TETRA Technologies, Inc. (TTI) 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 Sep 12, 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 TTI SEC filings page.
TETRA Technologies, Inc. (TTI) reported $641.8M in revenue over the twelve months to Jun 30, 2026, up 5.7% 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).
TETRA’s core operations are improving, but heavy reinvestment and below-operating volatility separate cash generation from reported earnings.
FY2025 operating margin improved to8.8% , showing the core operation was not the source of the earnings collapse. Net margin was only0.5% despite operating cash flow of$100M , indicating below-operating items distorted reported profit while cash generation remained stronger.
FY2025 operating cash flow reached
Total assets expanded from
Financial Health Signals
Scored against energy 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 TETRA Technologies, 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.
TETRA Technologies, Inc. has an operating margin of 8.8%, meaning the company retains $9 of operating profit per $100 of revenue. This results in a moderate score of 57/100, indicating healthy but not exceptional operating efficiency. This is up from 8.3% the prior year.
TETRA Technologies, Inc.'s revenue grew 5.3% year-over-year to $630.9M, a solid pace of expansion. This earns a growth score of 47/100.
TETRA Technologies, Inc. has a moderate D/E ratio of 0.62. This balance of debt and equity financing earns a leverage score of 43/100.
With a current ratio of 1.96, TETRA Technologies, Inc. holds $1.96 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 71/100.
TETRA Technologies, Inc. has a free cash flow margin of 3.1%, earning a moderate score of 31/100. The company generates positive cash flow after capital investments, but with room for improvement.
TETRA Technologies, Inc. earns a strong 1.1% return on equity (ROE), meaning it generates $1 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 79/100. This is down from 42.5% the prior year.
TETRA Technologies, Inc. scores 2.68, placing it in the grey zone between 1.81 and 2.99. The score is driven primarily by a large market capitalization ($1.0B) relative to total liabilities ($392.0M). 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.
TETRA Technologies, Inc. passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
TETRA Technologies, Inc. reported $3.0M of net income while generating $100.4M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.
TETRA Technologies, Inc. earns $3.20 in operating income for every $1 of interest expense ($55.4M vs $17.3M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
TETRA Technologies, Inc. generated $185.7M in revenue in Q2 2026. This represents an increase of 6.8% from the same quarter a year earlier. Against the prior quarter it is up 18.8%.
TETRA Technologies, Inc.'s EBITDA was $29.7M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 7.6% from the same quarter a year earlier. Against the prior quarter it is up 35.2%.
TETRA Technologies, Inc. reported $10.2M in net income in Q2 2026. This represents a decrease of 9.4% from the same quarter a year earlier. Against the prior quarter it is up 23.1%.
TETRA Technologies, Inc. earned $0.07 per diluted share (EPS) in Q2 2026. This represents a decrease of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 16.7%.
Cash & Balance Sheet
TETRA Technologies, Inc. generated $11.1M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 61.6% from the same quarter a year earlier. Against the prior quarter it is up 135.9%.
TETRA Technologies, Inc. held $154.6M in cash against $175.2M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
TETRA Technologies, Inc.'s gross margin was 24.6% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 3.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
TETRA Technologies, Inc.'s operating margin was 10.8% in Q2 2026, reflecting core business profitability. This is down 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.6 percentage points.
TETRA Technologies, Inc.'s net profit margin was 5.5% in Q2 2026, showing the share of revenue converted to profit. This is down 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
TETRA Technologies, Inc.'s ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 1.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.
