AI Analysis

Log in to generate an AI summary for this stock.

Log in to generate a MOAT report for this stock.

Log in to generate an earnings report for this stock.

Log in to generate an operating leverage report for this stock.

Log in to generate a management report for this stock.

Log in to generate a valuation report for this stock.

Ambow Education Holding Ltd.

$2.09 -$0.71 (-25.36%)
AMEX · 15 Sep 2026 16:02 UTC
Previous Close
$2.06
Day Range
$2.05$2.09
Year Range
$1.47$6.75
Market Cap
298.48K
AVG Volume
191.08K
Trailing/Forward PE
-0.46/-
PEG ratio
0
Dividend Yield
-
Next Earnings Date
-
Primary Exchange
New York Stock Exchange ArcaUS
Revenue (USD)
01M2M3M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q22.4M
26 Q12.8M
25 Q42.19M
25 Q32.19M
25 Q22.76M
25 Q12.53M
24 Q42.31M
24 Q32.31M
24 Q22.4M
24 Q12.38M
Net Income (USD)
-1M01M2M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q2-146.24K
26 Q1424K
25 Q4-262.43K
25 Q3-262.48K
25 Q21.77M
25 Q1939.24K
24 Q446.48K
24 Q346.5K
24 Q2123.01K
24 Q1107.82K
Operating Income (USD)
-400K-200K0200K400K600K24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q233.05K
26 Q1442K
25 Q4-177.45K
25 Q3-177.48K
25 Q2328.67K
25 Q1232.82K
24 Q4-153.45K
24 Q3-153.51K
24 Q265K
24 Q1-207.15K
EBITDA (USD)
-400K-200K0200K400K600K24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q233.05K
26 Q1466.38K
25 Q4-158.21K
25 Q3-173.48K
25 Q2332.67K
25 Q1236.81K
24 Q4-149.45K
24 Q3-149.01K
24 Q269.5K
24 Q1-202.66K
Cash Flows (USD)
-2M-1M01M2M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q21.07M
26 Q1-1.19M
25 Q4-720.31K
25 Q3-720.43K
25 Q21.9M
25 Q1-923K
24 Q4517.83K
24 Q3518.04K
24 Q2-300.52K
24 Q1-299.99K
EPS (USD)
-2-10124 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO EPS (USD) by quarter
PeriodEPS (USD)
26 Q2-1.03
26 Q10.15
25 Q4-1.83
25 Q3-1.83
25 Q20.62
25 Q10.33
24 Q40.02
24 Q30.02
24 Q20.04
24 Q10.04
Expenses (USD)
0500K1M1.5M2MR&DSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q21.2M
26 Q11.24M
25 Q41.66M
25 Q31.66M
25 Q21.14M
25 Q11.17M
24 Q41.94M
24 Q31.96M
24 Q21.27M
24 Q11.49M
Cash & Debt (USD)
02.5M5M7.5M10MCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q27.17M
26 Q14.2M
25 Q4831K
25 Q3830.92K
25 Q24.06M
25 Q11.12M
24 Q48.44M
24 Q31.12M
24 Q21.65M
24 Q10
Debt ratios
