What is U S Physical Therapy's earnings per share (EPS)?

U S Physical Therapy (USPH) reported diluted earnings per share of $1.42 for fiscal year 2025. This represents a -22.8% 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.

U S Physical Therapy Financials

USPH

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows U S Physical Therapy (USPH) 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).

Financial Health Signals

Financial Profile 49/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

U S Physical Therapy has an operating margin of 11.1%, meaning the company retains $11 of operating profit per $100 of revenue. This results in a moderate score of 47/100, indicating healthy but not exceptional operating efficiency. This is up from 9.4% the prior year.

Growth

U S Physical Therapy's revenue surged 16.3% year-over-year to $781.0M, reflecting rapid business expansion. This strong growth earns a score of 61/100.

Leverage

U S Physical Therapy carries a low D/E ratio of 0.32, meaning only $0.32 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

U S Physical Therapy's current ratio of 1.01 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 15/100, which could limit financial flexibility.

Cash Flow

U S Physical Therapy has a free cash flow margin of 7.8%, earning a moderate score of 45/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

U S Physical Therapy's ROE of 8.3% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 6.4% the prior year.

Altman Z-Score Grey Zone

2.07

U S Physical Therapy scores 2.07, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Neutral

6/9

U S Physical Therapy passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.90x

For every $1 of reported earnings, U S Physical Therapy generates $1.90 in operating cash flow ($75.1M OCF vs $39.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$781.0M

YoY+16.3%

5Y CAGR+13.0%

10Y CAGR+9.0%

U S Physical Therapy generated $781.0M in revenue in fiscal year 2025. This represents an increase of 16.3% from the prior year.

EBITDA

$109.1M

YoY+33.5%

5Y CAGR+11.6%

10Y CAGR+7.0%

U S Physical Therapy's EBITDA was $109.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 33.5% from the prior year.

Net Income

$39.6M

YoY+26.0%

5Y CAGR+2.4%

10Y CAGR+6.7%

U S Physical Therapy reported $39.6M in net income in fiscal year 2025. This represents an increase of 26.0% from the prior year.

EPS (Diluted)

$1.42

YoY-22.8%

5Y CAGR-10.6%

10Y CAGR-2.2%

U S Physical Therapy earned $1.42 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 22.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$61.0M

YoY-7.2%

5Y CAGR-8.0%

10Y CAGR+6.9%

U S Physical Therapy generated $61.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 7.2% from the prior year.

Cash & Debt

$35.6M

YoY-14.0%

5Y CAGR+1.6%

10Y CAGR+8.5%

U S Physical Therapy held $35.6M in cash against $152.6M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.80

YoY+2.3%

5Y CAGR+41.3%

10Y CAGR+11.6%

U S Physical Therapy paid $1.80 per share in dividends in fiscal year 2025. This represents an increase of 2.3% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

19.2%

YoY+0.7pp

5Y CAGR-3.2pp

10Y CAGR-4.5pp

U S Physical Therapy's gross margin was 19.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.7 percentage points from the prior year.

Operating Margin

11.1%

YoY+1.7pp

5Y CAGR-1.3pp

10Y CAGR-3.2pp

U S Physical Therapy's operating margin was 11.1% in fiscal year 2025, reflecting core business profitability. This is up 1.7 percentage points from the prior year.

Net Margin

5.1%

YoY+0.4pp

5Y CAGR-3.2pp

10Y CAGR-1.1pp

U S Physical Therapy's net profit margin was 5.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.4 percentage points from the prior year.

Return on Equity

8.3%

YoY+1.9pp

5Y CAGR-4.4pp

10Y CAGR-3.7pp

U S Physical Therapy's ROE was 8.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$5.6M

U S Physical Therapy spent $5.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$14.1M

YoY+53.2%

5Y CAGR+13.0%

10Y CAGR+8.4%

U S Physical Therapy invested $14.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 53.2% from the prior year.

USPH Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$781.0M+16.3%	$671.3M+11.0%	$604.8M+9.3%	$553.1M+11.7%	$495.0M+17.0%	$423.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$149.7M+20.8%	$123.9M+2.0%	$121.5M+8.5%	$112.0M-4.4%	$117.2M+24.1%	$94.5M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$69.3M+18.8%	$58.3M+12.2%	$52.0M+12.7%	$46.1M-0.9%	$46.5M+10.7%	$42.0M
Operating Income	$86.7M+37.6%	$63.0M+24.7%	$50.5M-11.1%	$56.8M-19.6%	$70.6M+34.8%	$52.4M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$19.8M+35.6%	$14.6M+20.2%	$12.2M-0.1%	$12.2M-20.4%	$15.3M+17.3%	$13.0M
Net Income	$39.6M+26.0%	$31.4M+11.3%	$28.2M-12.2%	$32.2M-21.2%	$40.8M+16.0%	$35.2M
EPS (Diluted)	$1.42-22.8%	$1.84+43.8%	$1.28-43.1%	$2.25-6.6%	$2.41-2.8%	$2.48

