Universal Technical Institute, Inc. (UTI) 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 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UTI SEC filings page.
Universal Technical Institute, Inc. (UTI) reported $883.6M in revenue over the twelve months to Jun 30, 2026, up 9.1% 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).
Universal Technical Institute has converted rapid expansion into higher margins and cash generation, while reinvestment remains a meaningful use of cash.
The 2025 margin step-up was broad: operating margin reached10.0% while net margin reached7.5% , indicating more of each additional revenue dollar reached earnings. Yet operating cash flow of$97.3M translated into free cash flow of$55.4M , showing that capital spending continues to absorb a substantial portion of internally generated cash.
The balance sheet became less debt-dependent: debt-to-equity fell from 0.5x to 0.3x as equity expanded, while short-term coverage stayed roughly unchanged. This points to stronger capitalization rather than a much larger liquidity cushion.
Receivables grew faster than revenue between FY2024 and FY2025, which puts more cash into customer balances as the business expands; operating cash flow still exceeded net income, so that working-capital investment has not prevented accounting profits from converting into cash. The sharp FY2024 increase in shares outstanding also means part of the subsequent per-share improvement reflects a larger earnings base, not just operating gains.
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 Universal Technical Institute, 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.
Universal Technical Institute, Inc. has an operating margin of 10.0%, meaning the company retains $10 of operating profit per $100 of revenue. This results in a moderate score of 61/100, indicating healthy but not exceptional operating efficiency. This is up from 8.0% the prior year.
Universal Technical Institute, Inc.'s revenue grew 14.0% year-over-year to $835.6M, a solid pace of expansion. This earns a growth score of 79/100.
Universal Technical Institute, Inc. carries a low D/E ratio of 0.26, meaning only $0.26 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 93/100, indicating a strong balance sheet with room for future borrowing.
Universal Technical Institute, Inc.'s current ratio of 1.07 is below the typical benchmark, resulting in a score of 22/100. However, the company holds substantial cash reserves (55% of current liabilities), which buffers actual liquidity risk. Large mature operators often run tight current ratios by design.
Universal Technical Institute, Inc. has a free cash flow margin of 6.6%, earning a moderate score of 48/100. The company generates positive cash flow after capital investments, but with room for improvement.
Universal Technical Institute, Inc. earns a strong 19.2% return on equity (ROE), meaning it generates $19 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 66/100. This is up from 16.1% the prior year.
Universal Technical Institute, Inc. scores 2.85, placing it in the grey zone between 1.81 and 2.99. 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.
Universal Technical Institute, Inc. passes 6 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), 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Universal Technical Institute, Inc. generates $1.54 in operating cash flow ($97.3M OCF vs $63.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Universal Technical Institute, Inc. earns $14.82 in operating income for every $1 of interest expense ($83.5M vs $5.6M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Universal Technical Institute, Inc. generated $218.9M in revenue in Q3 2026. This represents an increase of 7.2% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.
Universal Technical Institute, Inc.'s EBITDA was $13.7M in Q3 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 39.2% from the same quarter a year earlier. Against the prior quarter it is up 45.5%.
Universal Technical Institute, Inc. reported $2.3M in net income in Q3 2026. This represents a decrease of 78.6% from the same quarter a year earlier. Against the prior quarter it is up 426.3%.
Universal Technical Institute, Inc. earned $0.04 per diluted share (EPS) in Q3 2026. This represents a decrease of 78.9% from the same quarter a year earlier. Against the prior quarter it is up 300.0%.
Cash & Balance Sheet
Universal Technical Institute, Inc. recorded an outflow of $17.9M in free cash flow in Q3 2026, representing a cash shortfall after capex. This represents a decrease of 361.6% from the same quarter a year earlier. Against the prior quarter it is up 32.3%.
Universal Technical Institute, Inc. held $130.1M in cash against $157.0M in long-term debt as of Q3 2026.
Not reported for Q3 2026.
Margins & Returns
Universal Technical Institute, Inc.'s operating margin was 1.5% in Q3 2026, reflecting core business profitability. This is down 5.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.3 percentage points.
Universal Technical Institute, Inc.'s net profit margin was 1.0% in Q3 2026, showing the share of revenue converted to profit. This is down 4.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.
Universal Technical Institute, Inc.'s ROE was 0.7% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is down 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Not reported for Q3 2026.
Capital Allocation
Universal Technical Institute, Inc. invested $28.2M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 152.0% from the same quarter a year earlier. Against the prior quarter it is down 7.2%.
