Mercado Libre, Inc (MELI) Financials
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 3, 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 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MELI SEC filings page.
Mercado Libre, Inc (MELI) reported $35.2B in revenue over the twelve months to Jun 30, 2026, up 46.0% 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).
MercadoLibre is scaling rapidly, converting sales into substantial cash, while 2025 growth brought narrower margins and a larger balance sheet.
In 2025, free cash flow reached$10.8B against net income of$2.0B , showing cash generation far exceeded bottom-line earnings. FCF margin rose to37.3% from34.0% even as net margin fell, indicating stronger cash conversion alongside weaker reported profitability.
Revenue expanded
Liabilities grew
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 Mercado Libre, 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.
Mercado Libre, Inc has an operating margin of 11.1%, meaning the company retains $11 of operating profit per $100 of revenue. This strong profitability earns a score of 72/100, reflecting efficient cost management and pricing power. This is down from 12.7% the prior year.
Mercado Libre, Inc's revenue surged 39.1% year-over-year to $28.9B, reflecting rapid business expansion. This strong growth earns a score of 92/100.
Mercado Libre, Inc carries a low D/E ratio of 0.68, meaning only $0.68 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 74/100, indicating a strong balance sheet with room for future borrowing.
Mercado Libre, Inc's current ratio of 1.17 is below the typical benchmark, resulting in a score of 27/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Mercado Libre, Inc converts 37.3% of revenue into free cash flow ($10.8B). This strong cash generation earns a score of 96/100.
Mercado Libre, Inc earns a strong 29.6% return on equity (ROE), meaning it generates $30 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 86/100. This is down from 43.9% the prior year.
Mercado Libre, Inc scores 2.69, placing it in the grey zone between 1.81 and 2.99. The score is driven primarily by a large market capitalization ($86.0B) relative to total liabilities ($35.9B). 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.
Mercado Libre, Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Mercado Libre, Inc generates $6.07 in operating cash flow ($12.1B OCF vs $2.0B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Mercado Libre, Inc generated $10.2B in revenue in Q2 2026. This represents an increase of 49.8% from the same quarter a year earlier. Against the prior quarter it is up 15.0%.
Mercado Libre, Inc's EBITDA was $975.0M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 4.8% from the same quarter a year earlier. Against the prior quarter it is up 13.8%.
Mercado Libre, Inc reported $466.0M in net income in Q2 2026. This represents a decrease of 10.9% from the same quarter a year earlier. Against the prior quarter it is up 11.8%.
Mercado Libre, Inc earned $9.19 per diluted share (EPS) in Q2 2026. This represents a decrease of 10.9% from the same quarter a year earlier. Against the prior quarter it is up 11.7%.
Cash & Balance Sheet
Mercado Libre, Inc generated $3.2B in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 22.5% from the same quarter a year earlier. Against the prior quarter it is up 78.5%.
Mercado Libre, Inc held $3.6B in cash against $10.6B in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Mercado Libre, Inc's gross margin was 40.9% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 4.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.8 percentage points.
Mercado Libre, Inc's operating margin was 6.7% in Q2 2026, reflecting core business profitability. This is down 5.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.
Mercado Libre, Inc's net profit margin was 4.6% in Q2 2026, showing the share of revenue converted to profit. This is down 3.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Mercado Libre, Inc's ROE was 5.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 3.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Capital Allocation
Mercado Libre, Inc invested $729.0M in research and development in Q2 2026. This represents an increase of 28.6% from the same quarter a year earlier. Against the prior quarter it is up 4.3%.
Mercado Libre, Inc invested $441.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 53.7% from the same quarter a year earlier. Against the prior quarter it is up 62.7%.
Not reported for Q2 2026.
