Molina Healthcare, Inc. (MOH) 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 2, 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 Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the MOH SEC filings page.
Molina Healthcare, Inc. (MOH) reported $44.5B in revenue over the twelve months to Jun 30, 2026, up 2.6% 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).
Revenue kept expanding, but FY2025 exposed a sharp shift toward thinner profits, negative operating cash flow, and heavier leverage.
Through FY2024, operating cash flow stayed positive alongside net income; in FY2025, net income was$472M while operating cash flow turned negative at-$535M . Free cash flow also turned negative, while operating margin fell from4.6% in FY2023 to1.7% in FY2025, showing a break in cash conversion alongside weaker operating economics.
The top line expanded to
Debt-to-equity rose from 0.5x in FY2023 to 0.9x in FY2025, so the balance sheet carries more debt relative to its capital base. That shift coincided with equity declining to
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 Molina Healthcare, 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.
Molina Healthcare, Inc. has an operating margin of 1.7%, meaning the company retains $2 of operating profit per $100 of revenue. This results in a moderate score of 51/100, indicating healthy but not exceptional operating efficiency. This is down from 4.2% the prior year.
Molina Healthcare, Inc.'s revenue grew 11.7% year-over-year to $45.4B, a solid pace of expansion. This earns a growth score of 77/100.
Molina Healthcare, Inc. carries a low D/E ratio of 0.93, meaning only $0.93 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 94/100, indicating a strong balance sheet with room for future borrowing.
Molina Healthcare, Inc.'s current ratio of 1.69 indicates adequate short-term liquidity, earning a score of 49/100. The company can meet its near-term obligations, though with limited headroom.
Molina Healthcare, Inc.'s operations used $535.0M of cash, and capex of $101.0M added to the outflow, for a free cash flow shortfall of $636.0M. This results in a cash flow score of 27/100.
Molina Healthcare, Inc. earns a strong 11.6% return on equity (ROE), meaning it generates $12 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 80/100. This is down from 26.2% the prior year.
Molina Healthcare, Inc. scores 4.32, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Molina Healthcare, Inc. passes 4 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Molina Healthcare, Inc. used $1.13 of operating cash (-$535.0M OCF vs $472.0M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.
Molina Healthcare, Inc. earns $4.07 in operating income for every $1 of interest expense ($781.0M vs $192.0M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
Molina Healthcare, Inc. generated $10.9B in revenue in Q2 2026. This represents a decrease of 4.8% from the same quarter a year earlier. Against the prior quarter it is up 0.7%.
Molina Healthcare, Inc.'s EBITDA was $185.0M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 57.1% from the same quarter a year earlier. Against the prior quarter it is up 51.6%.
Molina Healthcare, Inc. reported $60.0M in net income in Q2 2026. This represents a decrease of 76.5% from the same quarter a year earlier. Against the prior quarter it is up 328.6%.
Molina Healthcare, Inc. earned $1.19 per diluted share (EPS) in Q2 2026. This represents a decrease of 74.9% from the same quarter a year earlier. Against the prior quarter it is up 340.7%.
Cash & Balance Sheet
Molina Healthcare, Inc. recorded an outflow of $324.0M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 5.8% from the same quarter a year earlier. Against the prior quarter it is down 130.7%.
Molina Healthcare, Inc. held $5.0B in cash against $3.8B in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Molina Healthcare, Inc.'s operating margin was 1.3% in Q2 2026, reflecting core business profitability. This is down 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Molina Healthcare, Inc.'s net profit margin was 0.5% in Q2 2026, showing the share of revenue converted to profit. This is down 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.
Molina Healthcare, Inc.'s ROE was 1.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 4.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.
Not reported for Q2 2026.
Capital Allocation
Molina Healthcare, Inc. repurchased no shares in Q2 2026.
Molina Healthcare, Inc. invested $30.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 28.6% from the same quarter a year earlier. Against the prior quarter it is up 11.1%.
Not reported for Q2 2026.
