There’s no best value or best tool to judge someone’s financial capabilities, some thoughts but may not be only the way to judge.
Does this person have enough money to sustain themselves and their family (If dependents are there) during crisis is an important question to ask, what if you lose the job or the business is lost for one to two years?
Credit score is built by bankers to assess the history of a person to see ability to manage debit responsibly and make timely payments but score of a person who never took a loan vs someone who has ten emi’s a month will have different scores, might help you assess short-term capability.
Networth the aggregation of all your cash, assets minus debits, maybe you can use for longterm financial capability .
Financial capability is not only to make money but to make it work for you, keeping it in a bank account vs putting on Index or building something that builds continuous income.
So you need to sum a few things to determine that. Hope this makes sense.