$23.95

+0.47 (+2.00%)

Weekly Expected Move ±6.9%

$20 $21 $23 $24 $26

NASDAQ · Consumer Cyclical · Apparel - Retail · Alpha Radar Neutral · Power 46 · $413.3M mcap · 13M float · 1.12% daily turnover · Short 46% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

44.4 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 2.9% · 5Y Avg: 7.0%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. ZUMZ shows a Weak competitive edge (44.4/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 2.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 12Hold: 21Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-06-07	Jefferies	Corey Tarlowe	Initiated	$19	—	+1.3%	$18.75
2024-06-07	B.Riley Financial	Jeff Van Sinderen	Initiated	$20	—	+6.7%	$18.75

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. ZUMZ receives an overall rating of B. Areas of concern: D/E (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-05-18	B+	B
2026-05-11	B	B+
2026-03-13	C-	B
2026-03-12	C+	C-
2026-02-13	B-	C+
2026-02-13	C+	B-
2026-01-30	B-	C+
2026-01-20	C+	B-
2026-01-16	B-	C+
2026-01-03	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 58 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. ZUMZ scores highest in Momentum (92/100) and lowest in Profitability (27/100). An overall grade of A places ZUMZ among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

2.63

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.28

Unlikely Manipulator

Ohlson O-Score

-7.51

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

A-

Score: 69.7/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 4.00x

Accruals: -5.9%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. ZUMZ scores 2.63, placing it in the Grey Zone (safe > 2.99, distress < 1.81). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. ZUMZ scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. ZUMZ's score of -2.28 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. ZUMZ's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. ZUMZ receives an estimated rating of A- (score: 69.7/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). ZUMZ's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

30.03x

PEG

0.00x

P/S

0.44x

P/B

1.24x

P/FCF

8.31x

P/OCF

7.94x

EV/EBITDA

11.35x

EV/Revenue

0.50x

EV/EBIT

24.52x

EV/FCF

9.07x

Earnings Yield

3.15%

FCF Yield

12.04%

Shareholder Yield

9.01%

Graham Number

$18.11

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 30.0x earnings, ZUMZ commands a growth premium. Graham's intrinsic value formula yields $18.11 per share, 32% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.556

NI / EBT

Interest Burden

1.274

EBT / EBIT

EBIT Margin

0.020

EBIT / Rev

Asset Turnover

1.362

Rev / Assets

Equity Multiplier

2.013

Assets / Equity

ROE

3.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ZUMZ's ROE of 3.9% is driven by Asset Turnover (1.362), indicating efficient use of assets to generate revenue. A tax burden ratio of 0.56 suggests the company retains less than 60% of pre-tax earnings after taxes.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$6.59

Price/Value

3.73x

Margin of Safety

-273.31%

Premium

273.31%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with ZUMZ's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. ZUMZ trades at a 273% premium to its adjusted intrinsic value of $6.59, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 30.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$23.95

Median 1Y

$20.87

5th Pctile

$8.40

95th Pctile

$51.78

Ann. Volatility

52.8%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Richard M. Brooks Chief Executive Officer and Director	$735,000	$—	$1,749,159
Christopher C. Work Chief Financial Officer	$481,000	$324,999	$1,530,848
Adam C. Ellis President International	$478,000	$299,987	$1,481,255
Erin D. Wendte Chief Commercial Officer	$478,000	$249,992	$1,330,396
Chris K. Visser Chief Legal Officer and Secretary	$402,000	$224,994	$1,144,576
Thomas D. Campion Chairman of the Board	$335,000	$—	$578,491

