What is Movado Group's earnings per share (EPS)?

Movado Group (MOVAA) reported diluted earnings per share of $0.81 for fiscal year 2025. This represents a -55.7% 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.

Movado Group Financials

MOVAA

Source SEC Filings (10-K/10-Q) Updated Oct 31, 2025 Currency USD FYE January

This page shows Movado Group (MOVAA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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 45/100

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

Profitability

Movado Group has an operating margin of 3.1%, meaning the company retains $3 of operating profit per $100 of revenue. This below-average margin results in a low score of 29/100, suggesting thin profitability after operating expenses. This is down from 7.3% the prior year.

Growth

Movado Group's revenue declined 1.7% year-over-year, from $664.4M to $653.4M. This contraction results in a growth score of 31/100.

Leverage

Movado Group carries a low D/E ratio of 0.51, meaning only $0.51 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

With a current ratio of 4.07, Movado Group holds $4.07 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 80/100.

Cash Flow

While Movado Group generated -$1.5M in operating cash flow, capex of $8.0M consumed most of it, leaving -$9.5M in free cash flow. This results in a low score of 21/100, reflecting heavy capital investment rather than weak cash generation.

Returns

Movado Group generates a 3.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 19/100. This is down from 8.4% the prior year.

Piotroski F-Score Weak

1/9

Movado Group passes 1 of 9 financial strength tests. 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Low Quality

-0.08x

For every $1 of reported earnings, Movado Group generates $-0.08 in operating cash flow (-$1.5M OCF vs $18.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage Safe

40.9x

Movado Group earns $40.9 in operating income for every $1 of interest expense ($20.0M vs $489K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$653.4M

YoY-1.7%

5Y CAGR-1.4%

10Y CAGR+1.1%

Movado Group generated $653.4M in revenue in fiscal year 2025. This represents a decrease of 1.7% from the prior year.

EBITDA

$29.3M

YoY-49.5%

5Y CAGR-13.2%

10Y CAGR-10.0%

Movado Group's EBITDA was $29.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 49.5% from the prior year.

Net Income

$18.4M

YoY-55.6%

5Y CAGR-15.5%

10Y CAGR-9.8%

Movado Group reported $18.4M in net income in fiscal year 2025. This represents a decrease of 55.6% from the prior year.

EPS (Diluted)

$0.81

YoY-55.7%

5Y CAGR-15.0%

10Y CAGR-8.7%

Movado Group earned $0.81 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 55.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$9.5M

YoY-113.8%

Movado Group generated -$9.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 113.8% from the prior year.

Cash & Debt

$203.1M

YoY-9.9%

5Y CAGR+1.6%

10Y CAGR+0.9%

Movado Group held $203.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.40

YoY-41.7%

10Y CAGR+13.3%

Movado Group paid $1.40 per share in dividends in fiscal year 2025. This represents a decrease of 41.7% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

54.0%

YoY-0.8pp

5Y CAGR+0.6pp

10Y CAGR+1.2pp

Movado Group's gross margin was 54.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.8 percentage points from the prior year.

Operating Margin

3.1%

YoY-4.2pp

5Y CAGR-3.1pp

10Y CAGR-9.1pp

Movado Group's operating margin was 3.1% in fiscal year 2025, reflecting core business profitability. This is down 4.2 percentage points from the prior year.

Net Margin

2.8%

YoY-3.4pp

5Y CAGR-3.3pp

10Y CAGR-6.0pp

Movado Group's net profit margin was 2.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.4 percentage points from the prior year.

Return on Equity

3.7%

YoY-4.7pp

5Y CAGR-7.8pp

10Y CAGR-7.6pp

Movado Group's ROE was 3.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.6M

YoY-15.7%

5Y CAGR-8.9%

10Y CAGR-20.6%

Movado Group spent $2.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 15.7% from the prior year.

