What is Church Downs's earnings per share (EPS)?

Church Downs (CHDN) reported diluted earnings per share of $5.29 for fiscal year 2025. This represents a -6.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Church Downs Financials

CHDN

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Church Downs (CHDN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Rhea AI CHDN FY2025 2026-04-22

Strong operating cash generation is supporting a debt-heavy, negative-working-capital model whose growth no longer cleanly reaches net income.

From FY2023 to FY2025, revenue rose 18.9% while EBITDA rose 25.1%. Net income nevertheless fell 8.2% because depreciation and interest expense climbed together, showing cash earnings are improving faster than shareholder earnings as financing and asset charges absorb more of the business’s growth.

The company has lived with a sub-1.0x current ratio for four straight years, ending FY2025 at 0.6x, yet operating cash flow stayed near $770M for the last two years. That combination suggests the business can operate with negative working capital, but day-to-day flexibility depends more on steady cash generation than on balance-sheet liquidity.

Leverage remains the core financing tool: long-term debt reached $5.1B against roughly $1.0B of equity in FY2025, even after equity had rebuilt from FY2021 levels. Because buybacks were $428M while dividends were only $31M in FY2025, cash deployment is leaning more toward shrinking the share count than toward reducing debt.

Financial Health Signals

Financial Profile 38/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Church Downs'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.

Profitability

Church Downs has an operating margin of 23.4%, meaning the company retains $23 of operating profit per $100 of revenue. This strong profitability earns a score of 76/100, reflecting efficient cost management and pricing power. This is down from 25.9% the prior year.

Growth

Church Downs's revenue grew 7.0% year-over-year to $2.9B, a solid pace of expansion. This earns a growth score of 48/100.

Leverage

Church Downs has elevated debt relative to equity (D/E of 5.02), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Liquidity

Church Downs's current ratio of 0.60 is below the typical benchmark, resulting in a score of 6/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Returns

100

Church Downs earns a strong 37.9% return on equity (ROE), meaning it generates $38 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is down from 39.4% the prior year.

Altman Z-Score Distress

1.39

Church Downs scores 1.39, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Piotroski F-Score Neutral

6/9

Church Downs passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.01x

For every $1 of reported earnings, Church Downs generates $2.01 in operating cash flow ($769.8M OCF vs $383.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

2.3x

Church Downs earns $2.3 in operating income for every $1 of interest expense ($683.8M vs $297.7M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$2.9B

YoY+7.0%

5Y CAGR+22.7%

10Y CAGR+13.9%

Church Downs generated $2.9B in revenue in fiscal year 2025. This represents an increase of 7.0% from the prior year.

EBITDA

$916.9M

YoY+1.0%

5Y CAGR+43.0%

10Y CAGR+14.5%

Church Downs's EBITDA was $916.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 1.0% from the prior year.

Net Income

$383.0M

YoY-10.3%

10Y CAGR+19.4%

Church Downs reported $383.0M in net income in fiscal year 2025. This represents a decrease of 10.3% from the prior year.

EPS (Diluted)

$5.29

YoY-6.9%

10Y CAGR+3.6%

Church Downs earned $5.29 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 6.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$201.0M

YoY+14.5%

5Y CAGR+24.4%

10Y CAGR+10.4%

Church Downs held $201.0M in cash against $5.1B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.44

YoY+7.1%

5Y CAGR-6.8%

10Y CAGR-9.2%

Church Downs paid $0.44 per share in dividends in fiscal year 2025. This represents an increase of 7.1% from the prior year.

Shares Outstanding

70M

YoY-5.4%

5Y CAGR+12.6%

Church Downs had 70M shares outstanding in fiscal year 2025. This represents a decrease of 5.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

23.4%

YoY-2.6pp

5Y CAGR+17.7pp

10Y CAGR+7.5pp

Church Downs's operating margin was 23.4% in fiscal year 2025, reflecting core business profitability. This is down 2.6 percentage points from the prior year.

Net Margin

13.1%

YoY-2.5pp

5Y CAGR+20.9pp

10Y CAGR+4.9pp

Church Downs's net profit margin was 13.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.5 percentage points from the prior year.

Return on Equity

37.9%

YoY-1.5pp

5Y CAGR+60.2pp

10Y CAGR+27.4pp

Church Downs's ROE was 37.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$427.8M

YoY+130.0%

5Y CAGR+72.0%

10Y CAGR+11.2%

Church Downs spent $427.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 130.0% from the prior year.