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

6,600

+175.0% YoY

Revenue / Employee

—

Profit / Employee

—

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
ROE	11.3%	1.9%	7.5%	12.1%	12.6%	20.6%	21.6%	17.3%	11.2%	7.9%	-1.8%	-3.9%	-5.1%	-11.2%	-7.5%	-4.9%	-8.4%	-4.4%	-1.5%	3.9%	3.95%
ROA	8.3%	1.1%	4.5%	7.3%	7.8%	11.0%	11.5%	9.1%	6.2%	4.3%	-1.0%	-2.1%	-2.8%	-6.0%	-4.0%	-2.6%	-4.5%	-2.3%	-0.8%	2.0%	1.96%
ROIC	17.0%	0.9%	5.2%	8.8%	11.5%	20.8%	21.8%	17.6%	12.4%	8.8%	-0.9%	-2.7%	-3.5%	-10.2%	-6.1%	-3.6%	-7.9%	-3.7%	9.7%	2.9%	2.89%
ROCE	13.2%	1.6%	6.0%	9.3%	9.8%	17.2%	17.9%	15.7%	11.5%	8.2%	-0.9%	-2.8%	-3.7%	-10.0%	-6.0%	-3.5%	-7.9%	-3.7%	-1.1%	3.5%	3.55%
Gross Margin	35.8%	17.2%	36.3%	39.0%	37.0%	39.1%	39.6%	32.8%	34.1%	34.5%	27.0%	31.7%	33.8%	29.3%	34.2%	35.2%	30.0%	35.5%	37.6%	38.2%	38.24%
Operating Margin	9.2%	-20.2%	13.2%	14.0%	12.3%	11.9%	13.8%	0.2%	2.3%	4.4%	-11.7%	-5.4%	-0.1%	-11.3%	-0.2%	1.1%	-10.8%	0.0%	5.1%	9.1%	9.06%
Net Margin	7.3%	-15.3%	10.1%	10.8%	9.5%	8.9%	10.6%	-0.2%	1.4%	2.9%	-10.1%	-4.4%	-1.0%	-9.5%	-0.4%	0.5%	-7.8%	-0.5%	3.8%	6.7%	6.71%
EBITDA Margin	12.1%	-15.8%	16.1%	16.2%	14.4%	14.0%	15.7%	2.7%	4.9%	6.2%	-8.7%	-2.6%	2.4%	-8.2%	2.4%	1.1%	-7.9%	2.9%	7.3%	10.8%	10.82%
FCF Margin	1.1%	-0.5%	7.5%	6.8%	10.5%	13.2%	7.3%	3.3%	0.5%	-3.9%	-8.4%	-7.5%	-7.1%	-7.8%	-5.3%	-4.2%	-7.1%	-2.3%	-1.6%	5.5%	5.50%
OCF Margin	3.3%	1.4%	9.3%	8.2%	11.6%	14.2%	8.3%	4.5%	2.1%	-1.7%	-5.7%	-4.3%	-4.2%	-5.4%	-3.2%	-4.0%	-7.1%	-3.0%	-2.6%	5.8%	5.76%
ROE 3Y Avg	snapshot only																				-1.77%
ROE 5Y Avg	snapshot only																				4.64%
ROA 3Y Avg	snapshot only																				-1.05%
ROIC 3Y Avg	snapshot only																				-1.14%
ROIC Economic	snapshot only																				2.08%
Cash ROA	snapshot only																				7.64%
Cash ROIC	snapshot only																				14.73%
CROIC	snapshot only																				14.07%
NOPAT Margin	snapshot only																				1.13%
Pretax Margin	snapshot only																				2.59%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				33.96%
SBC / Revenue	snapshot only																				0.78%

Valuation

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
P/E Ratio	19.06	67.52	17.86	13.42	18.45	10.67	9.09	8.87	8.73	10.82	-38.24	-21.63	-13.94	-7.29	-16.41	-19.74	-7.09	-14.76	-71.92	31.73	30.030
P/S Ratio	0.86	0.63	0.66	0.76	1.18	1.05	0.90	0.68	0.50	0.45	0.39	0.44	0.37	0.43	0.58	0.45	0.27	0.27	0.42	0.46	0.445
P/B Ratio	2.04	1.14	1.25	1.52	2.00	2.03	1.81	1.53	1.07	0.93	0.82	0.90	0.76	0.95	1.32	1.05	0.66	0.67	1.10	1.31	1.239
P/FCF	77.45	-119.45	8.79	11.21	11.22	7.94	12.47	20.39	108.49	-11.56	-4.63	-5.87	-5.25	-5.55	-10.95	-10.62	-3.89	-11.69	-26.54	8.31	8.309
P/OCF	26.30	44.75	7.11	9.29	10.15	7.39	10.93	15.08	24.02	—	—	—	—	—	—	—	—	—	—	7.94	7.938
EV/EBITDA	7.74	17.17	9.71	8.52	10.17	6.53	5.62	5.33	4.75	5.32	26.91	97.48	-398.00	-12.62	-55.25	-213.75	-12.52	-348.17	35.35	11.35	11.348
EV/Revenue	0.68	0.75	0.77	0.87	1.11	0.99	0.85	0.65	0.47	0.42	0.48	0.53	0.47	0.50	0.64	0.51	0.34	0.33	0.48	0.50	0.499
EV/EBIT	11.14	53.54	14.99	11.47	13.24	7.64	6.53	6.46	6.09	7.38	-73.08	-26.73	-17.42	-7.35	-16.50	-22.81	-7.11	-15.40	-80.56	24.52	24.518
EV/FCF	61.76	-140.81	10.23	12.73	10.58	7.50	11.69	19.63	102.73	-10.86	-5.75	-7.17	-6.63	-6.37	-12.11	-12.03	-4.82	-14.44	-30.38	9.07	9.066
Earnings Yield	5.2%	1.5%	5.6%	7.5%	5.4%	9.4%	11.0%	11.3%	11.5%	9.2%	-2.6%	-4.6%	-7.2%	-13.7%	-6.1%	-5.1%	-14.1%	-6.8%	-1.4%	3.2%	3.15%
FCF Yield	1.3%	-0.8%	11.4%	8.9%	8.9%	12.6%	8.0%	4.9%	0.9%	-8.6%	-21.6%	-17.0%	-19.0%	-18.0%	-9.1%	-9.4%	-25.7%	-8.6%	-3.8%	12.0%	12.04%
PEG Ratio	snapshot only																				0.003
Price/Tangible Book	snapshot only																				1.447
EV/OCF	snapshot only																				8.662
EV/Gross Profit	snapshot only																				1.393
Acquirers Multiple	snapshot only																				24.518
Shareholder Yield	snapshot only																				9.01%
Graham Number	snapshot only																				$18.11

