Macys Inc Financials

Source SEC Filings (10-K/10-Q) Updated Nov 1, 2025 Currency USD FYE February

This page shows Macys Inc (M) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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).

Financial Health Signals

Financial Profile 39/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Macys Inc has an operating margin of 4.0%, meaning the company retains $4 of operating profit per $100 of revenue. This below-average margin results in a low score of 20/100, suggesting thin profitability after operating expenses. This is up from 1.3% the prior year.

Growth

Macys Inc's revenue declined 3.6% year-over-year, from $23.9B to $23.0B. This contraction results in a growth score of 18/100.

Leverage

Macys Inc carries a low D/E ratio of 0.62, meaning only $0.62 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 88/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Macys Inc's current ratio of 1.43 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

Macys Inc's free cash flow margin of 3.3% results in a low score of 17/100. Capital expenditures of $518.0M absorb a large share of operating cash flow.

Returns

Macys Inc's ROE of 13.1% shows moderate profitability relative to equity, earning a score of 52/100. This is up from 1.1% the prior year.

Piotroski F-Score Neutral

6/9

Macys Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.20x

For every $1 of reported earnings, Macys Inc generates $2.20 in operating cash flow ($1.3B OCF vs $582.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

5.8x

Macys Inc earns $5.8 in operating income for every $1 of interest expense ($909.0M vs $158.0M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

Export CSV

Revenue

$23.0B

YoY-3.6%

5Y CAGR-1.3%

10Y CAGR-2.0%

Macys Inc generated $23.0B in revenue in fiscal year 2025. This represents a decrease of 3.6% from the prior year.

EBITDA

$1.8B

YoY+49.4%

5Y CAGR-1.7%

10Y CAGR-7.3%

Macys Inc's EBITDA was $1.8B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 49.4% from the prior year.

Free Cash Flow

$760.0M

YoY+12.8%

5Y CAGR+1.5%

10Y CAGR-8.9%

Macys Inc generated $760.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 12.8% from the prior year.

Net Income

$582.0M

YoY+1193.3%

5Y CAGR+0.6%

10Y CAGR-9.2%

Macys Inc reported $582.0M in net income in fiscal year 2025. This represents an increase of 1193.3% from the prior year.

EPS (Diluted)

$2.07

YoY+1193.8%

5Y CAGR+2.7%

10Y CAGR-6.9%

Macys Inc earned $2.07 per diluted share (EPS) in fiscal year 2025. This represents an increase of 1193.8% from the prior year.

Cash & Debt

$932.0M

YoY+6.4%

5Y CAGR-9.4%

10Y CAGR-4.7%

Macys Inc held $932.0M in cash against $2.8B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.69

YoY+4.5%

5Y CAGR-14.5%

Macys Inc paid $0.69 per share in dividends in fiscal year 2025. This represents an increase of 4.5% from the prior year.

Shares Outstanding

278M

YoY+1.3%

5Y CAGR-2.2%

10Y CAGR-2.0%

Macys Inc had 278M shares outstanding in fiscal year 2025. This represents an increase of 1.3% from the prior year.

Gross Margin

40.3%

YoY-0.1pp

5Y CAGR+2.1pp

10Y CAGR+0.3pp

Macys Inc's gross margin was 40.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.1 percentage points from the prior year.

Operating Margin

4.0%

YoY+2.7pp

5Y CAGR+0.0pp

10Y CAGR-6.0pp

Macys Inc's operating margin was 4.0% in fiscal year 2025, reflecting core business profitability. This is up 2.7 percentage points from the prior year.

Net Margin

2.5%

YoY+2.3pp

5Y CAGR+0.2pp

10Y CAGR-2.9pp

Macys Inc's net profit margin was 2.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.3 percentage points from the prior year.

Return on Equity

13.1%

YoY+12.0pp

5Y CAGR-7.8pp

10Y CAGR-16.2pp

Macys Inc's ROE was 13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 12.0 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$1.0M

YoY-97.4%

5Y CAGR+0.0%

10Y CAGR-53.0%

Macys Inc spent $1.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 97.4% from the prior year.