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$202.7M+2.8%	$197.1M-0.1%	$197.3M+7.4%	$183.8M+1.9%	$180.4M+7.4%	$168.0M+0.5%	$167.2M+7.4%	$155.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$40.1M+8.8%	$36.9M-11.4%	$41.6M+34.0%	$31.1M-4.5%	$32.5M+11.7%	$29.1M-14.0%	$33.9M+19.2%	$28.4M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$18.1M+4.1%	$17.4M-0.4%	$17.5M+7.6%	$16.2M+4.3%	$15.6M+8.2%	$14.4M+1.0%	$14.2M+1.2%	$14.1M
Operating Income	$16.8M-33.8%	$25.3M+1.6%	$24.9M+27.0%	$19.6M-0.1%	$19.7M+53.0%	$12.8M-17.5%	$15.6M+4.3%	$14.9M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$5.8M+10.5%	$5.2M+6.1%	$4.9M+27.8%	$3.9M-33.8%	$5.8M+127.7%	$2.6M-17.0%	$3.1M-1.8%	$3.1M
Net Income	$4.2M-68.4%	$13.1M+6.0%	$12.4M+25.2%	$9.9M+7.1%	$9.2M+39.5%	$6.6M-11.7%	$7.5M-6.7%	$8.0M
EPS (Diluted)	N/A	$0.48-17.2%	$0.58-27.5%	$0.80	N/A	$0.39-17.0%	$0.47+2.2%	$0.46

USPH Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.2B+3.1%	$1.2B+17.1%	$997.2M+16.2%	$858.2M+14.5%	$749.4M+26.1%	$594.4M
Current Assets	$140.0M+1.7%	$137.6M-41.0%	$233.4M+109.7%	$111.3M+16.9%	$95.2M+8.6%	$87.6M
Cash & Equivalents	$35.6M-14.0%	$41.4M-72.9%	$152.8M+383.7%	$31.6M+10.6%	$28.6M-13.2%	$32.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$64.2M+8.8%	$59.0M+14.0%	$51.8M-0.2%	$51.9M+12.2%	$46.3M+10.4%	$41.9M
Goodwill	$692.4M+3.8%	$667.2M+30.9%	$509.6M+3.1%	$494.1M+13.7%	$434.7M+25.8%	$345.6M
Total Liabilities	$727.6M+7.2%	$678.5M+96.7%	$345.0M-7.7%	$373.6M-17.7%	$453.8M+42.6%	$318.2M
Current Liabilities	$139.0M+19.6%	$116.3M+13.8%	$102.2M+19.5%	$85.5M+2.4%	$83.5M-10.7%	$93.5M
Long-Term Debt	$152.6M+7.1%	$142.5M+2.5%	$139.0M-21.0%	$175.8M+49.5%	$117.6M+608.5%	$16.6M
Total Equity	$476.4M-2.6%	$488.9M+2.7%	$476.2M+50.8%	$315.8M+6.8%	$295.6M+7.0%	$276.2M
Retained Earnings	$227.2M0.0%	$227.3M+1.6%	$223.8M-3.9%	$232.9M+3.8%	$224.4M+5.8%	$212.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.2B+0.6%	$1.2B+1.4%	$1.2B0.0%	$1.2B+1.0%	$1.2B+13.4%	$1.0B+0.6%	$1.0B+0.6%	$1.0B
Current Assets	$140.0M+1.1%	$138.4M-1.5%	$140.5M-3.3%	$145.4M+5.6%	$137.6M-32.8%	$204.9M+1.6%	$201.7M-8.8%	$221.1M
Cash & Equivalents	$35.6M+14.4%	$31.1M-8.8%	$34.1M-13.0%	$39.2M-5.3%	$41.4M-64.6%	$117.0M+3.6%	$112.9M-14.6%	$132.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$64.2M-5.0%	$67.6M+2.5%	$66.0M+1.8%	$64.8M+9.7%	$59.0M+3.5%	$57.0M+4.3%	$54.7M-1.3%	$55.4M
Goodwill	$692.4M+0.3%	$690.4M+1.9%	$677.6M+0.5%	$674.4M+1.1%	$667.2M+20.3%	$554.6M+1.0%	$549.0M+2.8%	$534.3M
Total Liabilities	$727.6M+5.0%	$692.7M+2.0%	$678.9M-0.5%	$682.4M+0.6%	$678.5M+89.3%	$358.5M+1.5%	$353.2M+2.3%	$345.3M
Current Liabilities	$139.0M+20.8%	$115.1M-3.2%	$118.8M-4.0%	$123.8M+6.5%	$116.3M+0.9%	$115.3M+7.7%	$107.1M+4.5%	$102.5M
Long-Term Debt	$152.6M+0.7%	$151.5M-0.3%	$151.9M-3.4%	$157.2M+10.3%	$142.5M+7.2%	$132.9M-2.1%	$135.7M-0.8%	$136.7M
Total Equity	$476.4M-5.4%	$503.6M+0.6%	$500.8M+0.7%	$497.3M+1.7%	$488.9M+1.3%	$482.8M-0.4%	$484.6M+1.0%	$479.8M
Retained Earnings	$227.2M-4.2%	$237.3M+0.4%	$236.4M+0.9%	$234.2M+3.0%	$227.3M+0.6%	$225.9M-0.3%	$226.5M+1.3%	$223.6M

