Signet Jewelers Limited (SIG) 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 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2027, filed Sep 9, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SIG SEC filings page.
Signet Jewelers Limited (SIG) reported $6.8B in revenue for fiscal year 2026, up 1.6% from the prior fiscal year. 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 has stabilized, but profitability remains cost-sensitive: stable gross margins coexist with operating earnings far more volatile than sales.
Revenue contracted from$7.83B in FY2022 to$6.70B in FY2025 without gross margin losing much ground, indicating the pressure was not primarily product cost inflation. Gross margin stayed broadly stable, yet operating margin fell from11.5% to1.7% , showing that selling and administrative costs became much harder to absorb at lower sales volumes.
In FY2026, operating cash flow reached
Inventory-heavy working capital remains central: inventory was
Financial Health Signals
Scored against operating companies for FY2026. 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 Signet Jewelers Limited'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.
Signet Jewelers Limited has an operating margin of 5.8%, meaning the company retains $6 of operating profit per $100 of revenue. This results in a moderate score of 53/100, indicating healthy but not exceptional operating efficiency. This is up from 1.7% the prior year.
Signet Jewelers Limited's revenue grew a modest 1.6% year-over-year to $6.8B. This slow but positive growth earns a score of 22/100.
Signet Jewelers Limited has a moderate D/E ratio of 2.03. This balance of debt and equity financing earns a leverage score of 31/100.
Signet Jewelers Limited's current ratio of 1.60 indicates adequate short-term liquidity, earning a score of 46/100. The company can meet its near-term obligations, though with limited headroom.
Signet Jewelers Limited has a free cash flow margin of 7.7%, earning a moderate score of 54/100. The company generates positive cash flow after capital investments, but with room for improvement.
Signet Jewelers Limited's ROE of 15.0% shows moderate profitability relative to equity, earning a score of 59/100. This is up from 3.3% the prior year.
Signet Jewelers Limited scores 3.21, 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.
Signet Jewelers Limited passes 7 of 8 computable financial strength tests (1 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Signet Jewelers Limited generates $2.31 in operating cash flow ($678.8M OCF vs $294.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Signet Jewelers Limited earns $98.28 in operating income for every $1 of interest expense ($393.1M vs $4.0M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Signet Jewelers Limited generated $1.5B in revenue in Q3 2027. This represents a decrease of 0.5% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.
Signet Jewelers Limited's EBITDA was $122.6M in Q3 2027, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 208.0% from the same quarter a year earlier. Against the prior quarter it is up 71.2%.
Signet Jewelers Limited reported $52.1M in net income in Q3 2027. This represents an increase of 672.5% from the same quarter a year earlier. Against the prior quarter it is up 64.4%.
Signet Jewelers Limited earned $1.33 per diluted share (EPS) in Q3 2027. This represents an increase of 704.5% from the same quarter a year earlier. Against the prior quarter it is up 70.5%.
Cash & Balance Sheet
Signet Jewelers Limited generated $30.8M in free cash flow in Q3 2027, representing cash available after capex. This represents a decrease of 50.6% from the same quarter a year earlier. Against the prior quarter it is up 118.2%.
Signet Jewelers Limited held $526.8M in cash as of Q3 2027; long-term debt is not reported for that period.
Signet Jewelers Limited paid $0.35 per share in dividends in Q3 2027. This represents an increase of 9.4% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Signet Jewelers Limited's gross margin was 39.4% in Q3 2027, indicating the percentage of revenue retained after direct costs. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.6 percentage points.
Signet Jewelers Limited's operating margin was 5.7% in Q3 2027, reflecting core business profitability. This is up 5.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.3 percentage points.
Signet Jewelers Limited's net profit margin was 3.4% in Q3 2027, showing the share of revenue converted to profit. This is up 4.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.4 percentage points.
Signet Jewelers Limited's ROE was 2.8% in Q3 2027, measuring profit generated per dollar of shareholder equity. This is up 3.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.
Capital Allocation
Signet Jewelers Limited spent $87.2M on share buybacks in Q3 2027, returning capital to shareholders by reducing shares outstanding. This represents an increase of 170.0% from the same quarter a year earlier. Against the prior quarter it is up 5.4%.
Signet Jewelers Limited invested $40.4M in capex in Q3 2027, funding long-term assets and infrastructure. This represents an increase of 68.3% from the same quarter a year earlier. Against the prior quarter it is up 64.9%.
Not reported for Q3 2027.
