & Debt

$908K

YoY-34.2%

QoQ-36.2%

LOBO TECHNOLOGIES LTD. held $908K in cash against $95K in long-term debt as of Q4 2025, with $12.9M of liabilities due within a year.

Shares Outstanding

13M

YoY+61.5%

QoQ+5.7%

LOBO TECHNOLOGIES LTD. had 13M shares outstanding in Q4 2025. This represents an increase of 61.5% from the same quarter a year earlier. Against the prior quarter it is up 5.7%.

Free Cash Flow

Not reported for Q4 2025.

Dividends Per Share

Not reported for Q4 2025.

Margins & Returns

None of these metrics is reported for Q4 2025.

Capital Allocation

None of these metrics is reported for Q4 2025.

LOBO 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.

LOBO quarterly income statement

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F/A	FY2110-K
Revenue	$23.2M+9.6%	$21.2M+36.9%	$15.5M-15.4%	$18.3M+29.5%	$14.1M
Cost of Revenue	$20.1M+7.4%	$18.7M+41.2%	$13.3M-13.1%	$15.3M+36.4%	$11.2M
Gross Profit	$3.1M+26.0%	$2.5M+11.3%	$2.2M-27.0%	$3.0M+3.2%	$2.9M
R&D Expenses	$3.7M+124.8%	$1.7M+534.0%	$262K+15.3%	$228K+328.2%	$53K
SG&A Expenses	$2.7M+34.5%	$2.0M+291.3%	$516K-25.3%	$691K+112.7%	$325K
Operating Income	-$4.1M-108.6%	-$1.9M-337.2%	$819K-46.2%	$1.5M-32.0%	$2.2M
EBITDA	-$3.3M-256.1%	-$939K-160.9%	$1.5M-17.5%	$1.9M-20.8%	$2.4M
Interest Expense	$82K+131.0%	$36K+350.3%	$8K-52.6%	$17K+32.2%	$13K
Income Tax	$86K-28.2%	$120K-65.2%	$345K-17.4%	$417K-26.5%	$568K
Net Income	-$5.5M-573.8%	-$813K-183.8%	$970K-9.6%	$1.1M-35.0%	$1.6M
EPS (Basic)	-$0.52-372.7%	-$0.11-173.3%	$0.15-11.8%	$0.17-34.6%	$0.26
EPS (Diluted)	-$0.52-372.7%	-$0.11-173.3%	$0.15-11.8%	$0.17-34.6%	$0.26
Diluted Shares (Avg)	10M+39.6%	7M+16.8%	6M0.0%	6M0.0%	6M

Metric	Q4'2520-F	Q2'256-K	Q4'2420-F	Q2'2410-Q	Q4'2320-F/A	Q4'2210-K

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

LOBO Balance Sheet

LOBO quarterly balance sheet

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F/A	FY2110-K
Total Assets	$20.5M-14.7%	$24.0M+22.1%	$19.7M+16.1%	$16.9M	N/A
Current Assets	$17.8M-15.9%	$21.2M+31.7%	$16.1M+15.5%	$13.9M	N/A
Cash & Equivalents	$908K-34.2%	$1.4M+193.3%	$470K+157.3%	$183K-70.2%	$614K
Short-Term Investments	$748K	$0-100.0%	$57K+133.9%	$24K	$0
Inventory	$9.7M+12.9%	$8.6M+49.8%	$5.7M+50.4%	$3.8M	N/A
Accounts Receivable	$3.1M+106.2%	$1.5M-40.5%	$2.5M-17.1%	$3.1M	N/A
Long-Term Investments	$0	$0	$0	$0-100.0%	$1.6M
Total Liabilities	$13.5M-8.1%	$14.7M+6.6%	$13.8M+16.3%	$11.9M	N/A
Current Liabilities	$12.9M-7.6%	$13.9M+4.2%	$13.3M+16.1%	$11.5M	N/A
Non-Current Liabilities	$657K-16.9%	$791K+75.3%	$451K+24.5%	$362K	N/A
Long-Term Debt	$95K-59.6%	$237K+67.9%	$141K	N/A	N/A
Total Equity	$7.0M-25.0%	$9.3M+64.9%	$5.7M+16.2%	$4.9M+56.2%	$3.1M
Retained Earnings	-$3.8M-688.4%	$645K-74.1%	$2.5M+53.7%	$1.6M	N/A

