TJXTJX Companies
Is it safe?
Strong, no red flags: clean books, quality strong, and comfortable debt (AA).
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.
Net cash and profitable. A rule of thumb on leverage, not a credit rating.
Relatively steady, low volatility. Worst drawdown -43% · now 18% below its 52-week high.
Unless marked, from SEC EDGAR, as of Jan 31, 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 TJX take a bad year?
TJX Companies holds $3.13B 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
- Debt / equity
- 0.27×
Debt / equity
- Annualised volatility
- 20%
Annualised volatility · about as steady as the market itself
Details›
- Total debtQ2 2026
- $2.87B
- Cash and short-term investments
- $6.00B
- Net cash
- $3.13B
- Debt / equity
- 0.27×
- Annualised volatilitytwo years of daily moves
- 20%
- Worst drawdown on file
- −43%
- Below its 52-week high
- 18%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Apparel Retail
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