HNIHNI Corporation
Is it safe?
Solid, nothing alarming. Balance sheet to watch, quality moderate.
Mixed, watch the balance sheet Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
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 (-$4.6M, 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 -64% · now 9% below its 52-week high.
Unless marked, from SEC EDGAR, as of Jan 3, 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 HNI take a bad year?
HNI Corporation carries $1.27B of net debt at 4.41× EBITDA: a heavy load to carry through a bad year.
Net debt · as at Q2 2026 · over four years of earnings before interest, tax and depreciation, heavy
- Net debt / EBITDA
- 4.41×
Net debt / EBITDA · 1.26× a year ago · the load is going up
- Altman Z-score
- 1.46
Altman Z-score · distress zone, below 1.8
- Debt / equity
- 0.76×
Debt / equity
Details›
- Total debtQ2 2026
- $1.38B
- Cash and short-term investments
- $108M
- Net debt
- $1.27B
- EBITDA, trailing twelve months
- $287M
- Operating profit, trailing twelve months
- $89M
- Debt / equity
- 0.76×
- Total debt / EBITDA
- 4.79×
- Annualised volatilitytwo years of daily moves
- 33%
- Worst drawdown on file
- −64%
- Below its 52-week high
- 9.1%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Furnishings, Fixtures & Appliances
Ranks #8 of 13 by RyuScore