Interface Inc (TILE) 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 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Aug 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TILE SEC filings page.
Interface Inc (TILE) reported $1.4B in revenue over the twelve months to Jul 5, 2026, up 6.5% 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).
Interface is turning modest sales growth into wider margins, stronger cash conversion, and a balance sheet financed with far less debt.
Across FY2023-FY2025, operating cash flow remained above net income, while free cash flow stayed near9% of revenue in FY2024 and FY2025. That pairing suggests the reported profit improvement was accompanied by cash, rather than created mainly through accrual timing.
Revenue reached about
Debt-to-equity fell from 1.4x in FY2021 to 0.3x in FY2025, reducing the balance sheet’s reliance on creditor financing. Total liabilities fell 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 Interface 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.
Interface Inc has an operating margin of 11.8%, meaning the company retains $12 of operating profit per $100 of revenue. This strong profitability earns a score of 71/100, reflecting efficient cost management and pricing power. This is up from 10.2% the prior year.
Interface Inc's revenue grew 5.4% year-over-year to $1.4B, a solid pace of expansion. This earns a growth score of 49/100.
Interface Inc has a moderate D/E ratio of 0.27. This balance of debt and equity financing earns a leverage score of 61/100.
With a current ratio of 2.34, Interface Inc holds $2.34 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 67/100.
Interface Inc has a free cash flow margin of 8.8%, earning a moderate score of 62/100. The company generates positive cash flow after capital investments, but with room for improvement.
Interface Inc earns a strong 18.1% return on equity (ROE), meaning it generates $18 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 77/100. This is up from 17.8% the prior year.
Interface Inc scores 4.66, 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.
Interface Inc passes 8 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Interface Inc generates $1.45 in operating cash flow ($167.9M OCF vs $116.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Interface Inc earns $8.39 in operating income for every $1 of interest expense ($164.0M vs $19.5M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Interface Inc generated $395.7M in revenue in Q3 2026. This represents an increase of 8.6% from the same quarter a year earlier. Against the prior quarter it is up 19.5%.
Interface Inc's EBITDA was $84.8M in Q3 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 34.0% from the same quarter a year earlier. Against the prior quarter it is up 101.0%.
Interface Inc reported $51.4M in net income in Q3 2026. This represents an increase of 11.4% from the same quarter a year earlier. Against the prior quarter it is up 117.7%.
Interface Inc earned $0.88 per diluted share (EPS) in Q3 2026. This represents an increase of 12.8% from the same quarter a year earlier. Against the prior quarter it is up 120.0%.
Cash & Balance Sheet
Interface Inc generated $26.1M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 60.4% from the same quarter a year earlier. Against the prior quarter it is up 714.4%.
Interface Inc held $81.5M in cash against $195.6M in long-term debt as of Q3 2026.
Interface Inc paid $0.03 per share in dividends in Q3 2026. This represents an increase of 50.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Interface Inc's gross margin was 45.0% in Q3 2026, indicating the percentage of revenue retained after direct costs. This is up 5.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.7 percentage points.
Interface Inc's operating margin was 18.9% in Q3 2026, reflecting core business profitability. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 9.2 percentage points.
Interface Inc's net profit margin was 13.0% in Q3 2026, showing the share of revenue converted to profit. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.9 percentage points.
Interface Inc's ROE was 7.6% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.9 percentage points.
Capital Allocation
Interface Inc spent $8.8M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 926.3% from the same quarter a year earlier. Against the prior quarter it is down 26.7%.
Interface Inc invested $12.2M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 14.5% from the same quarter a year earlier. Against the prior quarter it is up 18.1%.
Not reported for Q3 2026.
