MOAltria
Is it safe?
Strong, no red flags: a safe balance sheet, clean books, and insiders buying.
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).
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 buyers (+$101K, 90 days to Oct 8, 2026). SEC Form 4 filings: officers and directors must report their own trades within two business days.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Relatively steady, low volatility. Worst drawdown -54% · now 4% 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 MO take a bad year?
Altria carries $22.2B of net debt at 1.99× 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
- 1.99×
Net debt / EBITDA · 2.08× a year ago · the load is coming down
- Altman Z-score
- 4.65
Altman Z-score · safe zone, above 3
- Annualised volatility
- 23%
Annualised volatility · about as steady as the market itself
Details›
- Total debtQ2 2026
- $24.6B
- Cash and short-term investments
- $2.37B
- Net debt
- $22.2B
- EBITDA, trailing twelve months
- $11.1B
- Operating profit, trailing twelve months
- $11.0B
- Total debt / EBITDA
- 2.21×
- Annualised volatilitytwo years of daily moves
- 23%
- Worst drawdown on file
- −54%
- Below its 52-week high
- 4.2%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Consumer Defensive
Ranks #20 of 131 by RyuScore