-150-100-5005024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Debt ratios by quarter
PeriodDebt ratios
26 Q29.47
26 Q111.55
25 Q437.4
25 Q334.05
25 Q230.78
25 Q1-142.68
24 Q4-0.93
24 Q3-5.14
24 Q2-2.92
24 Q1-0
Margins
0%20%40%60%80%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Margins by quarter
PeriodMargins
26 Q251.4%
26 Q160.24%
25 Q454.09%
25 Q354.09%
25 Q253.33%
25 Q155.33%
24 Q452.44%
24 Q352.44%
24 Q255.65%
24 Q153.74%
Return on Capital
-10%0%10%20%30%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Return on Capital by quarter
PeriodReturn on Capital
26 Q2-1.7%
26 Q14.87%
25 Q4-3.18%
25 Q3-3.18%
25 Q220.57%
25 Q113.98%
24 Q40.69%
24 Q30.69%
24 Q21.85%
24 Q11.68%
Shares Outstanding
01M2M3M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Shares Outstanding by quarter
PeriodShares Outstanding
26 Q2142.82K
26 Q12.86M
25 Q4142.82K
25 Q3142.82K
25 Q22.86M
25 Q12.86M
24 Q42.87M
24 Q32.87M
24 Q22.86M
24 Q12.86M
Book Value Per Share (USD)
02040608024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q260.16
26 Q13.05
25 Q457.77
25 Q357.76
25 Q23.02
25 Q12.35
24 Q42.35
24 Q32.35
24 Q22.33
24 Q12.25
Total Assets (USD)
010M20M30M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
AMBO Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q219.19M
26 Q120.06M
25 Q420.8M
25 Q320.79M
25 Q223.19M
25 Q10
24 Q417.37M
24 Q317.37M
24 Q217.57M
24 Q10
Employee Count
01K2K3K2016201720182019202020212022202320242025
AMBO Employee Count by quarter
PeriodEmployee Count
202541
202435
202337
202265
20211.09K
20201.81K
20192.16K
20181.88K
20171.69K
20161.63K
PE Ratio
010203040med 3.33Mar 22Apr 25Jul 25Oct 25Jan 26May 26Aug 26
AMBO PE Ratio by quarter
PeriodPE Ratio
Aug 263.07
Jul 263.38
Jul 263.83
Jul 263.88
Jul 263.81
Jul 263.77
Jun 263.98
Jun 264.01
Jun 264.51
Jun 263.91
May 264.08
May 264.2
May 264.2
May 260.15
May 260.15
Apr 260.14
Apr 260.15
Apr 260.15
Apr 260.16
Mar 260.13
Mar 260.13
Mar 260.11
Mar 260.11
Feb 260.11
Feb 260.15
Feb 260.15
Feb 260.14
Jan 260.15
Jan 260.16
Jan 260.16
Jan 260.16
Jan 260.16
Dec 250.17
Dec 250.2
Dec 250.21
Dec 250.24
Nov 254.24
Nov 253.9
Nov 254.26
Nov 253.51
Oct 253.97
Oct 254.51
Oct 254.3
Oct 255.85
Oct 253.53
Sep 253.6
Sep 254.03
Sep 253.73
Sep 253.28
Aug 253.53
Aug 253.54
Aug 253.08
Aug 252.81
Aug 257.17
Jul 256.4
Jul 256.92
Jul 257.29
Jul 256.11
Jun 256.23
Jun 255.96
Jun 256.55
