EBAYeBay Inc.
Is it safe?
Solid, nothing alarming. Safe balance sheet, some accounting flags, quality moderate.
Financially healthy, low distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Some accounting flags, worth a closer look Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).
Mixed fundamental signals 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 (-$7.7M, 90 days to Oct 9, 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 -54% · now 5% 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 EBAY take a bad year?
eBay Inc. carries $3.68B of net debt at 1.32× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 1.32×
Net debt / EBITDA · 1.71× a year ago · the load is coming down
- Altman Z-score
- 6.49
Altman Z-score · safe zone, above 3
- Interest cover
- 9.90×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ2 2026
- $5.99B
- Cash and short-term investments
- $2.31B
- Net debt
- $3.68B
- EBITDA, trailing twelve months
- $2.79B
- Operating profit, trailing twelve months
- $2.46B
- Debt / equity
- 1.28×
- Total debt / EBITDA
- 2.15×
- Annualised volatilitytwo years of daily moves
- 36%
- Worst drawdown on file
- −54%
- Below its 52-week high
- 5.4%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Internet Retail
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