MELI 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-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.2B+49.8% | $8.8B+49.0% | $8.8B+44.6% | $7.4B+39.5% | $6.8B+33.8% | $5.9B+37.0% | $6.1B+37.4% | $5.3B+35.3% |
| Cost of Revenue | $6.0B+62.6% | $5.0B+57.5% | $5.0B+50.3% | $4.2B+46.2% | $3.7B+36.5% | $3.2B+37.0% | $3.3B+40.3% | $2.9B+56.8% |
| Gross Profit | $4.2B+34.4% | $3.9B+39.4% | $3.8B+37.7% | $3.2B+31.6% | $3.1B+30.8% | $2.8B+36.9% | $2.7B+34.1% | $2.4B+16.4% |
| R&D Expenses | $729.0M+28.6% | $699.0M+26.9% | $584.0M+14.1% | $567.0M+12.5% | $567.0M+23.3% | $551.0M+20.3% | $512.0M-25.4% | $504.0M+27.3% |
| SG&A Expenses | $340.0M+30.3% | $326.0M+27.8% | $292.0M+15.0% | $270.0M-11.5% | $261.0M+19.7% | $255.0M+37.1% | $254.0M+26.4% | $305.0M+55.6% |
| Operating Income | $683.0M-17.2% | $611.0M-19.9% | $889.0M+8.4% | $724.0M+30.0% | $825.0M+13.6% | $763.0M+44.5% | $820.0M+144.8% | $557.0M-29.0% |
| EBITDA | $975.0M-4.8% | $857.0M-8.3% | $1.1B+15.9% | $933.0M+30.7% | $1.0B+16.4% | $935.0M+37.1% | $972.0M+106.8% | $714.0M-22.4% |
| Income Tax | $140.0M-27.5% | $162.0M-23.6% | $225.0M+81.5% | $215.0M+74.8% | $193.0M+40.9% | $212.0M+54.7% | $124.0M+90.8% | $123.0M-28.5% |
| Net Income | $466.0M-10.9% | $417.0M-15.6% | $559.0M-12.5% | $421.0M+6.0% | $523.0M-1.5% | $494.0M+43.6% | $639.0M+287.3% | $397.0M+10.6% |
| EPS (Basic) | $9.19-10.9% | $8.23-15.5% | $11.03-12.5% | $8.32+6.3% | $10.31-1.6% | $9.74+43.7% | $12.60+286.5% | $7.83+9.1% |
| EPS (Diluted) | $9.19-10.9% | $8.23-15.5% | $11.03-12.5% | $8.32+6.3% | $10.31-1.6% | $9.74+43.7% | $12.60+287.7% | $7.83+9.4% |
| Diluted Shares (Avg) | 51M0.0% | 51M0.0% | N/A | 51M0.0% | 51M0.0% | 51M0.0% | N/A | 51M+1.0% |
Not reported in any period shown, so not listed: Interest Expense.
MELI 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-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $51.4B+55.9% | $46.9B+69.5% | $42.7B+69.3% | $36.7B+62.2% | $32.9B+64.5% | $27.7B+45.2% | $25.2B+43.1% | $22.6B+40.3% |
| Current Assets | $40.8B+56.5% | $37.1B+70.8% | $33.6B+66.7% | $28.8B+61.6% | $26.1B+58.2% | $21.7B+40.2% | $20.1B+41.2% | $17.8B+36.6% |
| Cash & Equivalents | $3.6B+21.3% | $3.7B+23.5% | $3.7B+39.3% | $2.6B+19.4% | $3.0B+6.7% | $3.0B+15.4% | $2.6B+3.1% | $2.2B-0.4% |
| Short-Term Investments | $2.1B-55.1% | $2.0B-61.2% | $2.6B-41.4% | $3.7B-17.6% | $4.6B+13.8% | $5.1B+38.4% | $4.5B+28.9% | $4.5B+35.9% |
| Inventory | $822.0M+89.4% | $677.0M+89.1% | $570.0M+92.6% | $532.0M+65.2% | $434.0M+68.9% | $358.0M+60.5% | $296.0M+24.4% | $322.0M+30.9% |
| Accounts Receivable | $418.0M+33.5% | $370.0M+41.8% | $369.0M+44.7% | $298.0M+38.0% | $313.0M+64.7% | $261.0M+53.5% | $255.0M+63.5% | $216.0M+34.2% |
| Long-Term Investments | $1.7B+23.6% | $1.7B+28.4% | $1.8B+46.6% | $1.3B+9.0% | $1.4B+233.7% | $1.3B+430.5% | $1.2B+642.6% | $1.2B+722.8% |
| Goodwill | $168.0M+5.0% | $165.0M+6.5% | $163.0M+9.4% | $161.0M+8.1% | $160.0M+7.4% | $155.0M-1.9% | $149.0M-8.6% | $149.0M-6.3% |
| Total Liabilities | $43.5B+59.8% | $39.7B+74.9% | $35.9B+72.3% | $30.5B+63.6% | $27.2B+66.3% | $22.7B+44.7% | $20.8B+43.4% | $18.6B+39.1% |
| Current Liabilities | $36.4B+67.2% | $32.0B+77.0% | $28.6B+72.5% | $24.5B+71.3% | $21.8B+68.4% | $18.1B+47.4% | $16.6B+47.4% | $14.3B+38.9% |
| Non-Current Liabilities | $7.2B+30.4% | $7.7B+66.6% | $7.3B+71.8% | $6.0B+38.1% | $5.5B+58.5% | $4.6B+35.0% | $4.2B+29.4% | $4.3B+40.0% |