Jun 256.48
May 257.24
May 2525.28
May 2527.05
May 2528.12
May 2528.29
Apr 2523.33
Apr 2522.71
Apr 2522.97
Apr 2525.46
Mar 2523.59
May 2226.31
May 2229.86
May 2229.12
May 2232.12
Apr 222.15
Apr 222.07
Apr 222.13
Apr 222.15
Apr 222.1
Mar 222.24
Mar 222.1
Mar 221.89
Mar 221.87
Feb 221.82
Feb 222.07
Feb 222.19
Feb 222.22
Jan 222.12
Jan 222.35
Jan 222.5
Jan 222.64
Dec 212.68
Dec 212.83
Dec 213
Dec 213.09
Dec 213.13
Free Cash Flow Yield
-600%-400%-200%0%200%400%med 5.89%Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
AMBO Free Cash Flow Yield by quarter
PeriodFree Cash Flow Yield
Sep 26-531.06%
Sep 26-523.44%
Sep 26-549.74%
Aug 26-516.03%
Aug 26-541.57%
Aug 26-513.61%
Aug 26-14.17%
Jul 26-12.89%
Jul 26-11.39%
Jul 26-11.24%
Jul 26-11.44%
Jul 26-11.54%
Jun 26-10.95%
Jun 26-10.86%
Jun 26-9.66%
Jun 26-11.14%
May 26-10.67%
May 26-10.37%
May 26-10.37%
May 26-145.29%
May 26-142.11%
Apr 26-145.95%
Apr 26-140.87%
Apr 26-139.66%
Apr 26-136.14%
Mar 26-162%
Mar 26-159.61%
Mar 26-191.72%
Mar 26-187.29%
Feb 26-184.09%
Feb 26-140.26%
Feb 26-137.29%
Feb 26215.45%
Jan 26206.44%
Jan 26194.6%
Jan 26200.34%
Jan 26191.85%
Jan 26193.9%
Dec 25180.98%
Dec 25155.12%
Dec 25144.78%
Dec 25129.27%
Nov 2516.95%
Nov 2518.41%
Nov 2516.87%
Nov 2520.44%
Oct 2518.08%
Oct 2515.92%
Oct 2516.71%
Oct 2512.26%
Oct 2520.32%
Sep 2519.92%
Sep 2517.8%
Sep 2519.26%
Sep 2521.9%
Aug 2520.32%
Aug 2520.26%
Aug 2523.27%
Aug 2525.55%
Aug 25-2.27%
Jul 25-2.54%
Jul 25-2.35%
Jul 25-2.23%
Jul 25-2.66%
Jun 25-2.61%
Jun 25-2.73%
Jun 25-2.48%
Jun 25-2.51%
May 25-2.24%
May 255.32%
May 254.97%
May 254.78%
May 254.75%
Apr 255.76%
Apr 255.92%
Apr 255.85%
Apr 255.28%
Mar 255.7%
Mar 2513.96%
Mar 2514.01%
Mar 2518.84%
Feb 2521.04%
Feb 2516.28%
Feb 2515.86%
Feb 2516.22%
Jan 2516.92%
Jan 2518.59%
Jan 2523.83%
Jan 2519.26%
Jan 2515.46%
Dec 2412.43%
Dec 2430.6%
Dec 2425.23%
Dec 2423.97%
Nov 2423.97%
Nov 2448.64%
Nov 2451.08%
Nov 2446.13%
Nov 2445.84%
Oct 2441.57%
Price to Sales
00.511.52med 0.7Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
AMBO Price to Sales by quarter
PeriodPrice to Sales
Sep 260.03
Sep 260.03
Sep 260.03
Aug 260.03
Aug 260.03
Aug 260.03
Aug 260.52
Jul 260.57
Jul 260.64
Jul 260.65
Jul 260.64
Jul 260.63
Jun 260.67
Jun 260.67
Jun 260.76
Jun 260.66
May 260.69
May 260.71
May 260.71
May 260.03
May 260.03
Apr 260.03
Apr 260.03