TILE 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 | Q3'2610-Q | Q2'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $395.7M+8.6% | $331.0M-11.8% | $349.4M+4.3% | $364.5M+5.9% | $375.5M+8.3% | $297.4M+2.6% | $335.0M+7.7% | $344.3M+4.5% |
| Cost of Revenue | $217.6M-1.5% | $204.3M-10.2% | $214.6M+0.9% | $220.9M+2.0% | $227.5M+1.6% | $186.4M+4.0% | $212.7M+6.0% | $216.6M-0.5% |
| Gross Profit | $178.1M+24.0% | $126.7M-14.4% | $134.8M+10.2% | $143.6M+12.5% | $148.0M+20.7% | $111.0M+0.5% | $122.3M+10.9% | $127.6M+14.2% |
| SG&A Expenses | $103.2M+14.3% | $94.4M-1.6% | $99.4M+7.3% | $90.3M+5.6% | $95.9M+13.6% | $87.7M+2.1% | $92.7M+16.9% | $85.5M-0.1% |
| Operating Income | $74.9M+40.4% | $32.3M-37.9% | $35.4M+19.3% | $53.4M+26.5% | $52.0M+36.4% | $23.2M-5.0% | $29.6M-4.4% | $42.2M+45.9% |
| EBITDA | $84.8M+34.0% | $42.2M-31.8% | $45.1M+13.6% | $63.3M+21.5% | $61.9M+29.2% | $32.6M-4.2% | $39.7M-4.1% | $52.1M+33.3% |
| Interest Expense | $2.4M-43.6% | $2.7M-40.0% | $6.5M+32.5% | $4.2M-26.4% | $4.4M-28.0% | $4.4M-31.3% | $4.9M-40.1% | $5.7M-31.2% |
| Income Tax | $19.4M+728.4% | $5.3M-54.6% | $2.7M-52.1% | $2.3M-69.3% | $11.6M+35.4% | $4.1M-14.8% | $5.6M-10.8% | $7.6M+43.4% |
| Net Income | $51.4M+11.4% | $23.6M-27.5% | $24.4M+12.1% | $46.1M+62.2% | $32.6M+44.3% | $13.0M-8.3% | $21.8M+120.3% | $28.4M+80.1% |
| EPS (Basic) | $0.89+12.7% | $0.41-26.8% | $0.42+13.5% | $0.79+61.2% | $0.56+43.6% | $0.22-8.3% | $0.37+117.6% | $0.49+81.5% |
| EPS (Diluted) | $0.88+12.8% | $0.40-27.3% | $0.41+10.8% | $0.78+62.5% | $0.55+44.7% | $0.22-8.3% | $0.37+117.6% | $0.48+77.8% |
| Diluted Shares (Avg) | 58M-1.4% | 59M-0.1% | N/A | 59M+0.4% | 59M+0.6% | 59M+0.8% | N/A | 59M+1.2% |
Not reported in any period shown, so not listed: R&D Expenses.
TILE 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 | Q3'2610-Q | Q2'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B-4.5% | $1.2B-5.7% | $1.2B+3.0% | $1.3B+7.0% | $1.3B+5.1% | $1.2B-0.1% | $1.2B-2.6% | $1.2B+1.9% |
| Current Assets | $625.6M-10.0% | $562.3M-12.6% | $554.8M-1.7% | $695.1M+14.3% | $643.1M+8.7% | $579.4M+2.4% | $564.3M-3.7% | $608.2M+4.6% |
| Cash & Equivalents | $81.5M-56.5% | $61.2M-49.7% | $71.3M-28.1% | $187.4M+62.1% | $121.7M+29.2% | $97.8M+8.9% | $99.2M-17.1% | $115.6M+24.4% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $291.6M+1.7% | $294.2M+2.1% | $275.0M+5.5% | $286.8M+1.3% | $288.2M+2.5% | $281.7M-4.9% | $260.6M-9.9% | $283.1M-1.8% |
| Accounts Receivable | $210.0M+12.2% | $163.3M-15.9% | $174.5M+1.9% | $187.1M+7.6% | $194.3M+8.2% | $162.8M+10.6% | $171.1M+18.9% | $173.9M+4.5% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | N/A | N/A | $112.1M+12.3% | N/A | N/A | N/A | $99.9M | N/A |
| Total Liabilities | $591.9M-16.6% | $571.2M-18.8% | $565.8M-17.0% | $709.6M-4.3% | $703.2M-8.1% | $678.7M-11.3% | $681.7M-16.3% | $741.7M-11.2% |
| Current Liabilities | $247.5M+3.0% | $231.3M+3.5% | $237.1M+9.4% | $240.2M+1.6% | $223.5M+4.1% | $210.2M+1.2% | $216.7M+3.1% | $236.4M+21.6% |
| Non-Current Liabilities | $344.4M-26.6% | $339.9M-29.1% | $328.8M-29.3% | $469.4M-7.1% | $479.6M-12.8% | $468.6M-15.9% | $465.0M-23.0% | $505.3M-21.1% |
| Long-Term Debt | $195.6M-36.4% | $187.7M-38.2% | $172.8M-42.8% | $307.3M-6.7% | $303.9M-19.8% | $302.4M-21.1% | $302.3M-30.7% | $329.3M-29.2% |
| Total Equity | $678.4M+9.2% | $634.6M+10.4% | $640.7M+31.0% | $621.0M+23.8% | $575.0M+27.5% | $513.1M+19.7% | $489.1M+26.2% | $501.6M+30.3% |