Metric	Q4'2520-F	Q2'256-K	Q4'2420-F	Q2'2410-Q	Q4'2320-F/A	Q4'2210-K
Total Assets	$20.5M-14.7%	$21.3M-13.0%	$24.0M+22.1%	$24.5M	$19.7M+16.1%	$16.9M
Current Assets	$17.8M-15.9%	$18.9M-7.4%	$21.2M+31.7%	$20.4M	$16.1M+15.5%	$13.9M
Cash & Equivalents	$908K-34.2%	$1.4M+27.7%	$1.4M+193.3%	$1.1M	$470K+157.3%	$183K
Short-Term Investments	$748K	$0-100.0%	$0-100.0%	$184K	$57K+133.9%	$24K
Inventory	$9.7M+12.9%	$10.5M+18.2%	$8.6M+49.8%	$8.9M	$5.7M+50.4%	$3.8M
Accounts Receivable	$3.1M+106.2%	$2.5M+6.8%	$1.5M-40.5%	$2.3M	$2.5M-17.1%	$3.1M
Long-Term Investments	$0	$0	$0	$0	$0	$0
Total Liabilities	$13.5M-8.1%	$12.7M-22.6%	$14.7M+6.6%	$16.4M	$13.8M+16.3%	$11.9M
Current Liabilities	$12.9M-7.6%	$12.1M-22.5%	$13.9M+4.2%	$15.6M	$13.3M+16.1%	$11.5M
Non-Current Liabilities	$657K-16.9%	$585K-24.2%	$791K+75.3%	$771K	$451K+24.5%	$362K
Long-Term Debt	$95K-59.6%	$169K+22.6%	$237K+67.9%	$138K	$141K	N/A
Total Equity	$7.0M-25.0%	$8.6M+9.1%	$9.3M+64.9%	$7.9M	$5.7M+16.2%	$4.9M
Retained Earnings	-$3.8M-688.4%	-$1.1M-150.2%	$645K-74.1%	$2.1M	$2.5M+53.7%	$1.6M

Not reported in any period shown, so not listed: Goodwill.

LOBO Cash Flow Statement

LOBO quarterly cash flow statement

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F/A	FY2110-K
Operating Cash Flow	-$1.7M+42.0%	-$2.9M-107.2%	-$1.4M-19.9%	-$1.2M-166.2%	$1.8M
Depreciation & Amortization	$710K-29.2%	$1.0M+38.9%	$723K+108.2%	$347K+184.9%	$122K
Capital Expenditures	$427K+31.3%	$325K+3.5%	$314K-59.6%	$778K+6989.4%	$11K
Free Cash Flow	-$2.1M+34.7%	-$3.3M-88.4%	-$1.7M+11.7%	-$2.0M-210.4%	$1.8M
Investing Cash Flow	-$686K-141.5%	-$284K-146.2%	$615K+162.6%	-$981K+60.4%	-$2.5M
Financing Cash Flow	$1.4M-70.5%	$4.6M+320.9%	$1.1M-36.5%	$1.7M+39.5%	$1.2M

Metric	Q4'2520-F	Q2'256-K	Q4'2420-F	Q2'2410-Q	Q4'2320-F/A	Q4'2210-K

Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.

LOBO 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.

LOBO quarterly financial ratios

Metric	FY2520-F	FY2420-F	FY2320-F	FY2220-F/A	FY2110-K
Gross Margin	13.3%+1.7pp	11.6%-2.7pp	14.3%-2.3pp	16.5%-4.2pp	20.8%
Operating Margin	-17.5%-8.3pp	-9.2%-14.5pp	5.3%-3.0pp	8.3%-7.5pp	15.8%
Net Margin	-23.6%-19.8pp	-3.8%-10.1pp	6.3%+0.4pp	5.9%-5.8pp	11.7%
Return on Equity	-78.4%-69.7pp	-8.7%-25.9pp	17.2%-4.9pp	22.0%-30.9pp	52.9%
Return on Assets	-26.7%-23.3pp	-3.4%-8.3pp	4.9%-1.4pp	6.3%	N/A
Current Ratio	1.39-0.1x	1.52+0.3x	1.210.0x	1.21	N/A
Debt-to-Equity	0.010.0x	0.030.0x	0.02-2.4x	2.44	N/A
Asset Turnover	1.13+0.3x	0.88+0.1x	0.79-0.3x	1.08	N/A
FCF Margin	-9.2%+6.2pp	-15.4%-4.2pp	-11.2%-0.5pp	-10.7%-23.3pp	12.6%

Metric	Q4'2520-F	Q2'256-K	Q4'2420-F	Q2'2410-Q	Q4'2320-F/A	Q4'2210-K
Current Ratio	1.39-0.1x	1.56+0.3x	1.52+0.3x	1.31	1.210.0x	1.21
Debt-to-Equity	0.010.0x	0.020.0x	0.030.0x	0.02	0.02-2.4x	2.44

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, 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
LOBO TECHNOLOGIES LTD. LOBO	FY2025	$23.2M	-$5.5M	-23.6%	$7.0M	40/100
Azio AI Holdings, Inc. EVTV	FY2025	$5.9M	-$3.3M	-56.3%	$29.9M	37/100
ECD AUTOMOTIVE DESIGN NEW ECDA	FY2024	$25.2M	-$10.8M	-42.8%	$333K	—
AYRO, Inc. AYRO	FY2025	N/A	$21.1M	N/A	$4.5M	—
Fly-E Group, Inc. FLYE	FY2026	$19.1M	-$9.3M	-48.6%	$3.8M	28/100
Chijet Motor Company, Inc. CJET	FY2025	N/A	-$30.1M	N/A	$3.8M	—

Where LOBO TECHNOLOGIES LTD. Ranks

Frequently Asked Questions

What is LOBO TECHNOLOGIES LTD.'s annual revenue?