Apr 260.03
Apr 260.04
Mar 260.03
Mar 260.03
Mar 260.02
Mar 260.03
Feb 260.03
Feb 260.03
Feb 260.03
Feb 260.04
Jan 260.04
Jan 260.04
Jan 260.04
Jan 260.04
Jan 260.04
Dec 250.04
Dec 250.05
Dec 250.05
Dec 250.06
Nov 251.2
Nov 251.1
Nov 251.2
Nov 250.99
Oct 251.12
Oct 251.28
Oct 251.22
Oct 251.66
Oct 251
Sep 251.02
Sep 251.14
Sep 251.05
Sep 250.93
Aug 251
Aug 251
Aug 250.87
Aug 250.8
Aug 250.87
Jul 250.77
Jul 250.84
Jul 250.88
Jul 250.74
Jun 250.75
Jun 250.72
Jun 250.79
Jun 250.78
May 250.88
May 250.87
May 250.93
May 250.97
May 250.97
Apr 250.8
Apr 250.78
Apr 250.79
Apr 250.88
Mar 250.81
Mar 251.03
Mar 251.03
Mar 250.76
Feb 250.68
Feb 250.88
Feb 250.91
Feb 250.89
Jan 250.85
Jan 250.77
Jan 250.6
Jan 250.75
Jan 250.93
Dec 241.16
Dec 240.47
Dec 240.57
Dec 240.6
Nov 240.6
Nov 240.53
Nov 240.51
Nov 240.56
Nov 240.57
Oct 240.63
EV/EBITDA
02505007501000med 31.6Nov 22Mar 23Jul 25Nov 25Feb 26Jun 26Sep 26
AMBO EV/EBITDA by quarter
PeriodEV/EBITDA
Sep 2611.23
Sep 2611.25
Sep 2611.17
Aug 2611.28
Aug 2611.19
Aug 2611.29
Aug 2622.56
Jul 2623.66
Jul 2625.24
Jul 2625.43
Jul 2625.18
Jul 2625.06
Jun 2625.79
Jun 2625.92
Jun 2627.69
Jun 2625.55
May 2626.16
May 2626.59
May 2626.59
May 2638.74
May 2638.77
Apr 2638.74
Apr 2638.79
Apr 2638.8
Apr 2638.83
Mar 2638.61
Mar 2638.62
Mar 2638.42
Mar 2638.44
Feb 2638.46
Feb 2638.79
Feb 2638.82
Feb 2635.51
Jan 2635.58
Jan 2635.67
Jan 2635.62
Jan 2635.69
Jan 2635.67
Dec 2535.79
Dec 2536.08
Dec 2536.22
Dec 2536.49
Nov 2574.63
Nov 2571.15
Nov 2574.84
Nov 2567.14
Oct 2571.89
Oct 2577.47
Oct 2575.26
Oct 2591.38
Oct 2567.35
Sep 2568.09
Sep 2572.52
Sep 2569.36
Sep 2564.72
Aug 2567.35
Aug 2567.46
Aug 2562.72
Aug 2559.87
Aug 25912.82
Jul 25799.99
Jul 25876.42
Jul 25931.01
Jul 25756.31
Jun 25774.51
Jun 25734.47
Jun 25821.82
Jun 25810.91
May 25923.73
Apr 230.07
Apr 230.07
Apr 230.07
Mar 230.07
Mar 230.07
Mar 230.07
Mar 230.07
Mar 230.07
Feb 230.07
Feb 230.08
Feb 230.08
Feb 230.08
Jan 230.07
Jan 230.07
Jan 230.07
Jan 230.07
Dec 220.07
Dec 220.07
Dec 220.07
Dec 220.07
Dec 220.07
Nov 220.98
Nov 220.73
Nov 220.77
Nov 221.24
Oct 220.65
Oct 220.75
Oct 220.84
Oct 220.73
Sep 220.85
Sep 220.88
Price/Operating Cashflow
02.557.510med 3.23Aug 24Nov 24Mar 25Jun 25Oct 25Jan 26May 26
AMBO Price/Operating Cashflow by quarter
PeriodPrice/Operating Cashflow
May 262.32
May 262.37
Apr 262.31