| Retained Earnings | $589.4M+19.1% | $539.7M+20.0% | $518.0M+27.8% | $494.8M+28.8% | $449.8M+26.2% | $417.8M+24.9% | $405.4M+34.3% | $384.3M+31.3% |
TILE 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 | Q3'2610-Q | Q2'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $38.4M-50.0% | $13.5M-55.1% | $49.3M+29.6% | $76.7M+0.7% | $30.1M+39.9% | $11.7M-7.0% | $38.0M-42.6% | $76.2M+315.6% |
| Depreciation & Amortization | $9.9M-0.2% | $9.9M+0.5% | $9.8M-3.3% | $9.9M+0.3% | $9.8M+1.0% | $9.4M-2.2% | $10.1M-3.4% | $9.9M-2.5% |
| Stock-Based Compensation | N/A | $5.0M | N/A | N/A | N/A | $4.1M+5.9% | N/A | N/A |
| Capital Expenditures | $12.2M+14.5% | $10.3M+40.4% | $20.7M+51.4% | $10.7M+63.9% | $7.4M-23.2% | $7.5M+85.1% | $13.7M+131.6% | $6.5M+15.7% |
| Free Cash Flow | $26.1M-60.4% | $3.2M-85.9% | $28.6M+17.4% | $66.1M-5.2% | $22.8M+90.3% | $4.3M-50.2% | $24.4M-59.7% | $69.7M+448.1% |
| Investing Cash Flow | -$12.2M-14.5% | -$10.3M-40.4% | -$20.7M-51.4% | -$10.7M-107.8% | -$7.4M+23.2% | -$7.5M-274.7% | -$13.7M-131.6% | -$5.1M-626.4% |
| Financing Cash Flow | -$5.5M-2043.5% | -$12.4M-144.1% | -$145.3M-307.1% | -$255K+99.5% | -$5.1M+29.4% | -$8.7M+70.9% | -$35.7M-12.3% | -$52.6M-87.6% |
| Dividends Paid | $3.5M+197.7% | $138K-88.2% | $1.2M+99.3% | $1.2M+101.0% | $1.2M+0.5% | $54K+800.0% | $583K+0.3% | $582K-49.9% |
| Share Buybacks | $8.8M+926.3% | $12.0M+180.0% | $13.0M | $857K | $4.3M | $0 | $0 | $0 |
TILE 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 | Q3'2610-Q | Q2'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 45.0%+5.6pp | 38.3%-1.1pp | 38.6%+2.1pp | 39.4%+2.3pp | 39.4%+4.0pp | 37.3%-0.8pp | 36.5%+1.1pp | 37.1%+3.1pp |
| Operating Margin | 18.9%+4.3pp | 9.8%-4.1pp | 10.1%+1.3pp | 14.6%+2.4pp | 13.9%+2.8pp | 7.8%-0.6pp | 8.8%-1.1pp | 12.3%+3.5pp |
| Net Margin | 13.0%+0.3pp | 7.1%-1.5pp | 7.0%+0.5pp | 12.7%+4.4pp | 8.7%+2.2pp | 4.4%-0.5pp | 6.5%+3.3pp | 8.3%+3.5pp |
| Return on Equity | 7.6%+0.2pp | 3.7%-1.9pp | 3.8%-0.6pp | 7.4%+1.8pp | 5.7%+0.7pp | 2.5%-0.8pp | 4.5%+1.9pp | 5.7%+1.6pp |
| Return on Assets | 4.0%+0.6pp | 2.0%-0.6pp | 2.0%+0.2pp | 3.5%+1.2pp | 2.5%+0.7pp | 1.1%-0.1pp | 1.9%+1.0pp | 2.3%+1.0pp |
| Current Ratio | 2.53-0.4x | 2.43-0.4x | 2.34-0.3x | 2.89+0.3x | 2.88+0.1x | 2.760.0x | 2.60-0.2x | 2.57-0.4x |
| Debt-to-Equity | 0.29-0.2x | 0.30-0.2x | 0.27-0.3x | 0.49-0.2x | 0.53-0.3x | 0.59-0.3x | 0.62-0.5x | 0.66-0.6x |
| Asset Turnover | 0.310.0x | 0.270.0x | 0.290.0x | 0.270.0x | 0.290.0x | 0.250.0x | 0.290.0x | 0.280.0x |
| FCF Margin | 6.6%-11.5pp | 1.0%-5.1pp | 8.2%+0.9pp | 18.1%-2.1pp | 6.1%+2.6pp | 1.4%-1.5pp | 7.3%-12.2pp | 20.3%+16.4pp |
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 |
|---|---|---|---|---|---|---|
| Interface Inc TILE | FY2025 | $1.4B | $116.1M | 8.4% | $2.0B | 65/100 |
| MasterBrand, Inc. MBC | FY2025 | $2.7B | $26.7M | 1.0% | $1.4B | 46/100 |
| MillerKnoll, Inc. MLKN | FY2026 | $3.8B | $91.5M | 2.4% | $1.4B | 40/100 |
| Steelcase, Inc. SCS | FY2025 | $3.2B | $120.7M | 3.8% | $1.9B | 46/100 |
| La-Z-Boy Incorporated LZB | FY2026 | $2.1B | $102.0M | 4.8% | $1.2B | 52/100 |
| Leggett & Platt, Inc. LEG | FY2025 | $4.1B | $235.4M | 5.8% | $1.3B | 28/100 |
Where Interface Inc Ranks
Frequently Asked Questions
What is Interface Inc's annual revenue?
Interface Inc (TILE) reported $1.4B in total revenue for fiscal year 2025. This represents a 5.4% 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 Interface Inc's revenue growing?
Interface Inc (TILE) revenue grew by 5.4% year-over-year, from $1.3B to $1.4B in fiscal year 2025.