Capital Expenditures

N/A

CHDN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.9B+7.0%	$2.7B+11.1%	$2.5B+36.0%	$1.8B+13.3%	$1.6B+51.5%	$1.1B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$246.2M+3.6%	$237.7M+17.5%	$202.3M+23.2%	$164.2M+18.6%	$138.5M+20.6%	$114.8M
Operating Income	$683.8M-3.6%	$709.0M+25.7%	$564.0M+75.3%	$321.8M+13.2%	$284.4M+372.4%	$60.2M
Interest Expense	$297.7M+2.7%	$289.8M+8.0%	$268.4M+82.2%	$147.3M+73.9%	$84.7M+5.9%	$80.0M
Income Tax	$146.9M+1.9%	$144.1M-0.3%	$144.5M-14.7%	$169.4M+79.3%	$94.5M+1883.0%	-$5.3M
Net Income	$383.0M-10.3%	$426.8M+2.3%	$417.3M-5.0%	$439.4M+76.4%	$249.1M+404.2%	-$81.9M
EPS (Diluted)	$5.29-6.9%	$5.68+3.5%	$5.49-3.9%	$5.71+79.6%	$3.18+252.9%	$-2.08

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$663.0M-0.4%	$665.5M-2.6%	$683.0M-26.9%	$934.4M+45.3%	$643.0M+3.0%	$624.2M-0.7%	$628.5M-29.4%	$890.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$59.0M-16.9%	$71.0M+19.7%	$59.3M-2.6%	$60.9M+10.7%	$55.0M-16.3%	$65.7M+9.9%	$59.8M+4.2%	$57.4M
Operating Income	$143.0M+16.2%	$123.1M+25.6%	$98.0M-70.1%	$327.7M+142.7%	$135.0M+6.5%	$126.8M+0.7%	$125.9M-61.8%	$330.0M
Interest Expense	$72.0M-5.1%	$75.9M+0.4%	$75.6M+1.9%	$74.2M+3.1%	$72.0M-1.1%	$72.8M-0.4%	$73.1M-0.5%	$73.5M
Income Tax	$30.0M-4.8%	$31.5M+43.2%	$22.0M-70.4%	$74.4M+291.6%	$19.0M+1.6%	$18.7M-6.0%	$19.9M-76.3%	$84.1M
Net Income	$83.0M+62.7%	$51.0M+33.9%	$38.1M-82.4%	$216.9M+181.7%	$77.0M+7.4%	$71.7M+9.6%	$65.4M-68.8%	$209.3M
EPS (Diluted)	$1.16	N/A	$0.54-81.9%	$2.99+193.1%	$1.02	N/A	$0.86-69.2%	$2.79