| Long-Term Debt | $10.6B+205.0% | $4.6B+61.0% | $4.6B+58.3% | $3.4B+9.9% | $3.5B+42.8% | $2.9B+28.8% | $2.9B+31.0% | $3.1B+42.2% |
| Total Equity | $7.8B+37.1% | $7.3B+45.5% | $6.7B+55.1% | $6.2B+55.4% | $5.7B+56.3% | $5.0B+47.6% | $4.4B+41.7% | $4.0B+46.0% |
| Retained Earnings | $6.7B+38.6% | $6.2B+44.6% | $5.8B+52.4% | $5.3B+65.5% | $4.8B+74.0% | $4.3B+91.8% | $3.8B+100.5% | $3.2B+82.9% |
MELI 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-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.7B+25.5% | $2.1B+101.3% | $5.2B+78.1% | $3.0B+84.9% | $2.9B+55.0% | $1.0B-31.8% | $2.9B+51.7% | $1.6B+70.0% |
| Depreciation & Amortization | $292.0M+46.7% | $246.0M+43.0% | $238.0M+56.6% | $209.0M+33.1% | $199.0M+29.2% | $172.0M+11.7% | $152.0M+12.6% | $157.0M+16.3% |
| Capital Expenditures | $441.0M+53.7% | $271.0M-0.4% | $427.0M+40.0% | $357.0M+60.1% | $287.0M+54.3% | $272.0M+86.3% | $305.0M+69.4% | $223.0M+77.0% |
| Free Cash Flow | $3.2B+22.5% | $1.8B+137.7% | $4.8B+82.6% | $2.6B+89.0% | $2.6B+55.1% | $759.0M-44.4% | $2.6B+49.8% | $1.4B+69.0% |
| Investing Cash Flow | -$2.7B-119.7% | -$1.5B+20.1% | -$2.0B+6.0% | -$1.1B+57.4% | -$1.2B+41.2% | -$1.8B-25.6% | -$2.1B-132.8% | -$2.6B-96.1% |
| Financing Cash Flow | $630.0M+2.8% | $473.0M+1.7% | $1.4B+82.6% | $444.0M-38.8% | $613.0M+28.8% | $465.0M | $757.0M+937.0% | $726.0M+450.0% |
| Share Buybacks | N/A | N/A | $0 | $1.0M | N/A | N/A | $0 | $0-100.0% |
Not reported in any period shown, so not listed: Stock-Based Compensation, Dividends Paid.
MELI 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-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 40.9%-4.7pp | 43.7%-3.0pp | 43.2%-2.2pp | 43.3%-2.6pp | 45.6%-1.1pp | 46.7%0.0pp | 45.4%-1.1pp | 45.9%-7.4pp |
| Operating Margin | 6.7%-5.4pp | 6.9%-5.9pp | 10.2%-3.4pp | 9.8%-0.7pp | 12.2%-2.2pp | 12.9%+0.7pp | 13.5%+5.9pp | 10.5%-9.5pp |
| Net Margin | 4.6%-3.1pp | 4.7%-3.6pp | 6.4%-4.2pp | 5.7%-1.8pp | 7.7%-2.8pp | 8.3%+0.4pp | 10.5%+6.8pp | 7.5%-1.7pp |
| Return on Equity | 5.9%-3.2pp | 5.7%-4.1pp | 8.3%-6.4pp | 6.8%-3.1pp | 9.2%-5.4pp | 9.9%-0.3pp | 14.7%+9.3pp | 9.9%-3.2pp |
| Return on Assets | 0.9%-0.7pp | 0.9%-0.9pp | 1.3%-1.2pp | 1.1%-0.6pp | 1.6%-1.1pp | 1.8%0.0pp | 2.5%+1.6pp | 1.8%-0.5pp |
| Current Ratio | 1.12-0.1x | 1.160.0x | 1.170.0x | 1.17-0.1x | 1.20-0.1x | 1.20-0.1x | 1.21-0.1x | 1.250.0x |
| Debt-to-Equity | 1.36+0.7x | 0.63+0.1x | 0.680.0x | 0.55-0.2x | 0.61-0.1x | 0.57-0.1x | 0.66-0.1x | 0.780.0x |
| Asset Turnover | 0.200.0x | 0.190.0x | 0.210.0x | 0.200.0x | 0.210.0x | 0.210.0x | 0.240.0x | 0.230.0x |
| FCF Margin | 31.7%-7.1pp | 20.4%+7.6pp | 54.6%+11.4pp | 35.1%+9.2pp | 38.7%+5.3pp | 12.8%-18.7pp | 43.2%+3.6pp | 25.9%+5.2pp |
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 |
|---|---|---|---|---|---|---|
| Mercado Libre, Inc MELI | FY2025 | $28.9B | $2.0B | 6.9% | $86.0B | 75/100 |
| Sea Limited SE | FY2025 | $22.9B | $1.6B | 6.9% | $58.3B | 58/100 |
| DoorDash, Inc. DASH | FY2025 | $13.7B | $935.0M | 6.8% | $82.0B | 54/100 |
| PDD Holdings Inc. PDD | FY2025 | $61.8B | $14.0B | 22.7% | $107.3B | 65/100 |
| JD.com, Inc. JD | FY2025 | $187.2B | $3.3B | 1.8% | $34.8B | 42/100 |
| eBay Inc EBAY | FY2025 | $11.1B | $2.0B | 18.3% | $47.3B | 60/100 |
Where Mercado Libre, Inc Ranks
Frequently Asked Questions
What is Mercado Libre, Inc's annual revenue?