Capital Allocation
TETRA Technologies, Inc. invested $23.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 19.6% from the same quarter a year earlier. Against the prior quarter it is up 22.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
TTI 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 | $185.7M+6.8% | $156.3M-0.6% | $146.7M+9.1% | $153.2M+8.1% | $173.9M+1.1% | $157.1M+4.1% | $134.5M-12.2% | $141.7M-6.4% |
| Cost of Revenue | $130.3M+12.0% | $108.9M+4.1% | $105.4M+12.1% | $107.4M+9.1% | $116.3M-3.0% | $104.6M-5.9% | $94.0M | $98.4M |
| Gross Profit | $45.7M-5.2% | $38.2M-10.9% | $28.4M-8.7% | $36.4M+5.8% | $48.2M+11.5% | $42.9M+38.0% | $31.1M+2.9% | $34.4M-9.4% |
| SG&A Expenses | $25.6M+1.3% | $25.4M+5.3% | $25.9M+12.1% | $25.2M+12.6% | $25.3M+14.1% | $24.1M+8.2% | $23.1M-0.9% | $22.4M-6.0% |
| Operating Income | $20.1M-12.4% | $12.8M-31.7% | $2.5M | $11.1M-6.9% | $23.0M | $18.8M | N/A | $12.0M |
| EBITDA | $29.7M-7.6% | $22.0M-21.2% | $11.8M | $20.6M-0.8% | $32.2M | $27.9M | N/A | $20.8M |
| Interest Expense | $3.3M-22.1% | $3.2M-31.5% | -$30.7M+22.7% | $4.4M-12.7% | $4.2M-32.2% | $4.7M-20.6% | -$39.7M-734.1% | $5.1M-9.6% |
| Income Tax | $5.6M-30.9% | $3.3M+215.4% | $9.2M+109.7% | $4.0M-16.7% | $8.1M+68.0% | $1.0M+172.9% | -$94.8M-15698.8% | $4.7M+280.1% |
| Net Income | $10.2M-9.4% | $8.3M+105.5% | -$16.5M-116.1% | $4.2M+238.5% | $11.3M+47.9% | $4.0M+342.5% | $102.7M+2740.0% | -$3.0M-155.3% |
| EPS (Basic) | $0.07-12.5% | $0.06+100.0% | -$0.13-116.7% | $0.03+250.0% | $0.08+33.3% | $0.03+200.0% | $0.78+2700.0% | -$0.02-150.0% |
| EPS (Diluted) | $0.07-12.5% | $0.06+100.0% | -$0.13-116.9% | $0.03+250.0% | $0.08+33.3% | $0.03+200.0% | $0.77+2666.7% | -$0.02-150.0% |
| Diluted Shares (Avg) | 141M+5.4% | 137M+2.7% | N/A | 135M+2.1% | 133M+0.9% | 134M+1.2% | N/A | 132M0.0% |
Not reported in any period shown, so not listed: R&D Expenses.
TTI 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 | $800.1M+23.9% | $662.3M+7.9% | $675.8M+11.7% | $655.2M+30.7% | $645.6M+6.7% | $614.1M+1.5% | $605.2M+26.4% | $501.2M+6.1% |
| Current Assets | $411.0M+31.9% | $297.2M+2.1% | $316.7M+17.4% | $313.9M+12.7% | $311.6M+7.6% | $291.1M+1.2% | $269.6M-4.4% | $278.5M+3.0% |
| Cash & Equivalents | $154.6M+124.9% | $35.5M-13.5% | $72.6M+96.4% | $67.1M+38.9% | $68.7M+82.3% | $41.0M+14.1% | $37.0M-29.5% | $48.4M+43.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $117.1M+7.8% | $120.0M+12.7% | $115.7M+13.8% | $105.9M+8.3% | $108.5M+31.1% | $106.5M+12.9% | $101.7M+5.3% | $97.7M+6.1% |
| Accounts Receivable | $114.4M+3.7% | $115.8M-4.2% | $99.6M-5.0% | $116.4M+5.8% | $110.3M-21.7% | $120.9M-8.7% | $104.8M-6.2% | $110.0M-10.5% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $392.3M+10.6% | $375.5M+10.1% | $392.0M+11.8% | $358.5M+4.1% | $354.7M-21.2% | $341.1M-25.5% | $350.6M+6.1% | $344.5M+4.4% |
| Current Liabilities | $167.3M+32.4% | $147.1M+28.6% | $161.2M+30.7% | $133.3M+11.6% | $126.3M+5.0% | $114.4M-3.0% | $123.3M-2.1% | $119.4M-5.6% |
| Non-Current Liabilities | $226.3M-1.4% | $229.6M+0.7% | $232.1M+1.5% | $226.5M+0.1% | $229.6M+1.7% | $228.0M+0.3% | $228.5M+11.1% | $226.3M+10.5% |
| Long-Term Debt | $175.2M-2.9% | $175.9M-2.3% | $176.6M-1.7% | $180.9M+0.7% | $180.5M+0.5% | $180.1M+0.4% | $179.7M+14.1% | $179.7M+14.6% |
| Total Equity | $407.8M+40.2% | $286.9M+5.1% | $283.8M+11.5% | $296.7M+89.4% | $290.9M+87.9% | $273.0M+85.2% | $254.6M+71.3% | $156.7M+10.0% |
| Retained Earnings | -$146.9M+4.1% | -$157.1M+4.4% | -$165.4M+1.8% | -$148.9M+45.1% | -$153.1M+42.9% | -$164.4M+40.4% | -$168.4M+39.1% | -$271.1M+0.6% |
Not reported in any period shown, so not listed: Goodwill.
