IMKTAIngles Markets, Incorporated
Is it safe?
Strong, no red flags: a safe balance sheet, clean books, and comfortable debt (AA).
Financially healthy, low distress risk 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).
Rock-solid balance sheet, low leverage. A rule of thumb on leverage, not a credit rating.
Moderate price swings, typical volatility. Worst drawdown -59% · now 10% below its 52-week high.
Unless marked, from SEC EDGAR, as of Sep 27, 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 IMKTA take a bad year?
Ingles Markets, Incorporated carries $45M of net debt at 0.17× EBITDA: a load its earnings can carry.
Net debt · as at Q3 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 0.17×
Net debt / EBITDA · 0.88× a year ago · the load is coming down
- Altman Z-score
- 4.48
Altman Z-score · safe zone, above 3
- Interest cover
- 7.71×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ3 2026
- $501M
- Cash and short-term investments
- $455M
- Net debt
- $45M
- EBITDA, trailing twelve months
- $264M
- Operating profit, trailing twelve months
- $143M
- Debt / equity
- 0.30×
- Total debt / EBITDA
- 1.89×
- Annualised volatilitytwo years of daily moves
- 27%
- Worst drawdown on file
- −59%
- Below its 52-week high
- 10%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.