MOH 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 | $10.9B-4.8% | $10.8B-3.1% | $11.4B+8.3% | $11.5B+11.0% | $11.4B+15.7% | $11.1B+12.2% | $10.5B+16.0% | $10.3B+21.0% |
| Cost of Revenue | $9.4B-4.0% | $9.3B-2.2% | $10.1B+12.6% | $10.0B+16.2% | $9.8B+17.5% | $9.5B+12.7% | $9.0B+20.8% | $8.6B+18.3% |
| SG&A Expenses | $724.0M+1.8% | $779.0M+0.6% | $795.0M+19.5% | $729.0M+7.8% | $711.0M+2.9% | $774.0M+8.9% | $665.0M+3.1% | $676.0M+11.2% |
| Operating Income | $145.0M-61.1% | $83.0M-80.8% | -$162.0M-142.6% | $137.0M-70.7% | $373.0M-14.1% | $433.0M+1.6% | $380.0M+20.3% | $467.0M+30.1% |
| EBITDA | $185.0M-57.1% | $122.0M-74.6% | -$118.0M-127.6% | $182.0M-64.6% | $431.0M-10.2% | $481.0M+2.1% | $428.0M+19.2% | $514.0M+28.2% |
| Interest Expense | $54.0M+12.5% | $54.0M+25.6% | $52.0M+52.9% | $49.0M+69.0% | $48.0M+71.4% | $43.0M+59.3% | $34.0M+25.9% | $29.0M+7.4% |
| Income Tax | $31.0M-55.7% | $15.0M-83.7% | -$54.0M-156.8% | $9.0M-92.0% | $70.0M-33.3% | $92.0M-6.1% | $95.0M+30.1% | $112.0M+28.7% |
| Net Income | $60.0M-76.5% | $14.0M-95.3% | -$160.0M-163.7% | $79.0M-75.8% | $255.0M-15.3% | $298.0M-1.0% | $251.0M+16.2% | $326.0M+33.1% |
| EPS (Basic) | $1.19-74.9% | $0.27-95.1% | -$2.88-164.4% | $1.51-73.4% | $4.75-8.3% | $5.47+5.0% | $4.47+19.8% | $5.67+33.7% |
| EPS (Diluted) | $1.19-74.9% | $0.27-95.0% | -$2.87-164.5% | $1.51-73.3% | $4.75-8.1% | $5.45+5.4% | $4.45+20.6% | $5.65+34.2% |
| Diluted Shares (Avg) | 51M-4.5% | 51M-6.9% | N/A | 53M-9.0% | 54M-7.7% | 55M-6.0% | N/A | 58M-0.7% |
Not reported in any period shown, so not listed: Gross Profit, R&D Expenses.
MOH 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 | $16.0B-1.3% | $16.4B0.0% | $15.6B-0.4% | $15.7B-0.4% | $16.2B+6.7% | $16.4B+5.6% | $15.6B+5.0% | $15.8B+6.0% |
| Current Assets | $12.9B-1.4% | $13.3B+0.5% | $12.4B-2.6% | $12.6B-2.6% | $13.1B+6.3% | $13.3B+4.6% | $12.8B+1.8% | $12.9B+3.3% |
| Cash & Equivalents | $5.0B+10.8% | $5.3B+9.4% | $4.2B-8.9% | $4.2B-10.8% | $4.5B+3.3% | $4.9B+7.6% | $4.7B-3.8% | $4.7B-15.0% |
| Short-Term Investments | $3.9B-8.8% | $3.9B-11.3% | $4.0B-7.3% | $4.2B-5.7% | $4.3B-0.9% | $4.4B+0.3% | $4.3B+1.5% | $4.5B+9.0% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | N/A | N/A | $2.0B+17.2% | N/A | N/A | N/A | $1.7B+34.6% | N/A |
| Total Liabilities | $11.8B+1.9% | $12.3B+1.9% | $11.5B+3.2% | $11.5B+4.7% | $11.6B+12.2% | $12.1B+9.6% | $11.1B+4.3% | $11.0B0.0% |
| Current Liabilities | $7.7B-2.2% | $8.2B+0.4% | $7.4B-6.6% | $7.5B-10.3% | $7.9B+0.5% | $8.2B-4.2% | $7.9B-3.3% | $8.3B-1.8% |
| Non-Current Liabilities | $4.1B+10.8% | $4.1B+5.2% | $4.1B+27.3% | $4.0B+51.9% | $3.7B+48.8% | $3.9B+56.5% | $3.2B+29.1% | $2.7B+6.1% |
| Long-Term Debt | $3.8B+11.7% | $3.8B+5.4% | $3.8B+28.8% | $3.7B+57.1% | $3.4B+54.7% | $3.6B+63.9% | $2.9B+34.1% | $2.3B+7.0% |
| Total Equity | $4.2B-9.4% | $4.1B-5.3% | $4.1B-9.5% | $4.2B-12.1% | $4.6B-5.0% | $4.3B-4.1% | $4.5B+6.7% | $4.8B+23.0% |
| Retained Earnings | $3.7B-11.6% | $3.6B-7.4% | $3.6B-12.0% | $3.8B-13.0% | $4.2B-7.4% | $3.9B-6.8% | $4.1B+5.2% | $4.3B+17.8% |
Not reported in any period shown, so not listed: Inventory, Accounts Receivable.