SIG 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 | Q3'2710-Q | Q2'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-K | Q4'2510-Q | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.5B-0.5% | $1.6B+0.8% | $1.4B+3.1% | $1.5B+3.0% | $1.5B+2.0% | $2.3B-12.5% | $1.3B | $1.5B+7.1% |
| Cost of Revenue | $925.7M-1.9% | $997.1M+5.8% | $873.0M+1.0% | $943.2M+2.0% | $942.8M+0.5% | $1.3B-11.1% | $864.1M | $924.7M+3.8% |
| Gross Profit | $602.4M+1.8% | $556.5M-7.1% | $518.8M+6.9% | $591.9M+4.5% | $598.8M+4.6% | $975.2M-14.5% | $485.3M | $566.3M+13.0% |
| SG&A Expenses | $493.6M-2.3% | $509.6M-3.1% | $485.3M+3.3% | $505.3M+1.4% | $526.0M+2.1% | $628.6M-8.5% | $469.6M | $498.4M+2.9% |
| Operating Income | $87.5M+3025.0% | $36.9M-23.3% | $23.9M+159.8% | $2.8M+102.8% | $48.1M-3.4% | $154.3M-67.0% | $9.2M | -$100.9M-858.6% |
| EBITDA | $122.6M+208.0% | $71.6M-15.9% | $60.8M+34.2% | $39.8M+163.2% | $85.1M-1.5% | $191.5M-62.2% | $45.3M | -$63.0M-212.5% |
| Interest Expense | N/A | $3.6M+350.0% | -$100K+90.0% | -$100K-104.2% | $800K-90.7% | $7.6M+33.3% | -$1.0M | $2.4M-7.7% |
| Income Tax | $20.8M+46.5% | $9.1M-24.8% | $5.2M+271.4% | $14.2M+787.5% | $12.1M+86.2% | $47.9M+124.4% | $1.4M | $1.6M-15.8% |
| Net Income | $52.1M+672.5% | $31.7M-5.4% | $20.0M+185.7% | -$9.1M+90.8% | $33.5M-35.7% | $119.2M-82.2% | $7.0M | -$98.5M-941.9% |
| EPS (Basic) | $1.34+709.1% | $0.790.0% | $0.49+308.3% | -$0.22+90.4% | $0.79+187.8% | $2.26-83.6% | $0.12 | -$2.28-3357.1% |
| EPS (Diluted) | $1.33+704.5% | $0.780.0% | $0.49+308.3% | -$0.22+90.4% | $0.78+186.7% | $2.26-80.6% | $0.12 | -$2.28 |
| Diluted Shares (Avg) | 39M-4.4% | 40M-5.4% | 41M-7.8% | 41M-7.6% | 43M-4.3% | N/A | 45M | 45M |
Not reported in any period shown, so not listed: R&D Expenses.
SIG 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 | Q3'2710-Q | Q2'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-K | Q4'2510-Q | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.6B+4.6% | $5.7B+5.1% | $5.4B-4.8% | $5.3B-4.8% | $5.5B-11.4% | $5.7B-15.9% | $5.7B | $5.6B-7.4% |
| Current Assets | $2.7B+10.3% | $2.8B+14.2% | $2.6B+1.1% | $2.5B-4.3% | $2.5B-15.6% | $2.7B-23.3% | $2.5B | $2.6B-14.7% |
| Cash & Equivalents | $526.8M+87.2% | $602.8M+128.2% | $234.7M+48.8% | $281.4M-30.2% | $264.1M-63.8% | $604.0M-56.2% | $157.7M | $403.1M-37.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $2.0B-1.4% | $2.0B-0.6% | $2.1B-1.1% | $2.0B+0.5% | $2.0B+1.2% | $1.9B0.0% | $2.1B | $2.0B-5.7% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $433.8M+1.3% | $428.4M-11.1% | $428.4M-32.2% | $428.4M-32.2% | $482.0M-36.1% | $482.0M-36.1% | $631.5M | $631.5M-16.3% |
| Total Liabilities | $3.8B+3.8% | $3.8B+4.2% | $3.7B-5.1% | $3.6B+4.1% | $3.7B-1.7% | $3.9B-2.9% | $3.9B | $3.5B-9.5% |
| Current Liabilities | $1.7B+3.6% | $1.7B+5.9% | $1.7B+4.8% | $1.6B+4.9% | $1.6B-5.8% | $1.8B-7.3% | $1.6B | $1.5B-18.4% |
| Non-Current Liabilities | $2.1B+4.0% | $2.1B+2.9% | $2.0B-12.2% | $2.0B+3.4% | $2.0B+1.8% | $2.0B+1.4% | $2.3B | $1.9B-1.0% |
| Long-Term Debt | N/A | N/A | $0-100.0% | N/A | $0 | $0 | $253.0M | $0 |
| Total Equity | $1.8B+6.2% | $1.9B+6.8% | $1.7B-4.3% | $1.7B-9.9% | $1.8B-14.7% | $1.9B-14.5% | $1.8B | $1.9B+21.9% |
| Retained Earnings | $4.0B+8.0% | $4.0B+6.3% | $3.7B+2.5% | $3.7B+2.1% | $3.8B-0.4% | $3.7B-2.3% | $3.7B | $3.7B+13.5% |
Not reported in any period shown, so not listed: Accounts Receivable.