Capital Expenditures

$8.0M

YoY-3.1%

5Y CAGR-8.9%

10Y CAGR-3.3%

Movado Group invested $8.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 3.1% from the prior year.

MOVAA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$653.4M-1.7%	$664.4M-10.7%	$744.2M+1.6%	$732.4M+44.6%	$506.4M-27.8%	$701.0M
Cost of Revenue	$300.2M0.0%	$300.2M-4.7%	$315.1M+0.6%	$313.3M+32.8%	$235.9M-27.7%	$326.1M
Gross Profit	$353.1M-3.0%	$364.2M-15.1%	$429.1M+2.4%	$419.1M+54.9%	$270.5M-27.8%	$374.9M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$333.1M+5.5%	$315.7M+0.7%	$313.5M+4.0%	$301.6M+17.5%	$256.7M-22.7%	$331.9M
Operating Income	$20.0M-58.7%	$48.5M-58.1%	$115.6M-1.6%	$117.5M+182.7%	-$142.1M-430.6%	$43.0M
Interest Expense	$489K-1.6%	$497K-4.1%	$518K-24.7%	$688K-64.9%	$2.0M+110.6%	$930K
Income Tax	$7.4M-36.9%	$11.8M-51.4%	$24.3M-2.1%	$24.8M+179.4%	-$31.2M-306.2%	$15.1M
Net Income	$18.4M-55.6%	$41.3M-54.3%	$90.4M-1.3%	$91.6M+182.1%	-$111.5M-361.2%	$42.7M
EPS (Diluted)	$0.81-55.7%	$1.83-53.6%	$3.94+1.8%	$3.87+180.6%	$-4.80-362.3%	$1.83

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Revenue	$186.1M+15.0%	$161.8M+22.8%	$131.8M-27.4%	$181.5M+0.5%	$180.5M+15.0%	$157.0M+16.8%	$134.4M-23.5%	$175.8M
Cost of Revenue	$85.1M+14.6%	$74.3M+22.9%	$60.4M	N/A	$83.9M+16.9%	$71.7M+16.7%	$61.5M-24.7%	$81.7M
Gross Profit	$101.1M+15.4%	$87.6M+22.7%	$71.3M-27.4%	$98.3M+1.8%	$96.6M+13.3%	$85.3M+16.9%	$72.9M-22.5%	$94.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$89.3M+6.9%	$83.6M+17.6%	$71.1M	N/A	$90.6M+9.7%	$82.6M+16.7%	$70.8M-15.0%	$83.3M
Operating Income	$11.7M+192.6%	$4.0M+1277.0%	$291K-96.8%	$9.2M+52.9%	$6.0M+128.3%	$2.6M+24.7%	$2.1M-80.4%	$10.8M
Interest Expense	$136K+23.6%	$110K-0.9%	$111K	N/A	$144K+30.9%	$110K-6.8%	$118K-13.2%	$136K
Income Tax	$3.3M+67.0%	$2.0M+197.1%	$660K	N/A	$2.4M+180.5%	$843K-58.5%	$2.0M-13.4%	$2.3M
Net Income	$9.6M+220.9%	$3.0M+110.3%	$1.4M-82.4%	$8.1M+66.8%	$4.8M+39.1%	$3.5M+72.2%	$2.0M-79.5%	$9.8M
EPS (Diluted)	$0.42+223.1%	$0.13+116.7%	$0.06-83.3%	$0.36+71.4%	$0.21+40.0%	$0.15+66.7%	$0.09-79.1%	$0.43