Capital Expenditures

$518.0M

YoY-17.9%

5Y CAGR-10.5%

10Y CAGR-3.9%

Macys Inc invested $518.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 17.9% from the prior year.

M Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$23.0B-3.6%	$23.9B-6.2%	$25.4B+0.2%	$25.4B+46.4%	$17.3B-29.4%	$24.6B
Cost of Revenue	$13.7B-3.4%	$14.2B-7.3%	$15.3B+2.5%	$15.0B+21.9%	$12.3B-19.0%	$15.2B
Gross Profit	$9.3B-3.9%	$9.6B-4.6%	$10.1B-3.1%	$10.4B+106.1%	$5.1B-46.1%	$9.4B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.3B-0.5%	$8.4B-1.0%	$8.5B+3.8%	$8.2B+20.5%	$6.8B-24.8%	$9.0B
Operating Income	$909.0M+202.0%	$301.0M-82.2%	$1.7B-27.7%	$2.3B+152.2%	-$4.5B-561.3%	$970.0M
Interest Expense	$158.0M-7.1%	$170.0M-2.9%	$175.0M-31.6%	$256.0M-9.9%	$284.0M+38.5%	$205.0M
Income Tax	$181.0M+9150.0%	-$2.0M-100.6%	$331.0M-23.4%	$432.0M+151.1%	-$846.0M-615.9%	$164.0M
Net Income	$582.0M+1193.3%	$45.0M-96.1%	$1.1B-19.2%	$1.4B+136.0%	-$3.9B-799.3%	$564.0M
EPS (Diluted)	$2.07+1193.8%	$0.16-96.1%	$4.08-9.7%	$4.52+135.6%	$-12.68-800.6%	$1.81

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q3'23	Q2'23
Revenue	$4.9B-1.7%	$5.0B+4.3%	$4.8B-2.2%	$4.9B-3.8%	$5.1B+1.9%	$5.0B-0.8%	$5.0B-4.6%	$5.3B
Cost of Revenue	$2.9B-1.6%	$2.9B+3.8%	$2.8B-2.4%	$2.9B-2.5%	$2.9B-0.3%	$2.9B+1.4%	$2.9B-8.4%	$3.2B
Gross Profit	$2.1B-2.0%	$2.1B+5.1%	$2.0B-2.0%	$2.0B-5.5%	$2.2B+5.1%	$2.1B-3.7%	$2.1B+1.2%	$2.1B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.0B+4.1%	$1.9B+1.6%	$1.9B-7.3%	$2.1B+4.6%	$2.0B+3.2%	$1.9B-6.3%	$2.0B+3.0%	$2.0B
Operating Income	$42.0M-71.8%	$149.0M+58.5%	$94.0M+46.9%	$64.0M-71.2%	$222.0M+77.6%	$125.0M+50.6%	$83.0M-35.2%	$128.0M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	-$6.0M-121.4%	$28.0M-6.7%	$30.0M+328.6%	$7.0M-84.4%	$45.0M+25.0%	$36.0M+1700.0%	$2.0M+128.6%	-$7.0M
Net Income	$11.0M-87.4%	$87.0M+128.9%	$38.0M+35.7%	$28.0M-81.3%	$150.0M+141.9%	$62.0M+51.2%	$41.0M+315.8%	-$19.0M
EPS (Diluted)	$0.04-87.1%	$0.31+138.5%	$0.13+30.0%	$0.10-81.1%	$0.53+140.9%	$0.22+46.7%	$0.15+314.3%	$-0.07

M Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$16.1B-2.2%	$16.4B-2.5%	$16.9B-0.6%	$17.0B-6.1%	$18.1B-2.7%	$18.6B
Current Assets	$6.3B+0.5%	$6.3B+7.0%	$5.9B-6.1%	$6.2B-13.9%	$7.2B+1.5%	$7.1B
Cash & Equivalents	$932.0M+6.4%	$876.0M+45.3%	$603.0M-10.3%	$672.0M-62.6%	$1.8B+18.1%	$1.5B
Inventory	$4.7B-0.5%	$4.7B+1.7%	$4.6B-7.0%	$5.0B+17.2%	$4.2B-14.1%	$4.9B
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M-1.2%	$838.0M
Total Liabilities	$11.6B-5.9%	$12.4B-3.0%	$12.7B-6.9%	$13.7B-11.1%	$15.4B-3.0%	$15.9B
Current Liabilities	$4.4B-5.7%	$4.7B-2.7%	$4.8B-13.7%	$5.5B+0.5%	$5.5B-4.4%	$5.8B
Long-Term Debt	$2.8B-7.3%	$3.0B+0.1%	$3.0B+0.1%	$3.0B-35.5%	$4.6B+25.6%	$3.7B
Total Equity	$4.5B+9.0%	$4.1B-1.0%	$4.1B+25.8%	$3.3B+22.5%	$2.7B-0.8%	$2.7B
Retained Earnings	N/A	$6.1B	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q3'23	Q2'23
Total Assets	$17.1B+9.7%	$15.6B-3.3%	$16.1B-7.0%	$17.3B+9.0%	$15.9B-3.5%	$16.4B-9.3%	$18.1B+11.2%	$16.3B
Current Assets	$7.4B+26.8%	$5.8B-7.4%	$6.3B-13.2%	$7.2B+26.2%	$5.7B-8.3%	$6.3B-11.6%	$7.1B+34.4%	$5.3B
Cash & Equivalents	$447.0M-46.1%	$829.0M-11.1%	$932.0M+195.9%	$315.0M-51.2%	$646.0M-26.3%	$876.0M+140.7%	$364.0M-16.9%	$438.0M
Inventory	$6.3B+45.0%	$4.3B-6.9%	$4.7B-25.5%	$6.3B+42.9%	$4.4B-6.6%	$4.7B-22.2%	$6.0B+45.9%	$4.1B
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M0.0%	$828.0M
Total Liabilities	$12.7B+14.7%	$11.1B-4.6%	$11.6B-11.5%	$13.1B+12.7%	$11.7B-5.6%	$12.4B-11.8%	$14.0B+15.6%	$12.1B
Current Liabilities	$5.9B+39.6%	$4.2B-3.8%	$4.4B-24.0%	$5.8B+44.2%	$4.0B-13.9%	$4.7B-23.4%	$6.1B+45.2%	$4.2B
Long-Term Debt	$2.4B-7.4%	$2.6B-5.5%	$2.8B0.0%	$2.8B-7.3%	$3.0B0.0%	$3.0B0.0%	$3.0B0.0%	$3.0B
Total Equity	$4.3B-2.8%	$4.5B0.0%	$4.5B+7.3%	$4.1B-1.3%	$4.2B+2.9%	$4.1B-0.4%	$4.1B-1.6%	$4.2B
Retained Earnings	$6.5B	N/A	N/A	$6.1B-2.2%	$6.2B+1.6%	$6.1B-1.5%	$6.2B	N/A

M Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.3B-2.1%	$1.3B-19.2%	$1.6B-40.4%	$2.7B+317.9%	$649.0M-59.6%	$1.6B
Capital Expenditures	$518.0M-17.9%	$631.0M-28.9%	$888.0M+150.8%	$354.0M+4.7%	$338.0M-62.5%	$902.0M
Free Cash Flow	$760.0M+12.8%	$674.0M-7.3%	$727.0M-69.2%	$2.4B+658.2%	$311.0M-55.9%	$706.0M
Investing Cash Flow	-$592.0M+35.2%	-$913.0M+21.9%	-$1.2B-215.9%	-$370.0M-13.8%	-$325.0M+67.6%	-$1.0B
Financing Cash Flow	-$413.0M-87.7%	-$220.0M+83.0%	-$1.3B+45.6%	-$2.4B-440.6%	$699.0M+162.2%	-$1.1B
Dividends Paid	$192.0M+6.1%	$181.0M+4.6%	$173.0M+92.2%	$90.0M-23.1%	$117.0M-74.9%	$466.0M
Share Buybacks	$1.0M-97.4%	$38.0M-93.7%	$601.0M+20.2%	$500.0M+49900.0%	$1.0M0.0%	$1.0M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q3'23	Q2'23
Operating Cash Flow	-$8.0M-102.5%	$319.0M+598.4%	-$64.0M+61.7%	-$167.0M-2187.5%	$8.0M-93.8%	$129.0M+214.2%	-$113.0M-168.1%	$166.0M
Capital Expenditures	$93.0M+17.7%	$79.0M-21.0%	$100.0M-21.9%	$128.0M+9.4%	$117.0M-24.0%	$154.0M+62.1%	$95.0M-45.7%	$175.0M
Free Cash Flow	-$101.0M-142.1%	$240.0M+246.3%	-$164.0M+44.4%	-$295.0M-170.6%	-$109.0M-336.0%	-$25.0M+88.0%	-$208.0M-2211.1%	-$9.0M
Investing Cash Flow	-$163.0M-26.4%	-$129.0M+3.0%	-$133.0M-62.2%	-$82.0M+47.4%	-$156.0M+28.1%	-$217.0M-17.3%	-$185.0M+29.1%	-$261.0M
Financing Cash Flow	-$212.0M+27.6%	-$293.0M-64.6%	-$178.0M-117.1%	-$82.0M0.0%	-$82.0M-17.1%	-$70.0M-131.3%	$224.0M+420.0%	-$70.0M
Dividends Paid	$49.0M0.0%	$49.0M-3.9%	$51.0M+6.3%	$48.0M0.0%	$48.0M0.0%	$48.0M+6.7%	$45.0M0.0%	$45.0M
Share Buybacks	$51.0M-1.9%	$52.0M-46.4%	$97.0M	$0	$0	$0	$0-100.0%	$3.0M

M Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	40.3%-0.1pp	40.4%+0.7pp	39.7%-1.4pp	41.1%+11.9pp	29.2%-9.1pp	38.2%
Operating Margin	4.0%+2.7pp	1.3%-5.4pp	6.6%-2.5pp	9.2%+35.0pp	-25.8%-29.8pp	4.0%
Net Margin	2.5%+2.3pp	0.2%-4.3pp	4.5%-1.1pp	5.6%+28.3pp	-22.7%-25.0pp	2.3%
Return on Equity	13.1%+12.0pp	1.1%-26.7pp	27.8%-15.5pp	43.3%	N/A	20.9%
Return on Assets	3.6%+3.4pp	0.3%-6.5pp	6.8%-1.6pp	8.4%+30.2pp	-21.8%-24.9pp	3.0%
Current Ratio	1.43+0.1	1.35+0.1	1.22+0.1	1.12-0.2	1.31+0.1	1.24
Debt-to-Equity	0.62-0.1	0.730.0	0.73-0.2	0.91-0.8	1.74+0.4	1.37
FCF Margin	3.3%+0.5pp	2.8%-0.0pp	2.9%-6.4pp	9.3%+7.5pp	1.8%-1.1pp	2.9%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q3'23	Q2'23
Gross Margin	41.9%-0.1pp	42.0%+0.3pp	41.7%+0.1pp	41.6%-0.8pp	42.4%+1.3pp	41.1%-1.3pp	42.3%+2.4pp	39.9%
Operating Margin	0.9%-2.1pp	3.0%+1.0pp	2.0%+0.6pp	1.3%-3.0pp	4.4%+1.9pp	2.5%+0.9pp	1.7%-0.8pp	2.4%
Net Margin	0.2%-1.5pp	1.7%+0.9pp	0.8%+0.2pp	0.6%-2.4pp	2.9%+1.7pp	1.2%+0.4pp	0.8%+1.2pp	-0.4%
Return on Equity	0.3%-1.7pp	1.9%+1.1pp	0.9%+0.2pp	0.7%-2.9pp	3.6%+2.1pp	1.5%+0.5pp	1.0%	N/A
Return on Assets	0.1%-0.5pp	0.6%+0.3pp	0.2%+0.1pp	0.2%-0.8pp	0.9%+0.6pp	0.4%+0.1pp	0.2%+0.3pp	-0.1%
Current Ratio	1.25-0.1	1.38-0.1	1.43+0.2	1.26-0.2	1.43+0.1	1.35+0.2	1.17-0.1	1.26
Debt-to-Equity	0.56-0.0	0.59-0.0	0.62-0.0	0.67-0.0	0.71-0.0	0.730.0	0.73+0.0	0.72
FCF Margin	-2.1%-6.9pp	4.8%+8.2pp	-3.4%+2.6pp	-6.0%-3.9pp	-2.1%-1.6pp	-0.5%+3.6pp	-4.1%-4.0pp	-0.2%