Not reported for Q3 2026.
Not reported for Q3 2026.
UTI 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 | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $218.9M+7.2% | $221.4M+6.7% | $220.8M+9.6% | $222.4M+13.3% | $204.3M+15.1% | $207.4M+12.6% | $201.4M+15.3% | $196.4M+15.3% |
| SG&A Expenses | $97.3M+15.1% | $103.6M+17.6% | $94.7M+28.3% | $85.2M+20.0% | $84.5M+13.1% | $88.1M+16.7% | $73.8M+8.5% | $71.0M+6.3% |
| Operating Income | $3.2M-77.1% | $339K-98.0% | $15.7M-42.9% | $25.0M-4.0% | $14.2M+90.1% | $16.9M+50.6% | $27.5M+93.1% | $26.0M+151.7% |
| EBITDA | $13.7M-39.2% | $9.4M-62.5% | $24.6M-30.7% | $33.5M-0.9% | $22.5M+51.6% | $25.0M+35.9% | $35.5M+67.2% | $33.8M+99.8% |
| Interest Expense | $1.0M-27.3% | $993K-40.1% | $971K-42.0% | $909K-59.9% | $1.4M-35.1% | $1.7M-24.1% | $1.7M-41.7% | $2.3M-14.1% |
| Income Tax | $820K-77.8% | -$50K-100.9% | $3.4M-37.0% | $6.8M+4.2% | $3.7M+108.2% | $5.4M+94.7% | $5.4M+70.1% | $6.5M+157.0% |
| Net Income | $2.3M-78.6% | $433K-96.2% | $12.8M-42.1% | $18.8M-0.4% | $10.7M+113.9% | $11.4M+47.0% | $22.2M+113.2% | $18.8M+181.1% |
| EPS (Basic) | $0.04-80.0% | $0.01-95.2% | $0.24-41.5% | $0.34-8.1% | $0.20+122.2% | $0.21+50.0% | $0.41+127.8% | $0.37+270.0% |
| EPS (Diluted) | $0.04-78.9% | $0.01-95.2% | $0.23-42.5% | $0.33-8.3% | $0.19+111.1% | $0.21+50.0% | $0.40+135.3% | $0.36+260.0% |
| Diluted Shares (Avg) | 56M+0.5% | 56M+0.5% | 56M+0.6% | N/A | 56M+1.2% | 55M+1.2% | 55M+48.0% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
UTI 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 | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $897.9M+21.2% | $852.2M+18.3% | $834.0M+10.6% | $826.1M+11.0% | $740.8M+4.9% | $720.4M+2.6% | $753.8M+2.9% | $744.6M+0.5% |
| Current Assets | $258.1M+39.4% | $243.8M+22.8% | $248.7M+7.7% | $246.6M+11.1% | $185.2M+4.9% | $198.5M+16.6% | $230.9M+16.9% | $222.0M+8.3% |
| Cash & Equivalents | $130.1M+84.0% | $87.2M-9.1% | $93.6M-45.6% | $127.4M-21.3% | $70.7M-38.8% | $96.0M-17.3% | $172.0M+19.8% | $161.9M+6.8% |
| Short-Term Investments | $40.1M | $74.8M+88.3% | $69.2M | $41.8M | $0 | $39.7M | $0 | $0 |
| Accounts Receivable | $49.8M+33.9% | $44.6M+42.8% | $45.0M+61.0% | $46.1M+48.2% | $37.2M+23.9% | $31.2M+28.6% | $27.9M+22.9% | $31.1M+23.6% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $28.5M0.0% | $28.5M0.0% | $28.5M0.0% | $28.5M0.0% | $28.5M0.0% | $28.5M0.0% | $28.5M0.0% | $28.5M0.0% |
| Total Liabilities | $553.6M+27.6% | $512.3M+20.1% | $498.1M+5.1% | $498.0M+2.8% | $434.0M-7.0% | $426.5M-9.1% | $473.8M-7.1% | $484.3M-5.9% |
| Current Liabilities | $198.3M+7.2% | $207.9M+12.3% | $217.9M+7.7% | $229.7M+12.1% | $185.0M+6.5% | $185.1M+11.2% | $202.4M+11.2% | $205.0M+11.0% |
| Non-Current Liabilities | $355.3M+42.7% | $304.3M+26.1% | $280.2M+3.2% | $268.4M-3.9% | $248.9M-15.0% | $241.4M-20.3% | $271.4M-17.3% | $279.4M-15.3% |
| Long-Term Debt | $157.0M+121.4% | $127.8M+39.4% | $98.5M-16.0% | $84.2M-31.5% | $70.9M-47.3% | $91.6M-34.2% | $117.3M-26.2% | $123.0M-22.9% |
| Total Equity | $344.3M+12.2% | $339.9M+15.6% | $335.9M+20.0% | $328.1M+26.1% | $306.8M+28.2% | $293.9M+26.4% | $280.0M+26.0% | $260.2M+15.2% |
| Retained Earnings | $117.1M+41.4% | $114.8M+59.2% | $114.4M+88.5% | $101.5M+163.6% | $82.8M+320.8% | $72.1M+391.1% | $60.7M+779.5% | $38.5M+547.6% |
Not reported in any period shown, so not listed: Inventory.