MOVAA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$747.2M+1.5%	$736.0M0.0%	$735.8M-0.6%	$740.0M+6.5%	$694.7M-0.5%	$697.9M
Current Assets	$511.0M+1.8%	$501.9M-3.4%	$519.7M-1.0%	$525.0M+8.6%	$483.5M+9.3%	$442.5M
Cash & Equivalents	$203.1M-9.9%	$225.4M+13.7%	$198.3M-12.0%	$225.3M+20.5%	$186.9M-0.5%	$187.8M
Inventory	$189.3M+14.6%	$165.2M-16.7%	$198.2M+10.1%	$180.0M+5.9%	$170.0M-4.4%	$177.8M
Accounts Receivable	$87.3M+7.7%	$81.0M-5.2%	$85.5M-7.9%	$92.7M+18.0%	$78.6M+57.9%	$49.8M
Goodwill	N/A	N/A	N/A	N/A	N/A	$0
Total Liabilities	$251.8M+3.1%	$244.1M-0.7%	$245.8M-10.8%	$275.5M+4.8%	$262.9M-19.0%	$324.4M
Current Liabilities	$125.6M+21.5%	$103.4M-10.3%	$115.3M-16.7%	$138.4M+20.8%	$114.5M+22.4%	$93.6M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$493.2M+0.7%	$489.6M+0.5%	$487.1M+6.0%	$459.6M+7.7%	$426.8M+15.4%	$369.8M
Retained Earnings	$440.3M-2.9%	$453.7M+0.6%	$451.1M+6.3%	$424.2M+22.4%	$346.4M+13.4%	$305.5M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Total Assets	$751.9M+0.4%	$748.7M+0.2%	$747.2M+2.5%	$729.2M-2.4%	$747.2M+0.6%	$742.5M+0.9%	$736.0M-2.7%	$756.5M
Current Assets	$522.0M+1.1%	$516.2M+1.0%	$511.0M+4.3%	$489.9M-2.3%	$501.5M-1.1%	$507.2M+1.1%	$501.9M-5.5%	$531.3M
Cash & Equivalents	$183.9M+1.9%	$180.5M-11.1%	$203.1M-2.6%	$208.5M+14.8%	$181.5M-8.4%	$198.3M-12.0%	$225.4M-14.0%	$262.1M
Inventory	$196.9M-6.9%	$211.5M+11.7%	$189.3M+20.8%	$156.7M-11.0%	$176.1M-3.8%	$183.2M+10.9%	$165.2M+7.3%	$153.9M
Accounts Receivable	$118.3M+25.3%	$94.4M+8.2%	$87.3M-6.6%	$93.4M-18.0%	$113.9M+31.3%	$86.7M+7.0%	$81.0M-5.8%	$86.0M
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$252.0M-1.7%	$256.5M+1.9%	$251.8M+2.5%	$245.7M-3.0%	$253.3M+2.1%	$248.1M+1.6%	$244.1M-1.7%	$248.4M
Current Liabilities	$128.7M-2.1%	$131.4M+4.7%	$125.6M+11.1%	$113.0M-2.3%	$115.7M+1.1%	$114.4M+10.7%	$103.4M-7.2%	$111.4M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$497.5M+1.5%	$489.9M-0.7%	$493.2M+2.5%	$481.3M-2.0%	$491.3M-0.2%	$492.0M+0.5%	$489.6M-3.2%	$505.9M
Retained Earnings	$437.4M+0.4%	$435.6M-1.1%	$440.3M-1.4%	$446.7M+0.1%	$446.4M-0.7%	$449.3M-0.9%	$453.7M-1.3%	$459.4M

MOVAA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$1.5M-102.0%	$76.8M+41.3%	$54.3M-58.5%	$130.8M+91.2%	$68.4M+113.3%	$32.1M
Capital Expenditures	$8.0M-3.1%	$8.2M+16.1%	$7.1M+25.3%	$5.7M+87.4%	$3.0M-76.3%	$12.7M
Free Cash Flow	-$9.5M-113.8%	$68.6M+45.1%	$47.3M-62.2%	$125.2M+91.4%	$65.4M+237.8%	$19.4M
Investing Cash Flow	-$13.7M-19.8%	-$11.5M-8.8%	-$10.6M-33.3%	-$7.9M-324.3%	-$1.9M+86.0%	-$13.4M
Financing Cash Flow	-$35.4M+38.5%	-$57.6M+11.8%	-$65.3M+2.0%	-$66.6M-93.7%	-$34.4M-44.1%	-$23.9M
Dividends Paid	$31.1M-41.5%	$53.1M+69.5%	$31.4M+42.7%	$22.0M	$0-100.0%	$18.4M
Share Buybacks	$2.6M-15.7%	$3.1M-90.1%	$31.4M+39.0%	$22.6M	$0-100.0%	$4.2M

