TIMBTIM S.A.
Is it safe?
Nothing alarming, nothing pristine: comfortable debt (AA) and typical volatility.
Net cash and profitable. A rule of thumb on leverage, not a credit rating.
Moderate price swings, typical volatility. Worst drawdown -53% · now 36% below its 52-week high.
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 TIMB take a bad year?
TIM S.A. holds $832M more cash than debt, so a bad year is a question about profits, not about lenders.
Net cash
- Net debt / EBITDA
- net cash
Net debt / EBITDA · no net borrowings to measure against earnings
- Interest cover
- 1.89×
Interest cover · operating profit barely covers the interest bill
- Annualised volatility
- 33%
Annualised volatility · about as steady as the market itself
Details›
- Total debtFY2025
- $2.78B
- Cash and short-term investments
- $3.61B
- Net cash
- $832M
- EBITDA, trailing twelve months
- $13.4B
- Operating profit, trailing twelve months
- $6.34B
- Debt / equity
- 0.12×
- Total debt / EBITDA
- 0.21×
- Annualised volatilitytwo years of daily moves
- 33%
- Worst drawdown on file
- −53%
- Below its 52-week high
- 36%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.