Mercado Libre, Inc (MELI) reported $28.9B in total revenue for fiscal year 2025. This represents a 39.1% 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 Mercado Libre, Inc's revenue growing?
Mercado Libre, Inc (MELI) revenue grew by 39.1% year-over-year, from $20.8B to $28.9B in fiscal year 2025.
Is Mercado Libre, Inc profitable?
Yes, Mercado Libre, Inc (MELI) reported a net income of $2.0B in fiscal year 2025, with a net profit margin of 6.9%.
What is Mercado Libre, Inc's EBITDA?
Mercado Libre, Inc (MELI) had EBITDA of $4.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Mercado Libre, Inc have?
As of fiscal year 2025, Mercado Libre, Inc (MELI) had $3.7B in cash and equivalents against $4.6B in long-term debt.
What is Mercado Libre, Inc's gross margin?
Mercado Libre, Inc (MELI) had a gross margin of 44.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Mercado Libre, Inc's operating margin?
Mercado Libre, Inc (MELI) had an operating margin of 11.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Mercado Libre, Inc's net profit margin?
Mercado Libre, Inc (MELI) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Mercado Libre, Inc's return on equity (ROE)?
Mercado Libre, Inc (MELI) has a return on equity of 29.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Mercado Libre, Inc's free cash flow?
Mercado Libre, Inc (MELI) generated $10.8B in free cash flow during fiscal year 2025. This represents a 52.6% 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 Mercado Libre, Inc's operating cash flow?
Mercado Libre, Inc (MELI) generated $12.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Mercado Libre, Inc's total assets?
Mercado Libre, Inc (MELI) had $42.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Mercado Libre, Inc's capital expenditures?
Mercado Libre, Inc (MELI) invested $1.3B in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Mercado Libre, Inc spend on research and development?
Mercado Libre, Inc (MELI) invested $2.3B in research and development during fiscal year 2025.
What is Mercado Libre, Inc's current ratio?
Mercado Libre, Inc (MELI) had a current ratio of 1.17 as of fiscal year 2025, which is considered adequate.
What is Mercado Libre, Inc's debt-to-equity ratio?
Mercado Libre, Inc (MELI) had a debt-to-equity ratio of 0.68 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Mercado Libre, Inc's return on assets (ROA)?
Mercado Libre, Inc (MELI) had a return on assets of 4.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Mercado Libre, Inc's P/E ratio?
Mercado Libre, Inc (MELI) trades at 46.2x earnings, its market capitalization divided by net income of $1.9B net income, trailing 12 months to June 30, 2026. The market capitalization is $86.0B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Mercado Libre, Inc's price-to-sales ratio?
Mercado Libre, Inc (MELI) trades at 2.4x sales, its market capitalization divided by revenue of $35.2B revenue, trailing 12 months to June 30, 2026. The market capitalization is $86.0B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Mercado Libre, Inc's Altman Z-Score?
Mercado Libre, Inc (MELI) has an Altman Z-Score of 2.69, 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 Mercado Libre, Inc's Piotroski F-Score?
Mercado Libre, Inc (MELI) has a Piotroski F-Score of 5 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 Mercado Libre, Inc's earnings high quality?
Mercado Libre, Inc (MELI) has an earnings quality ratio of 6.07x, 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.
How financially healthy is Mercado Libre, Inc?
Mercado Libre, Inc (MELI) scores 75 out of 100 on our Financial Health Score, indicating strong 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.