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 26, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2025, filed Feb 19, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RIO SEC filings page.
Rio Tinto plc (RIO) reported $57.6B in revenue for fiscal year 2025, up 7.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 11 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).
Rio Tinto's revenue growth did not translate into profit growth, while cash conversion remained stronger than reported earnings.
Operating cash flow of$16.8B exceeded net income of$10.0B , indicating earnings converted into cash rather than remaining largely accrual-based. That cash conversion coexisted with depreciation rising11.1% as assets expanded24.6% , pointing to a more capital-heavy base.
Revenue grew
Assets expanded
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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 Rio Tinto plc'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.
Rio Tinto plc has an operating margin of 25.9%, meaning the company retains $26 of operating profit per $100 of revenue. This strong profitability earns a score of 85/100, reflecting efficient cost management and pricing power. This is down from 29.2% the prior year.
Rio Tinto plc's revenue grew 7.4% year-over-year to $57.6B, a solid pace of expansion. This earns a growth score of 42/100.
Rio Tinto plc has a moderate D/E ratio of 0.34. This balance of debt and equity financing earns a leverage score of 57/100.
Rio Tinto plc's current ratio of 1.44 indicates adequate short-term liquidity, earning a score of 40/100. The company can meet its near-term obligations, though with limited headroom.
Not available for Rio Tinto plc, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Rio Tinto plc earns a strong 16.0% return on equity (ROE), meaning it generates $16 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 76/100. This is down from 20.9% the prior year.
Rio Tinto plc scores 2.74, placing it in the grey zone between 1.81 and 2.99. The largest contribution to the score comes from a market capitalization of $136.2B against total liabilities of $61.1B. 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.
Rio Tinto plc passes 3 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) does not pass.
For every $1 of reported earnings, Rio Tinto plc generates $1.69 in operating cash flow ($16.8B OCF vs $10.0B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Rio Tinto plc earns $14.06 in operating income for every $1 of interest expense ($14.9B vs $1.1B). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Rio Tinto plc generated $57.6B in revenue in fiscal year 2025. This represents an increase of 7.4% from the prior year.
Rio Tinto plc's EBITDA was $21.5B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 0.3% from the prior year.
Rio Tinto plc reported $10.0B in net income in fiscal year 2025. This represents a decrease of 13.7% from the prior year.
Rio Tinto plc earned $6.08 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 14.0% from the prior year.
Cash & Balance Sheet
Rio Tinto plc held $8.9B in cash against $21.2B in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Rio Tinto plc's operating margin was 25.9% in fiscal year 2025, reflecting core business profitability. This is down 3.3 percentage points from the prior year.
Rio Tinto plc's net profit margin was 17.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.2 percentage points from the prior year.
Rio Tinto plc's ROE was 16.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.9 percentage points from the prior year.
Not reported for fiscal year 2025.
Capital Allocation
Rio Tinto plc invested $524.0M in research and development in fiscal year 2025. This represents an increase of 31.7% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
