BFAMBright Horizons Family Solutions Inc.
Is it safe?
Strong, no red flags: clean books and quality strong.
Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Reported earnings show no manipulation flags Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).
High fundamental quality Piotroski F-score, nine pass/fail tests of year-over-year financial health across profitability, balance sheet and efficiency. 7 to 9 is strong, 0 to 3 weak.
Insiders were net sellers (-$657K, 90 days to Oct 8, 2026), selling is often routine.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Moderate price swings, typical volatility. Worst drawdown -69% · now 37% below its 52-week high.
Unless marked, from SEC EDGAR, as of Dec 31, 2025.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can BFAM take a bad year?
Bright Horizons Family Solutions Inc. carries $1.12B of net debt at 2.76× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 2.76×
Net debt / EBITDA · 1.92× a year ago · the load is going up
- Altman Z-score
- 2.05
Altman Z-score · grey zone, between 1.8 and 3
- Interest cover
- 6.23×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ2 2026
- $1.29B
- Cash and short-term investments
- $164M
- Net debt
- $1.12B
- EBITDA, trailing twelve months
- $408M
- Operating profit, trailing twelve months
- $311M
- Debt / equity
- 1.36×
- Total debt / EBITDA
- 3.16×
- Annualised volatilitytwo years of daily moves
- 40%
- Worst drawdown on file
- −69%
- Below its 52-week high
- 37%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Personal Services
Ranks #3 of 5 by RyuScore