LOBO TECHNOLOGIES LTD. (LOBO) reported $23.2M in total revenue for fiscal year 2025. This represents a 9.6% 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 LOBO TECHNOLOGIES LTD.'s revenue growing?

LOBO TECHNOLOGIES LTD. (LOBO) revenue grew by 9.6% year-over-year, from $21.2M to $23.2M in fiscal year 2025.

Is LOBO TECHNOLOGIES LTD. profitable?

No, LOBO TECHNOLOGIES LTD. (LOBO) reported a net income of -$5.5M in fiscal year 2025, with a net profit margin of -23.6%.

What is LOBO TECHNOLOGIES LTD.'s EBITDA?

LOBO TECHNOLOGIES LTD. (LOBO) had EBITDA of -$3.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does LOBO TECHNOLOGIES LTD. have?

As of fiscal year 2025, LOBO TECHNOLOGIES LTD. (LOBO) had $908K in cash and equivalents against $95K in long-term debt.

What is LOBO TECHNOLOGIES LTD.'s gross margin?

LOBO TECHNOLOGIES LTD. (LOBO) had a gross margin of 13.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is LOBO TECHNOLOGIES LTD.'s operating margin?

LOBO TECHNOLOGIES LTD. (LOBO) had an operating margin of -17.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is LOBO TECHNOLOGIES LTD.'s net profit margin?

LOBO TECHNOLOGIES LTD. (LOBO) had a net profit margin of -23.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is LOBO TECHNOLOGIES LTD.'s return on equity (ROE)?

LOBO TECHNOLOGIES LTD. (LOBO) has a return on equity of -78.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is LOBO TECHNOLOGIES LTD.'s free cash flow?

LOBO TECHNOLOGIES LTD. (LOBO) recorded an outflow of $2.1M in free cash flow during fiscal year 2025. This represents a 34.7% 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 LOBO TECHNOLOGIES LTD.'s operating cash flow?

LOBO TECHNOLOGIES LTD. (LOBO) recorded an outflow of $1.7M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are LOBO TECHNOLOGIES LTD.'s total assets?

LOBO TECHNOLOGIES LTD. (LOBO) had $20.5M in total assets as of fiscal year 2025, including both current and long-term assets.

What are LOBO TECHNOLOGIES LTD.'s capital expenditures?

LOBO TECHNOLOGIES LTD. (LOBO) invested $427K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does LOBO TECHNOLOGIES LTD. spend on research and development?

LOBO TECHNOLOGIES LTD. (LOBO) invested $3.7M in research and development during fiscal year 2025.

How many shares does LOBO TECHNOLOGIES LTD. have outstanding?

LOBO TECHNOLOGIES LTD. (LOBO) had 13M shares outstanding as of fiscal year 2025.

What is LOBO TECHNOLOGIES LTD.'s current ratio?

LOBO TECHNOLOGIES LTD. (LOBO) had a current ratio of 1.39 as of fiscal year 2025, which is considered adequate.

What is LOBO TECHNOLOGIES LTD.'s debt-to-equity ratio?

LOBO TECHNOLOGIES LTD. (LOBO) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is LOBO TECHNOLOGIES LTD.'s return on assets (ROA)?

LOBO TECHNOLOGIES LTD. (LOBO) had a return on assets of -26.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is LOBO TECHNOLOGIES LTD.'s P/E ratio?

LOBO TECHNOLOGIES LTD. (LOBO) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2025). The market capitalization is $7.0M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is LOBO TECHNOLOGIES LTD.'s price-to-sales ratio?

LOBO TECHNOLOGIES LTD. (LOBO) trades at 0.3x sales, its market capitalization divided by revenue of $23.2M revenue, FY2025. The market capitalization is $7.0M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

How does LOBO TECHNOLOGIES LTD.'s liquidity compare with its operating cash outflow?

At the end of fiscal year 2025, LOBO TECHNOLOGIES LTD. (LOBO) held $1.7M in cash, cash equivalents and investments, and reported an operating cash outflow of $1.7M over that year. Dividing the one by the other, the reported balance equals about 12 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 LOBO TECHNOLOGIES LTD.'s Altman Z-Score?

LOBO TECHNOLOGIES LTD. (LOBO) has an Altman Z-Score of 0.82, 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 LOBO TECHNOLOGIES LTD.'s Piotroski F-Score?

LOBO TECHNOLOGIES LTD. (LOBO) has a Piotroski F-Score of 4 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are LOBO TECHNOLOGIES LTD.'s earnings high quality?

LOBO TECHNOLOGIES LTD. (LOBO) reported a net loss of $5.5M while operations used $1.7M 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.

Can LOBO TECHNOLOGIES LTD. cover its interest payments?

LOBO TECHNOLOGIES LTD. (LOBO) reported an operating loss of $4.1M against $82K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 LOBO TECHNOLOGIES LTD.?

LOBO TECHNOLOGIES LTD. (LOBO) scores 40 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.