The Timken Company (TKR) 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 3, 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 Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TKR SEC filings page.
The Timken Company (TKR) reported $4.8B in revenue over the twelve months to Jun 30, 2026, up 5.5% 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).
Timken's recent model produces more free cash despite weaker margins, while debt pressure eases as equity expands.
Net margin fell to6.3% in FY2025 while operating cash flow reached$554M , indicating earnings compression did not translate proportionally into cash generation. Free cash flow reached$406M as capital spending fell to$148M , so the cash improvement came partly from lighter reinvestment rather than stronger accounting profits.
Revenue was broadly flat in FY2025, but operating margin compressed to
Debt-to-equity fell to 0.6x in FY2025 as equity expanded 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 The Timken Company'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.
The Timken Company 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 80/100, reflecting efficient cost management and pricing power. This is down from 13.4% the prior year.
The Timken Company's revenue grew a modest 0.2% year-over-year to $4.6B. This slow but positive growth earns a score of 24/100.
The Timken Company has a moderate D/E ratio of 0.59. This balance of debt and equity financing earns a leverage score of 32/100.
With a current ratio of 2.82, The Timken Company holds $2.82 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 76/100.
The Timken Company has a free cash flow margin of 8.9%, earning a moderate score of 59/100. The company generates positive cash flow after capital investments, but with room for improvement.
The Timken Company earns a strong 9.1% return on equity (ROE), meaning it generates $9 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 76/100. This is down from 12.5% the prior year.
The Timken Company scores 3.27, 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.
The Timken Company passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, The Timken Company generates $1.92 in operating cash flow ($554.3M OCF vs $288.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
The Timken Company earns $4.90 in operating income for every $1 of interest expense ($540.6M vs $110.3M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
The Timken Company generated $1.3B in revenue in Q2 2026. This represents an increase of 7.5% from the same quarter a year earlier. Against the prior quarter it is up 2.4%.
The Timken Company's EBITDA was $144.5M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 29.5% from the same quarter a year earlier. Against the prior quarter it is down 36.5%.
The Timken Company reported $28.9M in net income in Q2 2026. This represents a decrease of 63.2% from the same quarter a year earlier. Against the prior quarter it is down 70.6%.
The Timken Company earned $0.41 per diluted share (EPS) in Q2 2026. This represents a decrease of 63.4% from the same quarter a year earlier. Against the prior quarter it is down 70.7%.
Cash & Balance Sheet
The Timken Company generated $80.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 16000.0%.
The Timken Company held $399.1M in cash against $2.0B in long-term debt as of Q2 2026.
The Timken Company paid $0.36 per share in dividends in Q2 2026. This represents an increase of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 2.9%.
Margins & Returns
The Timken Company's gross margin was 31.7% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.
The Timken Company's operating margin was 6.7% in Q2 2026, reflecting core business profitability. This is down 5.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 7.0 percentage points.
The Timken Company's net profit margin was 2.3% in Q2 2026, showing the share of revenue converted to profit. This is down 4.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.7 percentage points.
The Timken Company's ROE was 0.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.2 percentage points.
Capital Allocation
The Timken Company spent $20.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 11.5% from the same quarter a year earlier. Against the prior quarter it is down 28.6%.
The Timken Company invested $26.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 19.6% from the same quarter a year earlier. Against the prior quarter it is down 31.4%.
Not reported for Q2 2026.