UTI 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 | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $10.3M-42.8% | $4.0M+605.1% | $3.1M-86.6% | $57.1M-15.4% | $18.1M+80.2% | -$789K+68.3% | $23.0M+111.9% | $67.5M+25.3% |
| Depreciation & Amortization | $10.4M+25.2% | $9.0M+11.1% | $8.9M+11.3% | $8.5M+9.6% | $8.3M+12.7% | $8.1M+13.0% | $8.0M+14.5% | $7.8M+18.2% |
| Stock-Based Compensation | N/A | N/A | $2.6M+254.9% | N/A | N/A | N/A | $720K-51.4% | N/A |
| Capital Expenditures | $28.2M+152.0% | $30.4M+177.9% | $22.2M+564.9% | $16.5M+118.9% | $11.2M+59.9% | $10.9M+85.2% | $3.3M-13.1% | $7.5M-3.9% |
| Free Cash Flow | -$17.9M-361.6% | -$26.4M-125.2% | -$19.2M-197.7% | $40.6M-32.3% | $6.8M+127.7% | -$11.7M-39.7% | $19.6M+180.7% | $60.0M+30.3% |
| Investing Cash Flow | $3.7M+115.3% | -$36.9M+27.1% | -$46.6M-1291.8% | -$9.6M-28.2% | -$24.3M-259.9% | -$50.6M-756.7% | -$3.3M+13.1% | -$7.5M+4.4% |
| Financing Cash Flow | $28.3M+235.5% | $29.0M+212.5% | $6.8M+172.9% | $13.2M+213.3% | -$20.9M-344.6% | -$25.8M-29.9% | -$9.3M+38.1% | -$11.7M-264.9% |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
UTI 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 | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 1.5%-5.5pp | 0.1%-8.0pp | 7.1%-6.5pp | 11.2%-2.0pp | 6.9%+2.7pp | 8.1%+2.0pp | 13.6%+5.5pp | 13.3%+7.2pp |
| Net Margin | 1.0%-4.2pp | 0.2%-5.3pp | 5.8%-5.2pp | 8.4%-1.2pp | 5.2%+2.4pp | 5.5%+1.3pp | 11.0%+5.1pp | 9.6%+5.7pp |
| Return on Equity | 0.7%-2.8pp | 0.1%-3.8pp | 3.8%-4.1pp | 5.7%-1.5pp | 3.5%+1.4pp | 3.9%+0.5pp | 7.9%+3.2pp | 7.2%+4.3pp |
| Return on Assets | 0.3%-1.2pp | 0.1%-1.5pp | 1.5%-1.4pp | 2.3%-0.3pp | 1.4%+0.7pp | 1.6%+0.5pp | 2.9%+1.5pp | 2.5%+1.6pp |
| Current Ratio | 1.30+0.3x | 1.17+0.1x | 1.140.0x | 1.070.0x | 1.000.0x | 1.070.0x | 1.14+0.1x | 1.080.0x |
| Debt-to-Equity | 0.46+0.2x | 0.38+0.1x | 0.29-0.1x | 0.26-0.2x | 0.23-0.3x | 0.31-0.3x | 0.42-0.3x | 0.47-0.2x |
| Asset Turnover | 0.240.0x | 0.260.0x | 0.260.0x | 0.270.0x | 0.280.0x | 0.290.0x | 0.270.0x | 0.260.0x |
| FCF Margin | -8.2%-11.5pp | -11.9%-6.3pp | -8.7%-18.4pp | 18.3%-12.3pp | 3.4%+1.7pp | -5.7%-1.1pp | 9.7%+5.7pp | 30.6%+3.5pp |
Not reported in any period shown, so not listed: Gross 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 |
|---|---|---|---|---|---|---|
| Universal Technical Institute, Inc. UTI | FY2025 | $835.6M | $63.0M | 7.5% | $1.1B | 62/100 |
| Coursera, Inc. COUR | FY2025 | $757.5M | -$51.0M | -6.7% | $1.4B | 54/100 |
| Udemy, Inc. UDMY | FY2025 | $789.8M | $3.8M | 0.5% | $677.3M | 37/100 |
| Youdao, Inc. DAO | FY2025 | $845.0M | $13.9M | 1.6% | $1.9B | 19/100 |
| Lincoln Educational Services LINC | FY2025 | $518.2M | $20.0M | 3.9% | $704.2M | 51/100 |
Where Universal Technical Institute, Inc. Ranks
Frequently Asked Questions
What is Universal Technical Institute, Inc.'s annual revenue?