TTI 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 | $34.4M-28.9% | -$11.9M-401.3% | $31.7M+463.0% | $16.4M-17.6% | $48.3M+94.6% | $3.9M+128.5% | $5.6M-70.1% | $19.9M+42.2% |
| Depreciation & Amortization | $9.6M+4.5% | $9.2M+0.3% | $9.3M-0.9% | $9.5M+7.4% | $9.2M+4.7% | $9.2M+4.5% | $9.4M+8.5% | $8.8M+3.0% |
| Stock-Based Compensation | N/A | $1.8M-4.4% | N/A | N/A | N/A | $1.9M+14.6% | N/A | N/A |
| Capital Expenditures | $23.3M+19.6% | $19.0M+5.9% | $27.6M+85.6% | $15.7M+8.0% | $19.5M+26.6% | $18.0M+13.5% | $14.9M+88.2% | $14.6M+109.2% |
| Free Cash Flow | $11.1M-61.6% | -$30.9M-120.2% | $4.1M+144.2% | $627K-88.2% | $28.8M+205.6% | -$14.0M+52.7% | -$9.3M-184.4% | $5.3M-24.4% |
| Investing Cash Flow | -$23.4M-19.5% | -$18.7M-1492.4% | -$27.3M-87.1% | -$15.7M-17.5% | -$19.6M-28.3% | $1.3M+108.5% | -$14.6M-872.9% | -$13.4M-93.9% |
| Financing Cash Flow | $108.5M+4447.7% | -$6.7M-221.8% | $1.2M+204.3% | -$2.0M-100.7% | -$2.5M-5.3% | -$2.1M-115.7% | -$1.1M+59.2% | -$980K-615.3% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
TTI 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 | 24.6%-3.1pp | 24.5%-2.8pp | 19.4%-3.8pp | 23.7%-0.5pp | 27.8%+2.6pp | 27.3%+6.7pp | 23.2%+3.4pp | 24.3%-0.8pp |
| Operating Margin | 10.8%-2.4pp | 8.2%-3.7pp | 1.7% | 7.3%-1.2pp | 13.2% | 11.9% | N/A | 8.4% |
| Net Margin | 5.5%-1.0pp | 5.3%+2.7pp | -11.3%-87.6pp | 2.7%+4.8pp | 6.5%+2.1pp | 2.6%+2.0pp | 76.4%+78.9pp | -2.1%-5.7pp |
| Return on Equity | 2.5%-1.4pp | 2.9%+1.4pp | -5.8%-46.2pp | 1.4%+3.3pp | 3.9%-1.1pp | 1.5%+0.9pp | 40.4%+43.0pp | -1.9%-5.7pp |
| Return on Assets | 1.3%-0.5pp | 1.3%+0.6pp | -2.4%-19.4pp | 0.6%+1.2pp | 1.8%+0.5pp | 0.7%+0.5pp | 17.0%+17.8pp | -0.6%-1.8pp |
| Current Ratio | 2.460.0x | 2.02-0.5x | 1.96-0.2x | 2.350.0x | 2.47+0.1x | 2.54+0.1x | 2.19-0.1x | 2.33+0.2x |
| Debt-to-Equity | 0.43-0.2x | 0.610.0x | 0.62-0.1x | 0.61-0.5x | 0.62-0.5x | 0.66-0.6x | 0.71-0.4x | 1.150.0x |
| Asset Turnover | 0.230.0x | 0.240.0x | 0.220.0x | 0.230.0x | 0.270.0x | 0.260.0x | 0.22-0.1x | 0.280.0x |
| FCF Margin | 6.0%-10.6pp | -19.8%-10.8pp | 2.8%+9.7pp | 0.4%-3.3pp | 16.6%+11.1pp | -8.9%+10.7pp | -6.9%-14.0pp | 3.7%-0.9pp |
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 |
|---|---|---|---|---|---|---|
| TETRA Technologies, Inc. TTI | FY2025 | $630.9M | $3.0M | 0.5% | $1.0B | 55/100 |
| Matthews International Corp MATW | FY2025 | $1.5B | -$24.5M | -1.6% | $624.3M | 27/100 |
| FTAI Infrastructure Inc. FIP | FY2025 | $502.5M | -$152.1M | -30.3% | $391.2M | 21/100 |
| Compass Diversified CODI | FY2025 | $1.9B | -$226.4M | -12.1% | $828.3M | 32/100 |
| Deluxe Corporation DLX | FY2025 | $2.1B | $82.1M | 3.9% | $1.1B | 42/100 |
Where TETRA Technologies, Inc. Ranks
Frequently Asked Questions
What is TETRA Technologies, Inc.'s annual revenue?