USPH Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$75.1M+0.2%	$74.9M-8.6%	$82.0M+40.0%	$58.5M-23.4%	$76.4M-23.6%	$100.0M
Capital Expenditures	$14.1M+53.2%	$9.2M-1.2%	$9.3M+12.7%	$8.2M+0.6%	$8.2M+7.4%	$7.6M
Free Cash Flow	$61.0M-7.2%	$65.8M-9.5%	$72.7M+44.5%	$50.3M-26.3%	$68.2M-26.1%	$92.4M
Investing Cash Flow	-$36.7M+75.4%	-$149.4M-232.0%	-$45.0M+44.6%	-$81.3M+34.5%	-$124.1M-142.4%	-$51.2M
Financing Cash Flow	-$44.1M-19.4%	-$37.0M-143.9%	$84.3M+227.1%	$25.8M-40.6%	$43.4M+210.0%	-$39.4M
Dividends Paid	$27.4M+3.1%	$26.5M+10.0%	$24.1M+13.2%	$21.3M+13.6%	$18.8M+356.6%	$4.1M
Share Buybacks	$5.6M	$0	$0	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$24.9M+25.0%	$19.9M-42.8%	$34.9M+845.7%	-$4.7M-124.1%	$19.4M-12.3%	$22.1M-23.7%	$29.0M+556.1%	$4.4M
Capital Expenditures	$3.9M-9.0%	$4.3M+32.7%	$3.3M+26.1%	$2.6M+3.6%	$2.5M-1.3%	$2.5M+8.0%	$2.3M+27.1%	$1.8M
Free Cash Flow	$21.0M+34.4%	$15.6M-50.6%	$31.6M+535.8%	-$7.3M-142.9%	$16.9M-13.7%	$19.6M-26.5%	$26.7M+932.8%	$2.6M
Investing Cash Flow	-$5.4M+54.4%	-$11.9M+6.1%	-$12.7M-91.7%	-$6.6M+93.0%	-$94.9M-1523.6%	-$5.8M+79.4%	-$28.3M-38.2%	-$20.5M
Financing Cash Flow	-$15.0M-36.7%	-$11.0M+59.7%	-$27.3M-398.7%	$9.1M+6063.4%	-$153K+98.7%	-$12.2M+39.1%	-$20.1M-347.2%	-$4.5M
Dividends Paid	$6.8M0.0%	$6.8M	N/A	N/A	$6.6M+0.1%	$6.6M	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