RIO 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 | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $57.6B+7.4% | $53.7B-0.7% | $54.0B-2.7% | $55.6B-12.5% | $63.5B+42.3% | $44.6B+3.3% | $43.2B+6.5% | $40.5B+1.2% | $40.0B+18.5% | $33.8B-3.0% | $34.8B |
| R&D Expenses | $524.0M+31.7% | $398.0M+62.4% | $245.0M+222.4% | $76.0M+16.9% | $65.0M+44.4% | $45.0M0.0% | $45.0M0.0% | $45.0M-22.4% | $58.0M-3.3% | $60.0M-42.3% | $104.0M |
| Operating Income | $14.9B-4.6% | $15.7B+5.6% | $14.8B-25.6% | $19.9B-33.1% | $29.8B+77.2% | $16.8B+46.8% | $11.5B-35.2% | $17.7B+25.1% | $14.1B+108.0% | $6.8B+88.0% | $3.6B |
| EBITDA | $21.5B-0.3% | $21.6B+7.0% | $20.2B-19.2% | $24.9B-27.7% | $34.5B+63.5% | $21.1B+33.2% | $15.8B-27.0% | $21.7B+17.2% | $18.5B+59.7% | $11.6B+40.3% | $8.3B |
| Interest Expense | $1.1B+39.2% | $763.0M-21.1% | $967.0M+188.7% | $335.0M+37.9% | $243.0M-9.3% | $268.0M-51.6% | $554.0M+0.4% | $552.0M-34.9% | $848.0M-23.7% | $1.1B+48.1% | $750.0M |
| Income Tax | $4.3B+6.9% | $4.0B+5.5% | $3.8B-31.7% | $5.6B-31.8% | $8.2B+65.0% | $5.0B+20.4% | $4.1B-2.2% | $4.2B+7.0% | $4.0B+153.0% | $1.6B+57.8% | $993.0M |
| Net Income | $10.0B-13.7% | $11.6B+14.9% | $10.1B-18.8% | $12.4B-41.3% | $21.1B+116.1% | $9.8B+22.0% | $8.0B-41.3% | $13.6B+55.6% | $8.8B+89.8% | $4.6Bn/m | -$866.0M |
| EPS (Basic) | $6.14-13.8% | $7.12+14.7% | $6.20-18.9% | $7.65-41.4% | $13.05+116.0% | $6.04+22.9% | $4.91-38.0% | $7.93 | $490.39+90.9% | $256.90n/m | -$47.50 |
| EPS (Diluted) | $6.08-14.0% | $7.07+14.7% | $6.17-18.9% | $7.60-41.3% | $12.96+116.1% | $6.00+23.0% | $4.88-38.1% | $7.88 | $486.92+90.7% | $255.30n/m | -$47.50 |
| Diluted Shares (Avg) | 1.64B+0.3% | 1.63B+0.1% | 1.63B+0.1% | 1.63B0.0% | 1.63B0.0% | 1.63B-0.8% | 1.64B-5.2% | 1.73B | 1.80B-0.5% | 1.81B-0.9% | 1.82B |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, SG&A Expenses.
RIO 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 | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $128.1B+24.6% | $102.8B-0.7% | $103.5B+7.0% | $96.8B-5.9% | $102.9B+5.7% | $97.4B+10.9% | $87.8B-3.5% | $90.9B-5.0% | $95.7B+7.2% | $89.3B | N/A |
| Current Assets | $21.6B+12.8% | $19.1B-11.1% | $21.5B+13.4% | $19.0B-22.3% | $24.4B+17.2% | $20.9B+20.5% | $17.3B-14.2% | $20.2B+8.0% | $18.7B+24.1% | $15.1B | N/A |
| Cash & Equivalents | $8.9B+4.4% | $8.5B-12.2% | $9.7B+42.8% | $6.8B-47.1% | $12.8B+23.4% | $10.4B+29.3% | $8.0B-25.5% | $10.8B+2.1% | $10.6B+28.6% | $8.2B | N/A |
| Inventory | $7.0B+18.9% | $5.9B-12.0% | $6.7B+7.2% | $6.2B+14.3% | $5.4B+38.8% | $3.9B+13.1% | $3.5B+0.5% | $3.4B-0.7% | $3.5B+18.2% | $2.9B | N/A |
| Accounts Receivable | $5.0B+17.8% | $4.2B+7.5% | $3.9B+13.4% | $3.5B-2.7% | $3.6B-1.9% | $3.6B+20.4% | $3.0B-4.8% | $3.2B-7.7% | $3.4B-0.5% | $3.5B | N/A |
| Goodwill | $2.9B+305.6% | $727.0M-8.8% | $797.0M-3.5% | $826.0M-6.0% | $879.0M-7.1% | $946.0M+2.6% | $922.0M+1.1% | $912.0M-12.1% | $1.0B+9.0% | $951.0M+6.6% | $892.0M |
| Total Liabilities | $61.1B+36.3% | $44.8B-5.1% | $47.2B+7.2% | $44.0B-4.9% | $46.3B+1.8% | $45.5B+6.9% | $42.6B+3.5% | $41.1B-7.8% | $44.6B+2.5% | $43.5B | N/A |
| Current Liabilities | $14.9B+27.1% | $11.7B-7.8% | $12.7B+9.8% | $11.6B-8.1% | $12.6B+8.8% | $11.6B+4.3% | $11.1B+5.2% | $10.6B-5.8% | $11.2B+19.9% | $9.4B | N/A |
| Non-Current Liabilities | $46.1B+39.5% | $33.1B-4.0% | $34.5B+6.3% | $32.4B-3.7% | $33.7B-0.6% | $33.9B+7.8% | $31.4B+3.9% | $30.3B-9.0% | $33.3B-2.6% | $34.1B | N/A |
| Long-Term Debt | $21.2B+72.9% | $12.3B+0.7% | $12.2B+20.0% | $10.1B-16.5% | $12.2B-8.1% | $13.2B+3.8% | $12.7B+9.1% | $11.7B-18.2% | $14.3B-14.6% | $16.7B | N/A |
| Total Equity | $62.2B+12.6% | $55.2B+1.2% | $54.6B+7.8% | $50.6B-2.5% | $51.9B+9.2% | $47.6B+17.4% | $40.5B-7.2% | $43.7B-2.3% | $44.7B+13.8% | $39.3B+5.2% | $37.3B |
| Retained Earnings | $46.6B+9.5% | $42.5B+10.9% | $38.4B+9.5% | $35.0B+5.0% | $33.3B+24.4% | $26.8B+14.6% | $23.4B-13.5% | $27.0B+13.7% | $23.8B+9.8% | $21.6B | N/A |
Not reported in any period shown, so not listed: Short-Term Investments, Long-Term Investments.