TETRA Technologies, Inc. (TTI) reported $630.9M in total revenue for fiscal year 2025. This represents a 5.3% 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 TETRA Technologies, Inc.'s revenue growing?
TETRA Technologies, Inc. (TTI) revenue grew by 5.3% year-over-year, from $599.1M to $630.9M in fiscal year 2025.
Is TETRA Technologies, Inc. profitable?
Yes, TETRA Technologies, Inc. (TTI) reported a net income of $3.0M in fiscal year 2025, with a net profit margin of 0.5%.
What is TETRA Technologies, Inc.'s EBITDA?
TETRA Technologies, Inc. (TTI) had EBITDA of $92.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does TETRA Technologies, Inc. have?
As of fiscal year 2025, TETRA Technologies, Inc. (TTI) had $72.6M in cash and equivalents against $176.6M in long-term debt.
What is TETRA Technologies, Inc.'s gross margin?
TETRA Technologies, Inc. (TTI) had a gross margin of 24.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is TETRA Technologies, Inc.'s operating margin?
TETRA Technologies, Inc. (TTI) had an operating margin of 8.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is TETRA Technologies, Inc.'s net profit margin?
TETRA Technologies, Inc. (TTI) had a net profit margin of 0.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is TETRA Technologies, Inc.'s return on equity (ROE)?
TETRA Technologies, Inc. (TTI) has a return on equity of 1.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is TETRA Technologies, Inc.'s free cash flow?
TETRA Technologies, Inc. (TTI) generated $19.5M in free cash flow during fiscal year 2025. This represents a 180.9% 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 TETRA Technologies, Inc.'s operating cash flow?
TETRA Technologies, Inc. (TTI) generated $100.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are TETRA Technologies, Inc.'s total assets?
TETRA Technologies, Inc. (TTI) had $675.8M in total assets as of fiscal year 2025, including both current and long-term assets.
What are TETRA Technologies, Inc.'s capital expenditures?
TETRA Technologies, Inc. (TTI) invested $80.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is TETRA Technologies, Inc.'s current ratio?
TETRA Technologies, Inc. (TTI) had a current ratio of 1.96 as of fiscal year 2025, which is generally considered healthy.
What is TETRA Technologies, Inc.'s debt-to-equity ratio?
TETRA Technologies, Inc. (TTI) had a debt-to-equity ratio of 0.62 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is TETRA Technologies, Inc.'s return on assets (ROA)?
TETRA Technologies, Inc. (TTI) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is TETRA Technologies, Inc.'s P/E ratio?
TETRA Technologies, Inc. (TTI) trades at 162x earnings, its market capitalization divided by net income of $6.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.0B as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is TETRA Technologies, Inc.'s price-to-sales ratio?
TETRA Technologies, Inc. (TTI) trades at 1.6x sales, its market capitalization divided by revenue of $641.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.0B as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is TETRA Technologies, Inc.'s Altman Z-Score?
TETRA Technologies, Inc. (TTI) has an Altman Z-Score of 2.68, 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 TETRA Technologies, Inc.'s Piotroski F-Score?
TETRA Technologies, Inc. (TTI) 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 TETRA Technologies, Inc.'s earnings high quality?
TETRA Technologies, Inc. (TTI) reported $3.0M of net income while generating $100.4M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. 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 TETRA Technologies, Inc. cover its interest payments?
TETRA Technologies, Inc. (TTI) has an interest coverage ratio of 3.20x, 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 TETRA Technologies, Inc.?
TETRA Technologies, Inc. (TTI) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its energy 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.