SIG 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 | Q3'2710-Q | Q2'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-K | Q4'2510-Q | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $71.2M-17.5% | -$144.7M+17.5% | $31.0M+141.1% | $86.3M+97.0% | -$175.3M-10.8% | $780.7M+3.8% | -$75.4M | $43.8M-8.8% |
| Depreciation & Amortization | $35.1M-5.1% | $34.7M-6.2% | $36.9M+2.2% | $37.0M-2.4% | $37.0M+1.1% | $37.6M+15.7% | $36.1M | $37.9M-11.2% |
| Stock-Based Compensation | N/A | $7.5M+7.1% | N/A | N/A | $7.0M-7.9% | N/A | N/A | N/A |
| Capital Expenditures | $40.4M+68.3% | $24.5M-33.1% | $32.5M-48.5% | $24.0M-14.3% | $36.6M+57.1% | $38.6M+6.9% | $63.1M | $28.0M-17.6% |
| Free Cash Flow | $30.8M-50.6% | -$169.2M+20.2% | -$1.5M+98.9% | $62.3M+294.3% | -$211.9M-16.7% | $742.1M+3.6% | -$138.5M | $15.8M+12.9% |
| Investing Cash Flow | -$42.2M-75.1% | -$23.9M+34.7% | -$34.4M+46.1% | -$24.1M+32.5% | -$36.6M-70.2% | -$38.1M-310.5% | -$63.8M | -$35.7M-8.2% |
| Financing Cash Flow | -$101.3M-123.6% | -$102.6M+25.3% | -$41.5M+61.1% | -$45.3M+86.5% | -$137.3M+70.6% | -$291.0M-627.5% | -$106.6M | -$334.4M-498.2% |
| Dividends Paid | $13.8M+4.5% | $13.0M+3.2% | $13.1M+1.6% | $13.2M+2.3% | $12.6M+23.5% | $12.6M+23.5% | $12.9M | $12.9M+25.2% |
| Share Buybacks | $87.2M+170.0% | $82.7M-29.6% | $28.5M-57.2% | $32.3M-18.8% | $117.4M+1486.5% | $24.2M+11.0% | $66.6M | $39.8M+13.4% |
SIG 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 | Q3'2710-Q | Q2'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-K | Q4'2510-Q | Q3'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 39.4%+0.9pp | 35.8%-3.0pp | 37.3%+1.3pp | 38.6%+0.6pp | 38.8%+1.0pp | 42.0%-1.0pp | 36.0% | 38.0%+2.0pp |
| Operating Margin | 5.7%+5.5pp | 2.4%-0.7pp | 1.7%+1.0pp | 0.2%+6.9pp | 3.1%-0.2pp | 6.7%-11.0pp | 0.7% | -6.8%-7.7pp |
| Net Margin | 3.4%+4.0pp | 2.0%-0.1pp | 1.4%+0.9pp | -0.6%+6.0pp | 2.2%-1.3pp | 5.1%-20.2pp | 0.5% | -6.6%-7.5pp |
| Return on Equity | 2.8%+3.4pp | 1.7%-0.2pp | 1.2%+0.8pp | -0.5%+4.6pp | 1.9%-0.6pp | 6.4%-24.6pp | 0.4% | -5.1%-5.9pp |
| Return on Assets | 0.9%+1.1pp | 0.5%-0.1pp | 0.4%+0.3pp | -0.2%+1.6pp | 0.6%-0.2pp | 2.1%-7.8pp | 0.1% | -1.8%-1.9pp |
| Current Ratio | 1.64+0.1x | 1.62+0.1x | 1.50-0.1x | 1.54-0.1x | 1.50-0.2x | 1.48-0.3x | 1.55 | 1.69+0.1x |
| Debt-to-Equity | 2.040.0x | 2.02+2.0x | 0.00-0.1x | 2.09+2.1x | 0.000.0x | 0.000.0x | 0.14 | 0.000.0x |
| Asset Turnover | 0.270.0x | 0.270.0x | 0.260.0x | 0.290.0x | 0.280.0x | 0.410.0x | 0.24 | 0.270.0x |
| FCF Margin | 2.0%-2.0pp | -10.9%+2.9pp | -0.1%+10.1pp | 4.1%+3.0pp | -13.8%-1.7pp | 32.0%+5.0pp | -10.3% | 1.1%+0.1pp |
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 |
|---|---|---|---|---|---|---|
| Signet Jewelers Limited SIG | FY2026 | $6.8B | $294.4M | 4.3% | $4.5B | 44/100 |
| Capri Holdings Limited CPRI | FY2026 | $3.5B | $79.0M | 2.3% | $1.8B | 30/100 |
| Tapestry, Inc. TPR | FY2026 | $8.0B | $1.5B | 19.1% | $23.8B | 69/100 |
| The RealReal, Inc. REAL | FY2025 | $692.8M | N/A | N/A | $1.3B | 27/100 |
| Movado Group, Inc. MOV | FY2026 | $671.3M | $26.6M | 4.0% | $732.7M | 55/100 |
| Lanvin Group Holdings Limited LANV | FY2025 | $78.2M | -$26.0M | -33.2% | $101.6M | — |
Where Signet Jewelers Limited Ranks
Frequently Asked Questions
What is Signet Jewelers Limited's annual revenue?