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Operating Cash Flow	$12.3M+423.0%	-$3.8M+47.3%	-$7.2M-118.4%	$39.1M+929.4%	-$4.7M+73.6%	-$17.8M+1.3%	-$18.1M-126.0%	$69.4M
Capital Expenditures	$686K-46.9%	$1.3M-15.7%	$1.5M-4.1%	$1.6M-34.9%	$2.5M+7.3%	$2.3M+40.9%	$1.6M+1.8%	$1.6M
Free Cash Flow	$11.6M+327.6%	-$5.1M+41.8%	-$8.7M-123.3%	$37.5M+623.2%	-$7.2M+64.4%	-$20.1M-2.2%	-$19.7M-129.0%	$67.8M
Investing Cash Flow	-$1.5M+19.5%	-$1.9M+32.4%	-$2.8M-55.8%	-$1.8M+49.6%	-$3.6M-3.0%	-$3.5M+26.8%	-$4.8M-78.0%	-$2.7M
Financing Cash Flow	-$7.8M+54.8%	-$17.2M-3572.6%	-$467K+94.4%	-$8.4M+10.6%	-$9.3M-19.9%	-$7.8M+21.4%	-$9.9M-10.3%	-$9.0M
Dividends Paid	$7.7M-0.3%	$7.8M-0.1%	$7.8M+0.4%	$7.8M-0.3%	$7.8M0.0%	$7.8M0.0%	$7.8M+0.3%	$7.7M
Share Buybacks	$0	N/A	N/A	$0-100.0%	$1.5M	$0-100.0%	$1.1M+41.6%	$767K

MOVAA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	54.0%-0.8pp	54.8%-2.8pp	57.7%+0.4pp	57.2%+3.8pp	53.4%-0.1pp	53.5%
Operating Margin	3.1%-4.2pp	7.3%-8.2pp	15.5%-0.5pp	16.0%+44.1pp	-28.1%-34.2pp	6.1%
Net Margin	2.8%-3.4pp	6.2%-5.9pp	12.1%-0.4pp	12.5%+34.5pp	-22.0%-28.1pp	6.1%
Return on Equity	3.7%-4.7pp	8.4%-10.1pp	18.6%-1.4pp	19.9%+46.1pp	-26.1%-37.7pp	11.6%
Return on Assets	2.5%-3.2pp	5.6%-6.7pp	12.3%-0.1pp	12.4%+28.4pp	-16.1%-22.2pp	6.1%
Current Ratio	4.07-0.8	4.86+0.3	4.51+0.7	3.79-0.4	4.22-0.5	4.73
Debt-to-Equity	0.51+0.0	0.500.0	0.50-0.1	0.60-0.0	0.62-0.3	0.88
FCF Margin	-1.5%-11.8pp	10.3%+4.0pp	6.3%-10.7pp	17.1%+4.2pp	12.9%+10.1pp	2.8%