RIO 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 | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.8B+7.9% | $15.6B+2.9% | $15.2B-6.0% | $16.1B-36.3% | $25.3B+59.7% | $15.9B+6.5% | $14.9B+26.1% | $11.8B-14.9% | $13.9B+64.0% | $8.5B-9.8% | $9.4B |
| Depreciation & Amortization | $6.6B+11.1% | $5.9B+10.9% | $5.3B+6.5% | $5.0B+6.7% | $4.7B+9.8% | $4.3B-2.4% | $4.4B+9.2% | $4.0B-8.2% | $4.4B-8.7% | $4.8B+3.2% | $4.6B |
| Investing Cash Flow | -$19.3Bn/m | -$9.6Bn/m | -$7.0Bn/m | -$6.7Bn/m | -$7.2Bn/m | -$6.6Bn/m | -$5.5B-516.4% | $1.3Bn/m | -$2.4Bn/m | -$2.1Bn/m | -$4.6B |
| Financing Cash Flow | $2.8Bn/m | -$7.1Bn/m | -$5.3Bn/m | -$15.5Bn/m | -$15.9Bn/m | -$7.1Bn/m | -$12.2Bn/m | -$13.0Bn/m | -$9.1Bn/m | -$7.5Bn/m | -$7.7B |
| Dividends Paid | $6.1B-12.5% | $7.0B+8.6% | $6.5B-44.8% | $11.7B-23.6% | $15.4B+150.4% | $6.1B-40.7% | $10.3B+92.9% | $5.4B+26.0% | $4.3B+56.0% | $2.7B-33.1% | $4.1B |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $2.4B | N/A | N/A |
Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.
RIO 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 | FY2520-F | FY2420-F | FY2320-F | FY2220-F | FY2120-F | FY2020-F | FY1920-F | FY1820-F | FY1720-F | FY1620-F | FY1520-F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 25.9%-3.3pp | 29.2%+1.7pp | 27.4%-8.5pp | 35.9%-11.1pp | 47.0%+9.2pp | 37.7%+11.2pp | 26.6%-17.1pp | 43.6%+8.3pp | 35.3%+15.2pp | 20.1%+9.7pp | 10.4% |
| Net Margin | 17.3%-4.2pp | 21.5%+2.9pp | 18.6%-3.7pp | 22.3%-10.9pp | 33.3%+11.4pp | 21.9%+3.3pp | 18.6%-15.1pp | 33.7%+11.8pp | 21.9%+8.2pp | 13.7%+16.2pp | -2.5% |
| Return on Equity | 16.0%-4.9pp | 20.9%+2.5pp | 18.4%-6.0pp | 24.5%-16.2pp | 40.7%+20.1pp | 20.5%+0.8pp | 19.8%-11.5pp | 31.2%+11.6pp | 19.6%+7.9pp | 11.8%+14.1pp | -2.3% |
| Return on Assets | 7.8%-3.5pp | 11.2%+1.5pp | 9.7%-3.1pp | 12.8%-7.7pp | 20.5%+10.5pp | 10.0%+0.9pp | 9.1%-5.9pp | 15.0%+5.8pp | 9.2%+4.0pp | 5.2% | N/A |
| Current Ratio | 1.44-0.2x | 1.63-0.1x | 1.69+0.1x | 1.64-0.3x | 1.93+0.1x | 1.80+0.2x | 1.56-0.4x | 1.91+0.2x | 1.66+0.1x | 1.61 | N/A |
| Debt-to-Equity | 0.34+0.1x | 0.220.0x | 0.220.0x | 0.200.0x | 0.230.0x | 0.280.0x | 0.310.0x | 0.27-0.1x | 0.32-0.1x | 0.43 | N/A |
| Liabilities-to-Equity | 0.98+0.2x | 0.81-0.1x | 0.860.0x | 0.870.0x | 0.89-0.1x | 0.96-0.1x | 1.05+0.1x | 0.94-0.1x | 1.00-0.1x | 1.11 | N/A |
| Asset Turnover | 0.45-0.1x | 0.520.0x | 0.52-0.1x | 0.570.0x | 0.62+0.2x | 0.460.0x | 0.490.0x | 0.450.0x | 0.420.0x | 0.38 | N/A |
Not reported in any period shown, so not listed: Gross Margin, 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 |
|---|---|---|---|---|---|---|
| Rio Tinto plc RIO | FY2025 | $57.6B | $10.0B | 17.3% | $136.2B | 60/100 |
| BHP Group Limited BHP | FY2026 | $58.8B | $9.8B | 16.7% | $197.9B | 73/100 |
| Vale S.A. VALE | FY2025 | $38.4B | $2.4B | 6.1% | $52.8B | 46/100 |
| Teck Resources Limited TECK | FY2025 | $7.8B | $1.0B | 13.0% | $29.0B | 63/100 |
| MP Materials Corp. MP | FY2025 | $224.4M | -$85.9M | -38.3% | $6.8B | 33/100 |
| TMC the metals company Inc. TMC | FY2025 | N/A | -$319.8M | N/A | $1.1B | — |
Where Rio Tinto plc Ranks
Frequently Asked Questions
What is Rio Tinto plc's annual revenue?
Rio Tinto plc (RIO) reported $57.6B in total revenue for fiscal year 2025. This represents a 7.4% 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 Rio Tinto plc's revenue growing?
