WWayfair Inc.
Is it safe?
Elevated bankruptcy risk: a balance sheet under strain, heavy debt (BB), 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.
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 (-$30.6M, 90 days to Oct 8, 2026), selling is often routine.
Moderately leveraged. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -93% · now 11% 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 W take a bad year?
Wayfair Inc. carries $1.69B of net debt at 3.44× 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
- 3.44×
Net debt / EBITDA · 35.4× a year ago · the load is coming down
- Altman Z-score
- 2.82
Altman Z-score · grey zone, between 1.8 and 3
- Annualised volatility
- 73%
Annualised volatility · three times the market's own swing
Details›
- Total debtQ2 2026
- $2.84B
- Cash and short-term investments
- $1.14B
- Net debt
- $1.69B
- EBITDA, trailing twelve months
- $492M
- Operating profit, trailing twelve months
- $215M
- Total debt / EBITDA
- 5.76×
- Annualised volatilitytwo years of daily moves
- 73%
- Worst drawdown on file
- −93%
- Below its 52-week high
- 11%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Internet Retail
Ranks #13 of 14 by RyuScore