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24
Gross Margin	54.3%+0.2pp	54.1%-0.0pp	54.1%-0.0pp	54.2%+0.7pp	53.5%-0.8pp	54.3%+0.0pp	54.3%+0.7pp	53.5%
Operating Margin	6.3%+3.8pp	2.5%+2.3pp	0.2%-4.9pp	5.1%+1.7pp	3.3%+1.7pp	1.7%+0.1pp	1.6%-4.6pp	6.1%
Net Margin	5.1%+3.3pp	1.8%+0.8pp	1.1%-3.4pp	4.4%+1.8pp	2.7%+0.5pp	2.2%+0.7pp	1.5%-4.1pp	5.6%
Return on Equity	1.9%+1.3pp	0.6%+0.3pp	0.3%-1.4pp	1.7%+0.7pp	1.0%+0.3pp	0.7%+0.3pp	0.4%-1.5pp	1.9%
Return on Assets	1.3%+0.9pp	0.4%+0.2pp	0.2%-0.9pp	1.1%+0.4pp	0.7%+0.2pp	0.5%+0.2pp	0.3%-1.0pp	1.3%
Current Ratio	4.06+0.1	3.93-0.1	4.07-0.3	4.340.0	4.34-0.1	4.43-0.4	4.86+0.1	4.77
Debt-to-Equity	0.51-0.0	0.52+0.0	0.510.0	0.510.0	0.52+0.0	0.500.0	0.500.0	0.49
FCF Margin	6.2%+9.4pp	-3.1%+3.5pp	-6.6%-27.3pp	20.7%+24.6pp	-4.0%+8.9pp	-12.8%+1.8pp	-14.7%-53.2pp	38.6%

Frequently Asked Questions

What is Movado Group's annual revenue?

Movado Group (MOVAA) reported $653.4M in total revenue for fiscal year 2025. This represents a -1.7% 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 Movado Group's revenue growing?

Movado Group (MOVAA) revenue declined by 1.7% year-over-year, from $664.4M to $653.4M in fiscal year 2025.

Is Movado Group profitable?

Yes, Movado Group (MOVAA) reported a net income of $18.4M in fiscal year 2025, with a net profit margin of 2.8%.

What is Movado Group's EBITDA?

Movado Group (MOVAA) had EBITDA of $29.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Movado Group's gross margin?

Movado Group (MOVAA) had a gross margin of 54.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Movado Group's operating margin?

Movado Group (MOVAA) had an operating margin of 3.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Movado Group's net profit margin?

Movado Group (MOVAA) had a net profit margin of 2.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Movado Group pay dividends?

Yes, Movado Group (MOVAA) paid $1.40 per share in dividends during fiscal year 2025.

What is Movado Group's return on equity (ROE)?

Movado Group (MOVAA) has a return on equity of 3.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Movado Group's free cash flow?

Movado Group (MOVAA) generated -$9.5M in free cash flow during fiscal year 2025. This represents a -113.8% 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 Movado Group's operating cash flow?

Movado Group (MOVAA) generated -$1.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Movado Group's total assets?

Movado Group (MOVAA) had $747.2M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Movado Group's capital expenditures?

Movado Group (MOVAA) invested $8.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Movado Group buy back shares?

Yes, Movado Group (MOVAA) spent $2.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Movado Group's current ratio?

Movado Group (MOVAA) had a current ratio of 4.07 as of fiscal year 2025, which is generally considered healthy.

What is Movado Group's debt-to-equity ratio?

Movado Group (MOVAA) had a debt-to-equity ratio of 0.51 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Movado Group's return on assets (ROA)?

Movado Group (MOVAA) had a return on assets of 2.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Movado Group's cash runway?

Based on fiscal year 2025 data, Movado Group (MOVAA) had $203.1M in cash against an annual operating cash burn of $1.5M. This gives an estimated cash runway of approximately 1620 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is Movado Group's Piotroski F-Score?

Movado Group (MOVAA) has a Piotroski F-Score of 1 out of 9, indicating weak 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 Movado Group's earnings high quality?

Movado Group (MOVAA) has an earnings quality ratio of -0.08x, considered low quality (accrual-driven). 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 Movado Group cover its interest payments?

Movado Group (MOVAA) has an interest coverage ratio of 40.9x, 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 Movado Group?

Movado Group (MOVAA) scores 45 out of 100 on our Financial Profile, indicating moderate 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.