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Frequently Asked Questions

What is Macys Inc's annual revenue?

Macys Inc (M) reported $23.0B in total revenue for fiscal year 2025. This represents a -3.6% 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 Macys Inc's revenue growing?

Macys Inc (M) revenue declined by 3.6% year-over-year, from $23.9B to $23.0B in fiscal year 2025.

Is Macys Inc profitable?

Yes, Macys Inc (M) reported a net income of $582.0M in fiscal year 2025, with a net profit margin of 2.5%.

What is Macys Inc's earnings per share (EPS)?

Macys Inc (M) reported diluted earnings per share of $2.07 for fiscal year 2025. This represents a 1193.8% 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.

What is Macys Inc's EBITDA?

Macys Inc (M) had EBITDA of $1.8B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Macys Inc have?

As of fiscal year 2025, Macys Inc (M) had $932.0M in cash and equivalents against $2.8B in long-term debt.

What is Macys Inc's gross margin?

Macys Inc (M) had a gross margin of 40.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Macys Inc's operating margin?

Macys Inc (M) had an operating margin of 4.0% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Macys Inc's net profit margin?

Macys Inc (M) had a net profit margin of 2.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Macys Inc pay dividends?

Yes, Macys Inc (M) paid $0.69 per share in dividends during fiscal year 2025.

What is Macys Inc's return on equity (ROE)?

Macys Inc (M) has a return on equity of 13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Macys Inc's free cash flow?

Macys Inc (M) generated $760.0M in free cash flow during fiscal year 2025. This represents a 12.8% 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 Macys Inc's operating cash flow?

Macys Inc (M) generated $1.3B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Macys Inc's total assets?

Macys Inc (M) had $16.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Macys Inc's capital expenditures?

Macys Inc (M) invested $518.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Macys Inc buy back shares?

Yes, Macys Inc (M) spent $1.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Macys Inc have outstanding?

Macys Inc (M) had 278M shares outstanding as of fiscal year 2025.

What is Macys Inc's current ratio?

Macys Inc (M) had a current ratio of 1.43 as of fiscal year 2025, which is considered adequate.

What is Macys Inc's debt-to-equity ratio?

Macys Inc (M) had a debt-to-equity ratio of 0.62 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Macys Inc's return on assets (ROA)?

Macys Inc (M) had a return on assets of 3.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Macys Inc's Piotroski F-Score?

Macys Inc (M) has a Piotroski F-Score of 6 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Macys Inc's earnings high quality?

Macys Inc (M) has an earnings quality ratio of 2.20x, 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 Macys Inc cover its interest payments?

Macys Inc (M) has an interest coverage ratio of 5.8x, 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 Macys Inc?

Macys Inc (M) scores 39 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.