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The health factor (HF) compares everything your margin account holds with everything it owes:
Collateral includes tokens you deposited, tokens you borrowed (they sit in the account), tokens you swapped into, Blend supply and Soroswap / Aquarius LP positions. Tokens count at full oracle value, with no per-asset haircuts. LP positions are valued conservatively, at twice the smaller side of the pool’s reserves. An account with no debt shows No debt.
Health Factor must be strictly above 1.1 for a debt-bearing account to be healthy. Liquidation eligibility also depends on oracle and execution checks; displayed snapshots can lag current state.

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Zones

The Liquidation card on the Margin page shows the HF on a bar from 1.10 to 2.50+ and a buffer: how many dollars of collateral value you can lose before reaching 1.10.

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What moves it

Swaps and Farm deposits move value between assets inside the account, so they change the HF only by fees, price impact and how LP positions are valued.

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Where the app checks it

  • Borrow: the Risk Engine requires the account to stay above 1.10 after the borrow.
  • Withdraw to wallet: the app blocks withdrawals that would bring the HF to 1.10 or below; the Risk Engine checks again on-chain.
  • Spot: a swap that would drop the HF below 1.15 is blocked.
To raise your health factor fast: repay some debt or deposit more collateral. Farm positions must be exited before their tokens can repay a loan.
See Liquidation and the technical health factor page.