MOH 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 | -$294.0M+2.6% | $1.1B+469.5% | -$298.0M-33.0% | -$125.0M-114.3% | -$302.0M-37.9% | $190.0M-11.2% | -$224.0M+67.5% | $873.0M-8.0% |
| Depreciation & Amortization | $40.0M-31.0% | $39.0M-18.8% | $44.0M-8.3% | $45.0M-4.3% | $58.0M+26.1% | $48.0M+6.7% | $48.0M+11.6% | $47.0M+11.9% |
| Stock-Based Compensation | N/A | $33.0M+22.2% | N/A | N/A | N/A | $27.0M-25.0% | N/A | N/A |
| Capital Expenditures | $30.0M-28.6% | $27.0M+22.7% | -$1.0M-90.9% | $38.0M+8.6% | $42.0M+55.6% | $22.0M-18.5% | $11.0M+120.0% | $35.0M+34.6% |
| Free Cash Flow | -$324.0M+5.8% | $1.1B+528.0% | -$299.0M-27.2% | -$163.0M-119.5% | -$344.0M-39.8% | $168.0M-10.2% | -$235.0M+66.2% | $838.0M-9.2% |
| Investing Cash Flow | -$30.0M-123.4% | $11.0M+108.9% | $230.0M+1110.5% | $77.0M+260.4% | $128.0M+141.5% | -$123.0M+74.8% | $19.0M+176.0% | -$48.0M+82.9% |
| Financing Cash Flow | -$4.0M+97.9% | -$20.0M-113.6% | $92.0M+37.3% | -$220.0M+39.6% | -$189.0M-1675.0% | $147.0M+337.1% | $67.0M+2133.3% | -$364.0M-5966.7% |
| Share Buybacks | $0 | $0-100.0% | $0-100.0% | $500.0M0.0% | $0 | $500.0M | $500.0M | $500.0M |
Not reported in any period shown, so not listed: Dividends Paid.
MOH 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 |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 1.3%-1.9pp | 0.8%-3.1pp | -1.4%-5.0pp | 1.2%-3.3pp | 3.3%-1.1pp | 3.9%-0.4pp | 3.6%+0.1pp | 4.5%+0.3pp |
| Net Margin | 0.5%-1.7pp | 0.1%-2.5pp | -1.4%-3.8pp | 0.7%-2.5pp | 2.2%-0.8pp | 2.7%-0.4pp | 2.4%0.0pp | 3.1%+0.3pp |
| Return on Equity | 1.4%-4.1pp | 0.3%-6.6pp | -3.9%-9.5pp | 1.9%-5.0pp | 5.5%-0.7pp | 6.9%+0.2pp | 5.6%+0.5pp | 6.8%+0.5pp |
| Return on Assets | 0.4%-1.2pp | 0.1%-1.7pp | -1.0%-2.6pp | 0.5%-1.6pp | 1.6%-0.4pp | 1.8%-0.1pp | 1.6%+0.2pp | 2.1%+0.4pp |
| Current Ratio | 1.680.0x | 1.630.0x | 1.69+0.1x | 1.68+0.1x | 1.66+0.1x | 1.63+0.1x | 1.62+0.1x | 1.54+0.1x |
| Debt-to-Equity | 0.90+0.2x | 0.92+0.1x | 0.93+0.3x | 0.87+0.4x | 0.73+0.3x | 0.83+0.3x | 0.65+0.1x | 0.49-0.1x |
| Asset Turnover | 0.680.0x | 0.660.0x | 0.73+0.1x | 0.73+0.1x | 0.70+0.1x | 0.680.0x | 0.67+0.1x | 0.66+0.1x |
| FCF Margin | -3.0%0.0pp | 9.8%+8.3pp | -2.6%-0.4pp | -1.4%-9.5pp | -3.0%-0.5pp | 1.5%-0.4pp | -2.2%+5.4pp | 8.1%-2.7pp |
Not reported in any period shown, so not listed: Gross 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 |
|---|---|---|---|---|---|---|
| Molina Healthcare, Inc. MOH | FY2025 | $45.4B | $472.0M | 1.0% | $9.9B | 63/100 |
| Centene Corporation CNC | FY2025 | $194.8B | -$6.7B | -3.4% | $30.1B | 36/100 |
| Humana Inc. HUM | FY2025 | $129.7B | $1.2B | 0.9% | $45.6B | 50/100 |
| Elevance Health, Inc. ELV | FY2025 | $199.1B | $5.7B | 2.8% | $82.8B | 49/100 |
| CVS Health Corporation CVS | FY2025 | $402.1B | $1.8B | 0.4% | $109.0B | 35/100 |
| The Cigna Group CI | FY2025 | $274.9B | $6.0B | 2.2% | $70.8B | 42/100 |
Where Molina Healthcare, Inc. Ranks
Frequently Asked Questions
What is Molina Healthcare, Inc.'s annual revenue?