Apr 262.39
Apr 262.42
Apr 262.48
Mar 262.08
Mar 262.11
Mar 261.76
Mar 261.8
Feb 261.83
Feb 262.41
Feb 262.46
Feb 260.21
Jan 260.22
Jan 260.24
Jan 260.23
Jan 260.24
Jan 260.24
Dec 250.26
Dec 250.3
Dec 250.32
Dec 250.36
Nov 253.7
Nov 253.4
Nov 253.72
Nov 253.07
Oct 253.47
Oct 253.94
Oct 253.75
Oct 255.11
Oct 253.08
Sep 253.15
Sep 253.52
Sep 253.25
Sep 252.86
Aug 253.08
Aug 253.09
Aug 252.69
Aug 252.45
Aug 258.18
Jul 257.31
Jul 257.9
Jul 258.32
Jul 256.97
Jun 257.11
Jun 256.8
Jun 257.48
Jun 257.39
May 258.27
May 255.01
May 255.36
May 255.57
May 255.6
Apr 254.62
Apr 254.5
Apr 254.55
Apr 255.04
Mar 254.67
Mar 254.83
Mar 254.81
Mar 253.58
Feb 253.2
Feb 254.14
Feb 254.25
Feb 254.15
Jan 253.98
Jan 253.62
Jan 252.83
Jan 253.5
Jan 254.36
Dec 245.42
Dec 242.2
Dec 242.67
Dec 242.81
Nov 242.81
Nov 242.06
Nov 241.96
Nov 242.17
Nov 242.18
Oct 242.41
Oct 242.67
Oct 242.71
Oct 241.72
Sep 241.52
Sep 241.52
Sep 241.78
Sep 241.61
Aug 241.82
Aug 244.3
Aug 243.98
Aug 243.62
Aug 243.91
Jul 244.07
Jul 244.24
Jul 244.3
Jul 243.91
Jun 243.91
Jun 243.94
Jun 244.24
Price to Book
00.511.52med 0.81Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
AMBO Price to Book by quarter
PeriodPrice to Book
Sep 260.03
Sep 260.03
Sep 260.03
Aug 260.04
Aug 260.03
Aug 260.04
Aug 260.59
Jul 260.65
Jul 260.73
Jul 260.74
Jul 260.73
Jul 260.73
Jun 260.76
Jun 260.77
Jun 260.87
Jun 260.75
May 260.78
May 260.81
May 260.81
May 260.04
May 260.04
Apr 260.04
Apr 260.04
Apr 260.04
Apr 260.04
Mar 260.03
Mar 260.04
Mar 260.03
Mar 260.03
Feb 260.03
Feb 260.04
Feb 260.04
Feb 260.04
Jan 260.05
Jan 260.05
Jan 260.05
Jan 260.05
Jan 260.05
Dec 250.05
Dec 250.06
Dec 250.06
Dec 250.07
Nov 251.38
Nov 251.27
Nov 251.38
Nov 251.14
Oct 251.29
Oct 251.47
Oct 251.4
Oct 251.91
Oct 251.15
Sep 251.17
Sep 251.31
Sep 251.21
Sep 251.07
Aug 251.15
Aug 251.15
Aug 251
Aug 250.91
Aug 251.23
Jul 251.1
Jul 251.19
Jul 251.25
Jul 251.05
Jun 251.07
Jun 251.02
Jun 251.13
Jun 251.11
May 251.25
May 251.22
May 251.3
May 251.35
May 251.36
Apr 251.12
Apr 251.09
Apr 251.1
Apr 251.22
Mar 251.13
Mar 251.32
Mar 251.31
Mar 250.98
Feb 250.87
Feb 251.13
Feb 251.16
Feb 251.13
Jan 251.09
Jan 250.99
Jan 250.77
Jan 250.95
Jan 251.19
Dec 241.48
Dec 240.6
Dec 240.73
Dec 240.77
Nov 240.77
Nov 240.63
Nov 240.6
Nov 240.67
Nov 240.67
Oct 240.74
Ambow Education Holding Ltd.
AMBO
Stockpicker