Universal Technical Institute, Inc. (UTI) reported $835.6M in total revenue for fiscal year 2025. This represents a 14.0% 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 Universal Technical Institute, Inc.'s revenue growing?
Universal Technical Institute, Inc. (UTI) revenue grew by 14.0% year-over-year, from $732.7M to $835.6M in fiscal year 2025.
Is Universal Technical Institute, Inc. profitable?
Yes, Universal Technical Institute, Inc. (UTI) reported a net income of $63.0M in fiscal year 2025, with a net profit margin of 7.5%.
What is Universal Technical Institute, Inc.'s EBITDA?
Universal Technical Institute, Inc. (UTI) had EBITDA of $116.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Universal Technical Institute, Inc. have?
As of fiscal year 2025, Universal Technical Institute, Inc. (UTI) had $127.4M in cash and equivalents against $84.2M in long-term debt.
What is Universal Technical Institute, Inc.'s operating margin?
Universal Technical Institute, Inc. (UTI) had an operating margin of 10.0% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Universal Technical Institute, Inc.'s net profit margin?
Universal Technical Institute, Inc. (UTI) had a net profit margin of 7.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Universal Technical Institute, Inc.'s return on equity (ROE)?
Universal Technical Institute, Inc. (UTI) has a return on equity of 19.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Universal Technical Institute, Inc.'s free cash flow?
Universal Technical Institute, Inc. (UTI) generated $55.4M in free cash flow during fiscal year 2025. This represents a -10.1% 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 Universal Technical Institute, Inc.'s operating cash flow?
Universal Technical Institute, Inc. (UTI) generated $97.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Universal Technical Institute, Inc.'s total assets?
Universal Technical Institute, Inc. (UTI) had $826.1M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Universal Technical Institute, Inc.'s capital expenditures?
Universal Technical Institute, Inc. (UTI) invested $42.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Universal Technical Institute, Inc.'s current ratio?
Universal Technical Institute, Inc. (UTI) had a current ratio of 1.07 as of fiscal year 2025, which is considered adequate.
What is Universal Technical Institute, Inc.'s debt-to-equity ratio?
Universal Technical Institute, Inc. (UTI) had a debt-to-equity ratio of 0.26 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Universal Technical Institute, Inc.'s return on assets (ROA)?
Universal Technical Institute, Inc. (UTI) had a return on assets of 7.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Universal Technical Institute, Inc.'s P/E ratio?
Universal Technical Institute, Inc. (UTI) trades at 31.6x earnings, its market capitalization divided by net income of $34.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.1B 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 Universal Technical Institute, Inc.'s price-to-sales ratio?
Universal Technical Institute, Inc. (UTI) trades at 1.2x sales, its market capitalization divided by revenue of $883.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.1B 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 Universal Technical Institute, Inc.'s Altman Z-Score?
Universal Technical Institute, Inc. (UTI) has an Altman Z-Score of 2.85, 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 Universal Technical Institute, Inc.'s Piotroski F-Score?
Universal Technical Institute, Inc. (UTI) has a Piotroski F-Score of 6 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 Universal Technical Institute, Inc.'s earnings high quality?
Universal Technical Institute, Inc. (UTI) has an earnings quality ratio of 1.54x, 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 Universal Technical Institute, Inc. cover its interest payments?
Universal Technical Institute, Inc. (UTI) has an interest coverage ratio of 14.82x, 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 Universal Technical Institute, Inc.?
Universal Technical Institute, Inc. (UTI) scores 62 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.