TKR 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 | $1.3B+7.5% | $1.2B+8.0% | $1.1B+3.5% | $1.2B+2.7% | $1.2B-0.8% | $1.1B-4.2% | $1.1B-1.6% | $1.1B-1.4% |
| Cost of Revenue | $861.6M+6.0% | $837.3M+7.1% | $785.7M+5.0% | $808.1M+3.3% | $813.1M+0.5% | $781.6M-1.4% | $748.5M-1.5% | $782.4M-0.6% |
| Gross Profit | $399.3M+10.8% | $394.0M+9.8% | $325.3M+0.1% | $349.0M+1.3% | $360.3M-3.6% | $358.7M-9.8% | $325.1M-1.9% | $344.4M-3.1% |
| SG&A Expenses | $205.9M+8.5% | $201.2M+8.9% | $187.4M-0.1% | $186.4M-1.7% | $189.7M+3.0% | $184.8M-3.1% | $187.5M-1.1% | $189.7M+5.6% |
| Operating Income | $84.8M-42.6% | $168.6M+17.1% | $109.4M-3.2% | $139.4M-4.7% | $147.8M-11.6% | $144.0M-22.0% | $113.0M-5.2% | $146.3M-2.2% |
| EBITDA | $144.5M-29.5% | $227.5M+14.3% | $168.6M-0.4% | $198.0M-2.2% | $205.0M-7.4% | $199.1M-17.0% | $169.2M-1.3% | $202.4M+0.3% |
| Interest Expense | $26.2M-12.1% | $24.3M-8.3% | $26.7M | $27.3M-9.9% | $29.8M-13.9% | $26.5M-17.7% | N/A | $30.3M+10.2% |
| Income Tax | $20.7M-32.6% | $37.0M+37.5% | $7.9M | $33.2M+35.0% | $30.7M-14.5% | $26.9M-37.0% | N/A | $24.6M-26.1% |
| Net Income | $28.9M-63.2% | $98.2M+25.4% | $62.3M-12.5% | $69.3M-15.3% | $78.5M-18.4% | $78.3M-24.3% | $71.2M+21.3% | $81.8M-6.9% |
| EPS (Basic) | $0.42-62.8% | $1.41+25.9% | $0.89-12.7% | $0.99-15.4% | $1.13-17.5% | $1.12-23.8% | $1.02+21.4% | $1.17-5.6% |
| EPS (Diluted) | $0.41-63.4% | $1.40+26.1% | $0.89-11.9% | $0.99-14.7% | $1.12-17.6% | $1.11-24.0% | $1.01+21.7% | $1.16-5.7% |
| Diluted Shares (Avg) | 70M0.0% | 70M-0.4% | N/A | 70M-0.8% | 70M-1.1% | 71M-0.5% | N/A | 71M-1.2% |
Not reported in any period shown, so not listed: R&D Expenses.
TKR 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 | $6.8B+0.2% | $6.9B+4.7% | $6.7B+4.1% | $6.8B+0.5% | $6.8B+3.6% | $6.6B+0.4% | $6.4B-2.0% | $6.8B+8.4% |
| Current Assets | $2.8B+4.5% | $2.8B+5.3% | $2.6B+3.3% | $2.7B0.0% | $2.7B-1.9% | $2.6B-3.1% | $2.5B-4.5% | $2.7B+4.8% |
| Cash & Equivalents | $399.1M-4.8% | $344.7M-8.3% | $364.4M-2.4% | $449.1M+8.8% | $419.3M-10.8% | $376.1M-10.9% | $373.2M-10.9% | $412.7M+12.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $1.2B+2.2% | $1.3B+6.5% | $1.2B+4.0% | $1.2B-2.3% | $1.2B-0.9% | $1.2B-2.8% | $1.2B-2.7% | $1.3B+4.4% |
| Accounts Receivable | $822.9M+4.7% | $808.9M+8.6% | $689.4M+3.7% | $755.9M-0.8% | $785.6M-0.5% | $744.6M-3.3% | $664.6M-1.1% | $762.0M+7.9% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $1.5B+2.0% | $1.5B+7.7% | $1.5B+7.5% | $1.5B+1.2% | $1.5B+10.2% | $1.4B+4.7% | $1.4B+1.0% | $1.5B+16.5% |
| Total Liabilities | $3.6B-2.4% | $3.7B+0.6% | $3.5B-2.6% | $3.7B-4.4% | $3.7B-1.6% | $3.7B-7.2% | $3.6B-9.5% | $3.8B+1.8% |
| Current Liabilities | $918.3M+5.6% | $956.9M+15.1% | $922.1M+12.4% | $879.2M-3.4% | $869.7M-7.5% | $831.7M-42.4% | $820.5M-44.2% | $910.3M-39.5% |
| Non-Current Liabilities | $2.5B-4.8% | $2.6B-3.5% | $2.4B-7.6% | $2.6B-5.1% | $2.7B-0.5% | $2.6B+12.0% | $2.6B+10.1% | $2.8B+29.0% |
| Long-Term Debt | $2.0B-4.8% | $2.0B-3.7% | $1.9B-8.1% | $2.1B-4.5% | $2.1B+0.5% | $2.1B+17.1% | $2.0B+14.5% | $2.2B+36.7% |
| Total Equity | $3.2B+3.2% | $3.2B+9.9% | $3.2B+12.7% | $3.1B+6.9% | $3.1B+10.7% | $2.9B+11.9% | $2.8B+9.5% | $2.9B+18.4% |
| Retained Earnings | $2.8B+6.1% | $2.8B+8.3% | $2.7B+7.6% | $2.6B+8.2% | $2.6B+8.9% | $2.5B+10.0% | $2.5B+11.5% | $2.4B+11.1% |
TKR 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 | $107.1M-3.8% | $39.3M-32.9% | $183.3M+2.6% | $201.1M+63.2% | $111.3M-10.7% | $58.6M+18.9% | $178.6M+39.2% | $123.2M-36.6% |