Is Interface Inc profitable?
Yes, Interface Inc (TILE) reported a net income of $116.1M in fiscal year 2025, with a net profit margin of 8.4%.
What is Interface Inc's EBITDA?
Interface Inc (TILE) had EBITDA of $202.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Interface Inc have?
As of fiscal year 2025, Interface Inc (TILE) had $71.3M in cash and equivalents against $172.8M in long-term debt.
What is Interface Inc's gross margin?
Interface Inc (TILE) had a gross margin of 38.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Interface Inc's operating margin?
Interface Inc (TILE) had an operating margin of 11.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Interface Inc's net profit margin?
Interface Inc (TILE) had a net profit margin of 8.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Interface Inc pay dividends?
Yes, Interface Inc (TILE) paid $0.06 per share in dividends during fiscal year 2025.
What is Interface Inc's return on equity (ROE)?
Interface Inc (TILE) has a return on equity of 18.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Interface Inc's free cash flow?
Interface Inc (TILE) generated $121.7M in free cash flow during fiscal year 2025. This represents a 6.2% 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 Interface Inc's operating cash flow?
Interface Inc (TILE) generated $167.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Interface Inc's total assets?
Interface Inc (TILE) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Interface Inc's capital expenditures?
Interface Inc (TILE) invested $46.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Interface Inc spend on research and development?
Interface Inc (TILE) invested $16.1M in research and development during fiscal year 2025.
What is Interface Inc's current ratio?
Interface Inc (TILE) had a current ratio of 2.34 as of fiscal year 2025, which is generally considered healthy.
What is Interface Inc's debt-to-equity ratio?
Interface Inc (TILE) had a debt-to-equity ratio of 0.27 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Interface Inc's return on assets (ROA)?
Interface Inc (TILE) had a return on assets of 9.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Interface Inc's P/E ratio?
Interface Inc (TILE) trades at 13.9x earnings, its market capitalization divided by net income of $145.6M net income, trailing 12 months to July 5, 2026. The market capitalization is $2.0B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Interface Inc's price-to-sales ratio?
Interface Inc (TILE) trades at 1.4x sales, its market capitalization divided by revenue of $1.4B revenue, trailing 12 months to July 5, 2026. The market capitalization is $2.0B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Interface Inc's Altman Z-Score?
Interface Inc (TILE) has an Altman Z-Score of 4.66, 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 Interface Inc's Piotroski F-Score?
Interface Inc (TILE) has a Piotroski F-Score of 8 out of 9, indicating strong 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 Interface Inc's earnings high quality?
Interface Inc (TILE) has an earnings quality ratio of 1.45x, 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 Interface Inc cover its interest payments?
Interface Inc (TILE) has an interest coverage ratio of 8.39x, 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 Interface Inc?
Interface Inc (TILE) scores 65 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.