SVVSavers Value Village, Inc.
Is it safe?
Elevated bankruptcy risk: a balance sheet under strain and big price swings. Everything else is secondary until this clears.
Elevated financial-distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Insiders were net sellers (-$478.8M, 90 days to Oct 8, 2026), selling is often routine.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -75% · now 33% 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 SVV take a bad year?
Savers Value Village, Inc. carries $619M of net debt at 2.78× EBITDA: a load its earnings can carry.
Net debt · as at Q2 2026 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 2.78×
Net debt / EBITDA · 3.15× a year ago · the load is coming down
- Altman Z-score
- 1.43
Altman Z-score · distress zone, below 1.8
- Debt / equity
- 1.61×
Debt / equity
Details›
- Total debtQ2 2026
- $714M
- Cash and short-term investments
- $95M
- Net debt
- $619M
- EBITDA, trailing twelve months
- $223M
- Operating profit, trailing twelve months
- $134M
- Debt / equity
- 1.61×
- Total debt / EBITDA
- 3.20×
- Annualised volatilitytwo years of daily moves
- 58%
- Worst drawdown on file
- −75%
- Below its 52-week high
- 33%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.