Rio Tinto plc (RIO) revenue grew by 7.4% year-over-year, from $53.7B to $57.6B in fiscal year 2025.
Is Rio Tinto plc profitable?
Yes, Rio Tinto plc (RIO) reported a net income of $10.0B in fiscal year 2025, with a net profit margin of 17.3%.
What is Rio Tinto plc's EBITDA?
Rio Tinto plc (RIO) had EBITDA of $21.5B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Rio Tinto plc have?
As of fiscal year 2025, Rio Tinto plc (RIO) had $8.9B in cash and equivalents against $21.2B in long-term debt.
What is Rio Tinto plc's operating margin?
Rio Tinto plc (RIO) had an operating margin of 25.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Rio Tinto plc's net profit margin?
Rio Tinto plc (RIO) had a net profit margin of 17.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Rio Tinto plc's return on equity (ROE)?
Rio Tinto plc (RIO) has a return on equity of 16.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Rio Tinto plc's operating cash flow?
Rio Tinto plc (RIO) generated $16.8B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Rio Tinto plc's total assets?
Rio Tinto plc (RIO) had $128.1B in total assets as of fiscal year 2025, including both current and long-term assets.
How much does Rio Tinto plc spend on research and development?
Rio Tinto plc (RIO) invested $524.0M in research and development during fiscal year 2025.
What is Rio Tinto plc's current ratio?
Rio Tinto plc (RIO) had a current ratio of 1.44 as of fiscal year 2025, which is considered adequate.
What is Rio Tinto plc's debt-to-equity ratio?
Rio Tinto plc (RIO) had a debt-to-equity ratio of 0.34 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Rio Tinto plc's liabilities-to-equity ratio?
Rio Tinto plc (RIO) had a liabilities-to-equity ratio of 0.98 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Rio Tinto plc's return on assets (ROA)?
Rio Tinto plc (RIO) had a return on assets of 7.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Rio Tinto plc's P/E ratio?
Rio Tinto plc (RIO) trades at 13.7x earnings, its market capitalization divided by $10.0B net income, FY2025. The market capitalization is $136.2B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Rio Tinto plc's price-to-sales ratio?
Rio Tinto plc (RIO) trades at 2.4x sales, its market capitalization divided by $57.6B revenue, FY2025. The market capitalization is $136.2B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Rio Tinto plc's Altman Z-Score?
Rio Tinto plc (RIO) has an Altman Z-Score of 2.74, 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 Rio Tinto plc's Piotroski F-Score?
Rio Tinto plc (RIO) has a Piotroski F-Score of 3 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 Rio Tinto plc's earnings high quality?
Rio Tinto plc (RIO) has an earnings quality ratio of 1.69x, 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 Rio Tinto plc cover its interest payments?
Rio Tinto plc (RIO) has an interest coverage ratio of 14.06x, 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 Rio Tinto plc?
Rio Tinto plc (RIO) scores 60 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average 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. For Rio Tinto plc it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.