| Depreciation & Amortization | $59.7M+4.4% | $58.9M+6.9% | $59.2M+5.3% | $58.6M+4.5% | $57.2M+5.5% | $55.1M-0.4% | $56.2M+7.5% | $56.1M+7.5% |
| Stock-Based Compensation | N/A | $7.6M+1.3% | N/A | N/A | N/A | $7.5M+66.7% | N/A | N/A |
| Capital Expenditures | $26.6M-19.6% | $38.8M+10.2% | $42.6M-20.5% | $37.3M+6.6% | $33.1M-11.3% | $35.2M-20.2% | $53.6M+1.3% | $35.0M-19.7% |
| Free Cash Flow | $80.5M+2.9% | $500K-97.9% | $140.7M+12.6% | $163.8M+85.7% | $78.2M-10.4% | $23.4M+350.0% | $125.0M+65.8% | $88.2M-41.5% |
| Investing Cash Flow | -$23.5M+19.2% | -$157.0M-383.1% | -$41.2M+24.5% | -$45.5M+76.1% | -$29.1M+16.6% | -$32.5M-32.7% | -$54.6M+73.7% | -$190.6M-1.9% |
| Financing Cash Flow | -$27.4M+49.5% | $102.1M+433.7% | -$230.3M-63.8% | -$121.9M-5440.9% | -$54.3M-46.8% | -$30.6M-104.0% | -$140.6M-226.1% | -$2.2M-108.3% |
| Dividends Paid | $25.0M+2.5% | $25.3M+0.8% | $24.4M+2.1% | $24.4M+2.5% | $24.4M+2.1% | $25.1M+2.4% | $23.9M+3.0% | $23.8M+1.7% |
| Share Buybacks | $20.0M-11.5% | $28.0M+21.2% | $11.7M+28.6% | $0-100.0% | $22.6M-23.9% | $23.1M | $9.1M-72.0% | $1.7M-97.3% |
TKR 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 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 31.7%+1.0pp | 32.0%+0.5pp | 29.3%-1.0pp | 30.2%-0.4pp | 30.7%-0.9pp | 31.5%-1.9pp | 30.3%-0.1pp | 30.6%-0.6pp |
| Operating Margin | 6.7%-5.9pp | 13.7%+1.1pp | 9.8%-0.7pp | 12.0%-0.9pp | 12.6%-1.5pp | 12.6%-2.9pp | 10.5%-0.4pp | 13.0%-0.1pp |
| Net Margin | 2.3%-4.4pp | 8.0%+1.1pp | 5.6%-1.0pp | 6.0%-1.3pp | 6.7%-1.4pp | 6.9%-1.8pp | 6.6%+1.2pp | 7.3%-0.4pp |
| Return on Equity | 0.9%-1.6pp | 3.1%+0.4pp | 2.0%-0.6pp | 2.2%-0.6pp | 2.5%-0.9pp | 2.7%-1.3pp | 2.5%+0.2pp | 2.8%-0.8pp |
| Return on Assets | 0.4%-0.7pp | 1.4%+0.2pp | 0.9%-0.2pp | 1.0%-0.2pp | 1.1%-0.3pp | 1.2%-0.4pp | 1.1%+0.2pp | 1.2%-0.2pp |
| Current Ratio | 3.100.0x | 2.88-0.3x | 2.82-0.2x | 3.11+0.1x | 3.13+0.2x | 3.15+1.3x | 3.07+1.3x | 3.00+1.3x |
| Debt-to-Equity | 0.64-0.1x | 0.63-0.1x | 0.59-0.1x | 0.67-0.1x | 0.69-0.1x | 0.720.0x | 0.730.0x | 0.75+0.1x |
| Asset Turnover | 0.180.0x | 0.180.0x | 0.170.0x | 0.170.0x | 0.170.0x | 0.170.0x | 0.170.0x | 0.170.0x |
| FCF Margin | 6.4%-0.3pp | 0.0%-2.0pp | 12.7%+1.0pp | 14.2%+6.3pp | 6.7%-0.7pp | 2.1%+1.6pp | 11.6%+4.7pp | 7.8%-5.4pp |
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 |
|---|---|---|---|---|---|---|
| The Timken Company TKR | FY2025 | $4.6B | $288.4M | 6.3% | $8.5B | 58/100 |
| Toro Company (The) TTC | FY2025 | $4.5B | $316.1M | 7.0% | $9.3B | 59/100 |
| Lincoln Electric Holdings Inc LECO | FY2025 | $4.2B | $520.5M | 12.3% | $15.0B | 65/100 |
| RBC Bearings Incorporated RBC | FY2026 | $1.9B | $287.6M | 15.4% | $16.3B | 53/100 |
| Stanley Black & Decker, Inc. SWK | FY2025 | $15.1B | $401.9M | 2.7% | $13.8B | 26/100 |
| Hillman Solutions Corp. HLMN | FY2025 | $1.6B | $40.3M | 2.6% | $1.4B | 48/100 |
Where The Timken Company Ranks
Frequently Asked Questions
What is The Timken Company's annual revenue?
The Timken Company (TKR) reported $4.6B in total revenue for fiscal year 2025. This represents a 0.2% 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 The Timken Company's revenue growing?
The Timken Company (TKR) revenue grew by 0.2% year-over-year, from $4.6B to $4.6B in fiscal year 2025.
Is The Timken Company profitable?