CHDN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.5B+2.9%	$7.3B+4.6%	$7.0B+12.1%	$6.2B+108.2%	$3.0B0.0%	$3.0B
Current Assets	$443.0M+7.4%	$412.3M+2.9%	$400.8M+16.3%	$344.5M-31.3%	$501.5M+113.3%	$235.1M
Cash & Equivalents	$201.0M+14.5%	$175.5M+21.5%	$144.5M+11.3%	$129.8M-55.4%	$291.3M+332.2%	$67.4M
Inventory	$12.0M+3.4%	$11.6M-32.6%	$17.2M	N/A	N/A	N/A
Accounts Receivable	$93.0M-5.8%	$98.7M-7.7%	$106.9M+31.2%	$81.5M+92.7%	$42.3M+15.9%	$36.5M
Goodwill	$900.0M0.0%	$900.2M0.0%	$899.9M+24.3%	$723.8M+97.3%	$366.8M0.0%	$366.8M
Total Liabilities	$6.4B+4.2%	$6.2B+1.8%	$6.1B+7.2%	$5.7B+111.4%	$2.7B+15.3%	$2.3B
Current Liabilities	$733.0M+0.5%	$729.3M-3.5%	$755.8M+21.6%	$621.6M+57.4%	$395.0M-6.9%	$424.2M
Long-Term Debt	$5.1B+4.6%	$4.8B+1.6%	$4.8B+4.6%	$4.6B+132.5%	$2.0B+21.2%	$1.6B
Total Equity	$1.0B-6.8%	$1.1B+21.3%	$893.6M+62.0%	$551.5M+79.8%	$306.8M-16.4%	$367.1M
Retained Earnings	$1.0B-6.8%	$1.1B+21.3%	$894.5M+61.9%	$552.4M+79.5%	$307.7M-12.0%	$349.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$7.5B0.0%	$7.5B+0.4%	$7.5B+1.1%	$7.4B+0.4%	$7.3B+1.0%	$7.3B+1.4%	$7.2B0.0%	$7.2B
Current Assets	$452.0M+2.0%	$443.0M+6.8%	$414.9M-10.6%	$464.0M+2.6%	$452.4M+9.7%	$412.3M+6.4%	$387.4M-11.1%	$436.0M
Cash & Equivalents	$200.0M-0.5%	$201.0M+11.4%	$180.5M-1.0%	$182.4M+4.7%	$174.2M-0.7%	$175.5M+14.9%	$152.7M+8.8%	$140.3M
Inventory	$11.0M-8.3%	$12.0M-3.2%	$12.4M-1.6%	$12.6M+8.6%	$11.6M0.0%	$11.6M	N/A	N/A
Accounts Receivable	$99.0M+6.5%	$93.0M+3.7%	$89.7M-24.2%	$118.4M+9.0%	$108.6M+10.0%	$98.7M+5.9%	$93.2M-31.5%	$136.1M
Goodwill	$900.0M0.0%	$900.0M0.0%	$900.2M0.0%	$900.2M0.0%	$900.2M0.0%	$900.2M0.0%	$900.2M0.0%	$900.2M
Total Liabilities	$6.3B-1.4%	$6.4B+0.8%	$6.4B+1.0%	$6.3B+0.9%	$6.3B+1.3%	$6.2B+1.9%	$6.1B-1.1%	$6.1B
Current Liabilities	$836.0M+14.1%	$733.0M+1.1%	$725.2M-6.1%	$772.1M-8.7%	$846.1M+16.0%	$729.3M+2.7%	$710.1M-7.0%	$763.2M
Long-Term Debt	$4.9B-4.0%	$5.1B+0.5%	$5.0B+2.0%	$4.9B+2.7%	$4.8B-0.6%	$4.8B+1.5%	$4.8B-0.4%	$4.8B
Total Equity	$1.1B+8.5%	$1.0B-2.4%	$1.0B-0.6%	$1.0B-2.8%	$1.1B-1.1%	$1.1B-1.2%	$1.1B+6.4%	$1.0B
Retained Earnings	$1.1B+8.2%	$1.0B-2.4%	$1.0B-0.6%	$1.0B-2.8%	$1.1B-1.1%	$1.1B-1.1%	$1.1B+6.2%	$1.0B

CHDN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$769.8M-0.2%	$771.7M+27.5%	$605.3M+18.5%	$510.8M+11.2%	$459.5M+223.8%	$141.9M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$471.5M+13.5%	-$545.2M+24.1%	-$718.0M+76.9%	-$3.1B-2991.3%	-$100.4M+58.1%	-$239.4M
Financing Cash Flow	-$262.5M-33.5%	-$196.6M-252.0%	$129.3M-94.6%	$2.4B+483300.0%	-$500K-100.7%	$76.0M
Dividends Paid	$30.8M+5.5%	$29.2M+7.7%	$27.1M+4.2%	$26.0M+4.8%	$24.8M+6.0%	$23.4M
Share Buybacks	$427.8M+130.0%	$186.0M+232.7%	$55.9M-68.0%	$174.9M-41.2%	$297.5M+947.5%	$28.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$295.0M+207.3%	$96.0M-48.9%	$187.7M-21.5%	$239.1M-3.2%	$247.0M+89.1%	$130.6M-22.9%	$169.4M-21.9%	$217.0M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$61.0M-21.8%	-$50.1M+80.4%	-$255.3M-196.5%	-$86.1M-7.6%	-$80.0M+38.2%	-$129.4M-2.9%	-$125.7M+8.0%	-$136.7M
Financing Cash Flow	-$232.0M-795.8%	-$25.9M-151.3%	$50.5M+136.3%	-$139.1M+6.0%	-$148.0M-836.3%	$20.1M+146.5%	-$43.2M+40.3%	-$72.4M
Dividends Paid	$31.0M+5066.7%	$600K	$0+100.0%	-$800K-102.6%	$31.0M+6100.0%	$500K+600.0%	-$100K-150.0%	$200K
Share Buybacks	$0-100.0%	$32.0M-41.7%	$54.9M-78.4%	$253.9M+191.8%	$87.0M+218.7%	$27.3M+582.5%	$4.0M-69.2%	$13.0M

