EVCMEverCommerce Inc.
Is it safe?
Solid, nothing alarming: big price swings.
Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Insiders were net sellers (-$5.4M, 90 days to Oct 8, 2026), selling is often routine.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -74% · now 32% 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 EVCM take a bad year?
EverCommerce Inc. carries $387M of net debt at 3.14× 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
- 3.14×
Net debt / EBITDA · 2.85× a year ago · the load is going up
- Altman Z-score
- 1.43
Altman Z-score · distress zone, below 1.8
- Interest cover
- 1.78×
Interest cover · operating profit barely covers the interest bill
Details›
- Total debtQ2 2026
- $521M
- Cash and short-term investments
- $133M
- Net debt
- $387M
- EBITDA, trailing twelve months
- $124M
- Operating profit, trailing twelve months
- $59M
- Debt / equity
- 0.73×
- Total debt / EBITDA
- 4.22×
- Annualised volatilitytwo years of daily moves
- 56%
- Worst drawdown on file
- −74%
- Below its 52-week high
- 32%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software, Application
Ranks #25 of 96 by RyuScore