PEPPepsiCo
Is it safe?
Strong, no red flags: a safe balance sheet, clean books, and steady price behavior.
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 sellers (-$405K, 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 -30% · now 25% below its 52-week high.
Unless marked, from SEC EDGAR, as of Dec 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 PEP take a bad year?
PepsiCo carries $40.7B of net debt at 2.21× 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
- 2.21×
Net debt / EBITDA · 3.02× a year ago · the load is coming down
- Altman Z-score
- 3.46
Altman Z-score · safe zone, above 3
- Interest cover
- 14.5×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ3 2026
- $51.9B
- Cash and short-term investments
- $11.2B
- Net debt
- $40.7B
- EBITDA, trailing twelve months
- $18.4B
- Operating profit, trailing twelve months
- $15.1B
- Debt / equity
- 2.33×
- Total debt / EBITDA
- 2.82×
- Annualised volatilitytwo years of daily moves
- 21%
- Worst drawdown on file
- −30%
- Below its 52-week high
- 25%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Beverages, Non-Alcoholic
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