USPH Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	19.2%+0.7pp	18.5%-1.6pp	20.1%-0.2pp	20.3%-3.4pp	23.7%+1.3pp	22.3%
Operating Margin	11.1%+1.7pp	9.4%+1.0pp	8.3%-1.9pp	10.3%-4.0pp	14.3%+1.9pp	12.4%
Net Margin	5.1%+0.4pp	4.7%+0.0pp	4.7%-1.1pp	5.8%-2.4pp	8.3%-0.1pp	8.3%
Return on Equity	8.3%+1.9pp	6.4%+0.5pp	5.9%-4.3pp	10.2%-3.6pp	13.8%+1.1pp	12.7%
Return on Assets	3.3%+0.6pp	2.7%-0.1pp	2.8%-0.9pp	3.8%-1.7pp	5.5%-0.5pp	5.9%
Current Ratio	1.01-0.2	1.18-1.1	2.28+1.0	1.30+0.2	1.14+0.2	0.94
Debt-to-Equity	0.32+0.0	0.290.0	0.29-0.3	0.56+0.2	0.40+0.3	0.06
FCF Margin	7.8%-2.0pp	9.8%-2.2pp	12.0%+2.9pp	9.1%-4.7pp	13.8%-8.1pp	21.8%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	19.8%+1.1pp	18.7%-2.4pp	21.1%+4.2pp	16.9%-1.1pp	18.0%+0.7pp	17.3%-2.9pp	20.3%+2.0pp	18.2%
Operating Margin	8.3%-4.6pp	12.8%+0.2pp	12.6%+2.0pp	10.7%-0.2pp	10.9%+3.2pp	7.6%-1.7pp	9.3%-0.3pp	9.6%
Net Margin	2.1%-4.6pp	6.7%+0.4pp	6.3%+0.9pp	5.4%+0.3pp	5.1%+1.2pp	3.9%-0.6pp	4.5%-0.7pp	5.2%
Return on Equity	0.9%-1.7pp	2.6%+0.1pp	2.5%+0.5pp	2.0%+0.1pp	1.9%+0.5pp	1.4%-0.2pp	1.6%-0.1pp	1.7%
Return on Assets	0.3%-0.8pp	1.1%+0.0pp	1.1%+0.2pp	0.8%+0.0pp	0.8%+0.2pp	0.6%-0.1pp	0.7%-0.1pp	0.8%
Current Ratio	1.01-0.2	1.20+0.0	1.180.0	1.170.0	1.18-0.6	1.78-0.1	1.88-0.3	2.16
Debt-to-Equity	0.32+0.0	0.300.0	0.30-0.0	0.32+0.0	0.29+0.0	0.280.0	0.280.0	0.28
FCF Margin	10.4%+2.4pp	7.9%-8.1pp	16.0%+20.0pp	-4.0%-13.3pp	9.4%-2.3pp	11.7%-4.3pp	15.9%+14.3pp	1.7%

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Frequently Asked Questions

What is U S Physical Therapy's annual revenue?

U S Physical Therapy (USPH) reported $781.0M in total revenue for fiscal year 2025. This represents a 16.3% 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 U S Physical Therapy's revenue growing?

U S Physical Therapy (USPH) revenue grew by 16.3% year-over-year, from $671.3M to $781.0M in fiscal year 2025.

Is U S Physical Therapy profitable?

Yes, U S Physical Therapy (USPH) reported a net income of $39.6M in fiscal year 2025, with a net profit margin of 5.1%.

What is U S Physical Therapy's EBITDA?

U S Physical Therapy (USPH) had EBITDA of $109.1M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does U S Physical Therapy have?

As of fiscal year 2025, U S Physical Therapy (USPH) had $35.6M in cash and equivalents against $152.6M in long-term debt.

What is U S Physical Therapy's gross margin?

U S Physical Therapy (USPH) had a gross margin of 19.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is U S Physical Therapy's operating margin?

U S Physical Therapy (USPH) had an operating margin of 11.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is U S Physical Therapy's net profit margin?

U S Physical Therapy (USPH) had a net profit margin of 5.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does U S Physical Therapy pay dividends?

Yes, U S Physical Therapy (USPH) paid $1.80 per share in dividends during fiscal year 2025.

What is U S Physical Therapy's return on equity (ROE)?

U S Physical Therapy (USPH) has a return on equity of 8.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is U S Physical Therapy's free cash flow?

U S Physical Therapy (USPH) generated $61.0M in free cash flow during fiscal year 2025. This represents a -7.2% 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 U S Physical Therapy's operating cash flow?

U S Physical Therapy (USPH) generated $75.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are U S Physical Therapy's total assets?

U S Physical Therapy (USPH) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are U S Physical Therapy's capital expenditures?

U S Physical Therapy (USPH) invested $14.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does U S Physical Therapy buy back shares?

Yes, U S Physical Therapy (USPH) spent $5.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is U S Physical Therapy's current ratio?

U S Physical Therapy (USPH) had a current ratio of 1.01 as of fiscal year 2025, which is considered adequate.

What is U S Physical Therapy's debt-to-equity ratio?

U S Physical Therapy (USPH) had a debt-to-equity ratio of 0.32 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is U S Physical Therapy's return on assets (ROA)?

U S Physical Therapy (USPH) had a return on assets of 3.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is U S Physical Therapy's Altman Z-Score?

U S Physical Therapy (USPH) has an Altman Z-Score of 2.07, 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 U S Physical Therapy's Piotroski F-Score?

U S Physical Therapy (USPH) 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are U S Physical Therapy's earnings high quality?

U S Physical Therapy (USPH) has an earnings quality ratio of 1.90x, 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.

How financially healthy is U S Physical Therapy?

U S Physical Therapy (USPH) scores 49 out of 100 on our Financial Profile, indicating moderate 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.