HDHome Depot (The)
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 (-$3.3M, 90 days to Oct 8, 2026), selling is often routine.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Relatively steady, low volatility. Worst drawdown -38% · now 29% below its 52-week high.
Unless marked, from SEC EDGAR, as of Feb 1, 2026.
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 HD take a bad year?
Home Depot (The) carries $50.8B of net debt at 2.07× 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
- 2.07×
Net debt / EBITDA · 1.99× a year ago · the load is going up
- Altman Z-score
- 5.67
Altman Z-score · safe zone, above 3
- Interest cover
- 8.70×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ2 2026
- $52.9B
- Cash and short-term investments
- $2.08B
- Net debt
- $50.8B
- EBITDA, trailing twelve months
- $24.5B
- Operating profit, trailing twelve months
- $21.0B
- Debt / equity
- 3.18×
- Total debt / EBITDA
- 2.16×
- Annualised volatilitytwo years of daily moves
- 24%
- Worst drawdown on file
- −38%
- Below its 52-week high
- 29%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Consumer Cyclical
Ranks #90 of 303 by RyuScore