Molina Healthcare, Inc. (MOH) reported $45.4B in total revenue for fiscal year 2025. This represents a 11.7% 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 Molina Healthcare, Inc.'s revenue growing?
Molina Healthcare, Inc. (MOH) revenue grew by 11.7% year-over-year, from $40.6B to $45.4B in fiscal year 2025.
Is Molina Healthcare, Inc. profitable?
Yes, Molina Healthcare, Inc. (MOH) reported a net income of $472.0M in fiscal year 2025, with a net profit margin of 1.0%.
What is Molina Healthcare, Inc.'s EBITDA?
Molina Healthcare, Inc. (MOH) had EBITDA of $976.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Molina Healthcare, Inc. have?
As of fiscal year 2025, Molina Healthcare, Inc. (MOH) had $4.2B in cash and equivalents against $3.8B in long-term debt.
What is Molina Healthcare, Inc.'s operating margin?
Molina Healthcare, Inc. (MOH) had an operating margin of 1.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Molina Healthcare, Inc.'s net profit margin?
Molina Healthcare, Inc. (MOH) had a net profit margin of 1.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Molina Healthcare, Inc.'s return on equity (ROE)?
Molina Healthcare, Inc. (MOH) has a return on equity of 11.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Molina Healthcare, Inc.'s free cash flow?
Molina Healthcare, Inc. (MOH) recorded an outflow of $636.0M in free cash flow during fiscal year 2025. This represents a -216.9% 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 Molina Healthcare, Inc.'s operating cash flow?
Molina Healthcare, Inc. (MOH) recorded an outflow of $535.0M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Molina Healthcare, Inc.'s total assets?
Molina Healthcare, Inc. (MOH) had $15.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Molina Healthcare, Inc.'s capital expenditures?
Molina Healthcare, Inc. (MOH) invested $101.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Molina Healthcare, Inc.'s current ratio?
Molina Healthcare, Inc. (MOH) had a current ratio of 1.69 as of fiscal year 2025, which is generally considered healthy.
What is Molina Healthcare, Inc.'s debt-to-equity ratio?
Molina Healthcare, Inc. (MOH) had a debt-to-equity ratio of 0.93 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Molina Healthcare, Inc.'s return on assets (ROA)?
Molina Healthcare, Inc. (MOH) had a return on assets of 3.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Molina Healthcare, Inc.'s P/E ratio?
Molina Healthcare, Inc. (MOH) 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 $9.9B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Molina Healthcare, Inc.'s price-to-sales ratio?
Molina Healthcare, Inc. (MOH) trades at 0.2x sales, its market capitalization divided by revenue of $44.5B revenue, trailing 12 months to June 30, 2026. The market capitalization is $9.9B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Molina Healthcare, Inc.'s Altman Z-Score?
Molina Healthcare, Inc. (MOH) has an Altman Z-Score of 4.32, placing it in the Safe Zone (low 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 Molina Healthcare, Inc.'s Piotroski F-Score?
Molina Healthcare, Inc. (MOH) has a Piotroski F-Score of 4 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 Molina Healthcare, Inc.'s earnings high quality?
For every $1 of reported earnings, Molina Healthcare, Inc. (MOH) used $1.13 of operating cash (-$535.0M OCF vs $472.0M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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 Molina Healthcare, Inc. cover its interest payments?
Molina Healthcare, Inc. (MOH) has an interest coverage ratio of 4.07x, 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 Molina Healthcare, Inc.?
Molina Healthcare, Inc. (MOH) scores 63 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.