SCIService Corporation International
Is it safe?
Elevated bankruptcy risk: a balance sheet under strain. Everything else is secondary until this clears.
Elevated financial-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).
High fundamental quality 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 (-$28.4M, 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 -34% · now 12% 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 SCI take a bad year?
Service Corporation International carries $5.04B of net debt at 4.19× 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
- 4.19×
Net debt / EBITDA · 4.10× a year ago · the load is going up
- Altman Z-score
- 0.77
Altman Z-score · distress zone, below 1.8
- Interest cover
- 3.78×
Interest cover · operating profit covers the interest bill, with room to spare
Details›
- Total debtQ2 2026
- $5.30B
- Cash and short-term investments
- $260M
- Net debt
- $5.04B
- EBITDA, trailing twelve months
- $1.20B
- Operating profit, trailing twelve months
- $977M
- Debt / equity
- 3.45×
- Total debt / EBITDA
- 4.41×
- Annualised volatilitytwo years of daily moves
- 24%
- Worst drawdown on file
- −34%
- Below its 52-week high
- 12%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Personal Services
Ranks #5 of 5 by RyuScore