Yes, The Timken Company (TKR) reported a net income of $288.4M in fiscal year 2025, with a net profit margin of 6.3%.
What is The Timken Company's EBITDA?
The Timken Company (TKR) had EBITDA of $770.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does The Timken Company have?
As of fiscal year 2025, The Timken Company (TKR) had $364.4M in cash and equivalents against $1.9B in long-term debt.
What is The Timken Company's gross margin?
The Timken Company (TKR) had a gross margin of 30.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is The Timken Company's operating margin?
The Timken Company (TKR) had an operating margin of 11.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is The Timken Company's net profit margin?
The Timken Company (TKR) had a net profit margin of 6.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does The Timken Company pay dividends?
Yes, The Timken Company (TKR) paid $1.39 per share in dividends during fiscal year 2025.
What is The Timken Company's return on equity (ROE)?
The Timken Company (TKR) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is The Timken Company's free cash flow?
The Timken Company (TKR) generated $406.1M in free cash flow during fiscal year 2025. This represents a 32.8% 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 The Timken Company's operating cash flow?
The Timken Company (TKR) generated $554.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are The Timken Company's total assets?
The Timken Company (TKR) had $6.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are The Timken Company's capital expenditures?
The Timken Company (TKR) invested $148.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is The Timken Company's current ratio?
The Timken Company (TKR) had a current ratio of 2.82 as of fiscal year 2025, which is generally considered healthy.
What is The Timken Company's debt-to-equity ratio?
The Timken Company (TKR) had a debt-to-equity ratio of 0.59 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is The Timken Company's return on assets (ROA)?
The Timken Company (TKR) had a return on assets of 4.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is The Timken Company's P/E ratio?
The Timken Company (TKR) trades at 32.8x earnings, its market capitalization divided by net income of $258.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $8.5B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is The Timken Company's price-to-sales ratio?
The Timken Company (TKR) trades at 1.8x sales, its market capitalization divided by revenue of $4.8B revenue, trailing 12 months to June 30, 2026. The market capitalization is $8.5B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is The Timken Company's Altman Z-Score?
The Timken Company (TKR) has an Altman Z-Score of 3.27, 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 The Timken Company's Piotroski F-Score?
The Timken Company (TKR) has a Piotroski F-Score of 5 out of 9, indicating neutral 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 The Timken Company's earnings high quality?
The Timken Company (TKR) has an earnings quality ratio of 1.92x, 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 The Timken Company cover its interest payments?
The Timken Company (TKR) has an interest coverage ratio of 4.90x, 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 The Timken Company?
The Timken Company (TKR) scores 58 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.