CHDN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	23.4%-2.6pp	25.9%+3.0pp	22.9%+5.1pp	17.8%-0.0pp	17.8%+12.1pp	5.7%
Net Margin	13.1%-2.5pp	15.6%-1.3pp	17.0%-7.3pp	24.3%+8.7pp	15.6%+23.4pp	-7.8%
Return on Equity	37.9%-1.5pp	39.4%-7.3pp	46.7%-33.0pp	79.7%-1.5pp	81.2%+103.5pp	-22.3%
Return on Assets	5.1%-0.8pp	5.9%-0.1pp	6.0%-1.1pp	7.1%-1.3pp	8.3%+11.1pp	-2.8%
Current Ratio	0.60+0.0	0.57+0.0	0.53-0.0	0.55-0.7	1.27+0.7	0.55
Debt-to-Equity	5.02+0.5	4.47-0.9	5.34-2.9	8.27+1.9	6.39+2.0	4.41
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	21.6%+3.1pp	18.5%+4.2pp	14.3%-20.7pp	35.1%+14.1pp	21.0%+0.7pp	20.3%+0.3pp	20.0%-17.0pp	37.0%
Net Margin	12.5%+4.9pp	7.7%+2.1pp	5.6%-17.6pp	23.2%+11.2pp	12.0%+0.5pp	11.5%+1.1pp	10.4%-13.1pp	23.5%
Return on Equity	7.6%+2.5pp	5.1%+1.4pp	3.7%-17.1pp	20.8%+13.6pp	7.2%+0.6pp	6.6%+0.7pp	6.0%-14.3pp	20.3%
Return on Assets	1.1%+0.4pp	0.7%+0.2pp	0.5%-2.4pp	2.9%+1.9pp	1.1%+0.1pp	1.0%+0.1pp	0.9%-2.0pp	2.9%
Current Ratio	0.54-0.1	0.60+0.0	0.57-0.0	0.60+0.1	0.53-0.0	0.57+0.0	0.55-0.0	0.57
Debt-to-Equity	4.44-0.6	5.02+0.1	4.87+0.1	4.74+0.3	4.49+0.0	4.47+0.1	4.35-0.3	4.65
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Note: The current ratio is below 1.0 (0.60), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

Similar Companies

Super Group (SGHC) Ltd SGHC

$6.6B

Light & Wonder LNW

$7.0B

Rush Street Interactive Inc RSI

$2.8B

Sharplink Inc SBET

$1.4B

Draftkings Inc DKNG

$12.2B

Frequently Asked Questions

What is Church Downs's annual revenue?

Church Downs (CHDN) reported $2.9B in total revenue for fiscal year 2025. This represents a 7.0% 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 Church Downs's revenue growing?

Church Downs (CHDN) revenue grew by 7% year-over-year, from $2.7B to $2.9B in fiscal year 2025.

Is Church Downs profitable?

Yes, Church Downs (CHDN) reported a net income of $383.0M in fiscal year 2025, with a net profit margin of 13.1%.

What is Church Downs's EBITDA?

Church Downs (CHDN) had EBITDA of $916.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Church Downs have?

As of fiscal year 2025, Church Downs (CHDN) had $201.0M in cash and equivalents against $5.1B in long-term debt.

What is Church Downs's operating margin?

Church Downs (CHDN) had an operating margin of 23.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Church Downs's net profit margin?

Church Downs (CHDN) had a net profit margin of 13.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Church Downs pay dividends?

Yes, Church Downs (CHDN) paid $0.44 per share in dividends during fiscal year 2025.

What is Church Downs's return on equity (ROE)?

Church Downs (CHDN) has a return on equity of 37.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Church Downs's operating cash flow?

Church Downs (CHDN) generated $769.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Church Downs's total assets?

Church Downs (CHDN) had $7.5B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Church Downs buy back shares?

Yes, Church Downs (CHDN) spent $427.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Church Downs have outstanding?

Church Downs (CHDN) had 70M shares outstanding as of fiscal year 2025.

What is Church Downs's current ratio?

Church Downs (CHDN) had a current ratio of 0.60 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is Church Downs's debt-to-equity ratio?

Church Downs (CHDN) had a debt-to-equity ratio of 5.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Church Downs's return on assets (ROA)?

Church Downs (CHDN) had a return on assets of 5.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Church Downs's Altman Z-Score?

Church Downs (CHDN) has an Altman Z-Score of 1.39, placing it in the Distress Zone (elevated 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 Church Downs's Piotroski F-Score?

Church Downs (CHDN) has a Piotroski F-Score of 6 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 Church Downs's earnings high quality?

Church Downs (CHDN) has an earnings quality ratio of 2.01x, 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 Church Downs cover its interest payments?

Church Downs (CHDN) has an interest coverage ratio of 2.3x, 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 Church Downs?

Church Downs (CHDN) scores 38 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.