Signet Jewelers Limited (SIG) reported $6.8B in total revenue for fiscal year 2026. This represents a 1.6% 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 Signet Jewelers Limited's revenue growing?
Signet Jewelers Limited (SIG) revenue grew by 1.6% year-over-year, from $6.7B to $6.8B in fiscal year 2026.
Is Signet Jewelers Limited profitable?
Yes, Signet Jewelers Limited (SIG) reported a net income of $294.4M in fiscal year 2026, with a net profit margin of 4.3%.
What is Signet Jewelers Limited's EBITDA?
Signet Jewelers Limited (SIG) had EBITDA of $540.6M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.
What is Signet Jewelers Limited's gross margin?
Signet Jewelers Limited (SIG) had a gross margin of 39.6% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.
What is Signet Jewelers Limited's operating margin?
Signet Jewelers Limited (SIG) had an operating margin of 5.8% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.
What is Signet Jewelers Limited's net profit margin?
Signet Jewelers Limited (SIG) had a net profit margin of 4.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does Signet Jewelers Limited pay dividends?
Yes, Signet Jewelers Limited (SIG) paid $1.28 per share in dividends during fiscal year 2026.
What is Signet Jewelers Limited's return on equity (ROE)?
Signet Jewelers Limited (SIG) has a return on equity of 15.0% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Signet Jewelers Limited's free cash flow?
Signet Jewelers Limited (SIG) generated $525.3M in free cash flow during fiscal year 2026. This represents a 20.0% 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 Signet Jewelers Limited's operating cash flow?
Signet Jewelers Limited (SIG) generated $678.8M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are Signet Jewelers Limited's total assets?
Signet Jewelers Limited (SIG) had $6.0B in total assets as of fiscal year 2026, including both current and long-term assets.
What are Signet Jewelers Limited's capital expenditures?
Signet Jewelers Limited (SIG) invested $153.5M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Signet Jewelers Limited's current ratio?
Signet Jewelers Limited (SIG) had a current ratio of 1.60 as of fiscal year 2026, which is generally considered healthy.
What is Signet Jewelers Limited's debt-to-equity ratio?
Signet Jewelers Limited (SIG) had a debt-to-equity ratio of 2.03 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Signet Jewelers Limited's return on assets (ROA)?
Signet Jewelers Limited (SIG) had a return on assets of 5.0% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is Signet Jewelers Limited's P/E ratio?
Signet Jewelers Limited (SIG) trades at 15.4x earnings, its market capitalization divided by net income of $294.4M net income, FY2026. The market capitalization is $4.5B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Signet Jewelers Limited's price-to-sales ratio?
Signet Jewelers Limited (SIG) trades at 0.7x sales, its market capitalization divided by revenue of $6.8B revenue, FY2026. The market capitalization is $4.5B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Signet Jewelers Limited's Altman Z-Score?
Signet Jewelers Limited (SIG) has an Altman Z-Score of 3.21, 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 Signet Jewelers Limited's Piotroski F-Score?
Signet Jewelers Limited (SIG) has a Piotroski F-Score of 7 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 Signet Jewelers Limited's earnings high quality?
Signet Jewelers Limited (SIG) has an earnings quality ratio of 2.31x, 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 Signet Jewelers Limited cover its interest payments?
Signet Jewelers Limited (SIG) has an interest coverage ratio of 98.28x, 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 Signet Jewelers Limited?
Signet Jewelers Limited (SIG) scores 44 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.