Video analysis: AMBO

All videos

No video analysis for this stock yet. Request one from our team.

Your email is used only to follow up on this request. We do not add you to marketing lists. Privacy Policy

News: AMBO

Ambow Education Holding Ltd. (NYSE American: AMBO) Introduces HybriU as a Digital Intelligent Infrastructure

globenewswire.com · 27 Aug 2026

Ambow Education Holding Ltd. (NYSE American: AMBO) Introduces HybriU as a Digital Intelligent Infrastructure

Ten Integrated Products Connect Physical Spaces, AI Intelligence and Institutional Knowledge Through a Unified Architecture Designed to Compound in Value Over Time

Ambow Education Holding Ltd. (NYSE American: AMBO) Announces First Half and Second Quarter of 2026 Financial Results

globenewswire.com · 14 Aug 2026

Ambow Education Holding Ltd. (NYSE American: AMBO) Announces First Half and Second Quarter of 2026 Financial Results

Key Facts At-a-Glance Who: Ambow Education Holding Ltd. (NYSE American: AMBO) What: Unaudited financial and operating results for the three-month and six-month periods ended June 30, 2026 When: Reported August 14, 2026; Quarterly Report on Form 10-Q filed with the SEC the same day First Half Revenue: Net revenues increased 2.0% to $5.2 million from $5.1 million in the first half of 2025 Second Quarter Revenue: Net revenues decreased 14.3% to $2.4 million from $2.8 million in the second quarter of 2025 Margin: First half gross profit margin expanded to 55.8% from 54.9% Balance Sheet: Cash resources of $7.2 million as of June 30, 2026, and positive working capital of $5.5 million CUPERTINO, Calif.

Ambow Education Holding Ltd. (NYSE American: AMBO) Launches HybriU AI Adaptive Course Generation Platform

globenewswire.com · 30 Jul 2026

Ambow Education Holding Ltd. (NYSE American: AMBO) Launches HybriU AI Adaptive Course Generation Platform

New AI-Native Platform Transforms Institutional Knowledge into Personalized Learning Applications and Verified Mastery Key Facts At-a-Glance Who: Ambow Education Holding Ltd. (NYSE American: AMBO), through its patented HybriU product suite What: General availability of the HybriU AI Adaptive Course Generation Platform, which transforms any topic, learning objective, or body of institutional knowledge into a personalized learning application for every learner When: Available globally as of July 30, 2026; demonstration requests accepted at www.hybriu.com  Where: Delivered worldwide through desktop and mobile web; Ambow is headquartered in Cupertino, California Why: Extends HybriU's Knowledge Intelligence strategy from knowledge capture into knowledge activation, targeting the global corporate training market projected by Grand View Research to reach $458 billion in 2026 How Much: Enterprise pricing and institutional deployment inquiries at ir@ambow.com  Platform Context: Third HybriU product launch of 2026, following the HybriU Collaboration Board and HybriU ProjectHub CUPERTINO, Calif.

Ambow Education Holding Ltd. Subsidiary NewSchool of Architecture & Design Concludes AI Design Workshop and Design & Build Summer Intensive, Advancing AI-Powered Design Education for the Next Generation

globenewswire.com · 9 Jul 2026

Ambow Education Holding Ltd. Subsidiary NewSchool of Architecture & Design Concludes AI Design Workshop and Design & Build Summer Intensive, Advancing AI-Powered Design Education for the Next Generation

Four-Day Program at NewSchool's Downtown San Diego Campus Introduced Youth to AI-Augmented Architecture, Design, and Construction Through Hands-On Studio Learning

Ambow Education Holding Ltd. (NYSE American: AMBO) Launches HybriU ProjectHub, an AI-Powered Project Collaboration Platform Unifying Documents, Conversations, and Live Collaboration in a Single Secure Workspace

globenewswire.com · 18 Jun 2026

Ambow Education Holding Ltd. (NYSE American: AMBO) Launches HybriU ProjectHub, an AI-Powered Project Collaboration Platform Unifying Documents, Conversations, and Live Collaboration in a Single Secure Workspace

New AI Assistant Generates Summaries and Reports from Project Materials; Role-Based Access Control Protects Sensitive Information Across Distributed Teams

Similar companies

Disclaimer: The historical data presented on this platform is provided by Financial Modeling Prep. Stock Picker is a platform for informational purposes only and does not provide financial advice. Users are encouraged to conduct their own research and consult with a qualified financial advisor before making investment decisions.