Leverage & Solvency

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Current Ratio	3.51	2.58	2.58	2.58	2.74	2.74	2.74	2.43	2.43	2.43	2.33	2.33	2.33	2.27	2.27	2.27	2.07	2.07	2.07	2.01	2.006
Quick Ratio	2.13	1.74	1.74	1.74	2.05	2.05	2.05	1.73	1.73	1.73	1.41	1.41	1.41	1.37	1.37	1.37	1.13	1.13	1.13	1.13	1.128
Debt/Equity	0.00	0.74	0.74	0.74	0.57	0.57	0.57	0.57	0.57	0.57	0.62	0.62	0.62	0.63	0.63	0.63	0.61	0.61	0.61	0.61	0.615
Net Debt/Equity	-0.41	0.20	0.20	0.20	-0.11	-0.11	-0.11	-0.06	-0.06	-0.06	0.20	0.20	0.20	0.14	0.14	0.14	0.16	0.16	0.16	0.12	0.119
Debt/Assets	0.00	0.38	0.38	0.38	0.31	0.31	0.31	0.31	0.31	0.31	0.34	0.34	0.34	0.33	0.33	0.33	0.31	0.31	0.31	0.28	0.285
Debt/EBITDA	0.00	9.47	4.98	3.68	3.06	1.93	1.87	2.07	2.68	3.48	16.43	55.56	-259.48	-7.26	-23.70	-112.81	-9.25	-253.90	17.11	4.88	4.883
Net Debt/EBITDA	-1.97	2.60	1.37	1.01	-0.61	-0.39	-0.37	-0.21	-0.27	-0.35	5.22	17.65	-82.46	-1.62	-5.28	-25.13	-2.42	-66.41	4.48	0.95	0.948
Interest Coverage	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity Multiplier	1.33	1.96	1.96	1.96	1.81	1.81	1.81	1.84	1.84	1.84	1.84	1.84	1.84	1.88	1.88	1.88	1.93	1.93	1.93	2.16	2.158
Cash Ratio	snapshot only																				0.959
Cash to Debt	snapshot only																				0.806
FCF to Debt	snapshot only																				0.256
Defensive Interval	snapshot only																				202.3 days

Efficiency & Turnover

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Asset Turnover	1.85	1.19	1.22	1.27	1.22	1.12	1.16	1.19	1.07	1.04	0.99	1.04	1.03	1.01	1.13	1.17	1.15	1.28	1.32	1.36	1.362
Inventory Turnover	4.93	4.45	4.50	4.60	4.66	4.93	5.04	5.02	4.80	4.74	4.33	4.30	4.29	4.15	4.09	4.18	3.82	3.99	4.07	4.33	4.325
Receivables Turnover	92.84	72.72	72.60	76.10	80.14	82.09	85.08	85.22	83.30	80.71	64.30	65.32	65.03	69.43	63.82	66.07	66.86	81.47	84.30	93.65	93.645
Payables Turnover	17.20	13.57	14.31	14.64	11.70	11.30	11.56	12.82	10.08	9.95	10.58	11.81	11.77	11.32	13.62	13.91	11.97	12.46	12.71	13.55	13.552
DSO	4	5	5	5	5	4	4	4	4	5	6	6	6	5	6	6	5	4	4	4	3.9 days
DIO	74	82	81	79	78	74	72	73	76	77	84	85	85	88	89	87	96	91	90	84	84.4 days
DPO	21	27	26	25	31	32	32	28	36	37	35	31	31	32	27	26	31	29	29	27	26.9 days
Cash Conversion Cycle	57	60	61	59	52	46	45	48	44	45	56	60	60	61	68	67	71	67	65	61	61.3 days
Fixed Asset Turnover	snapshot only																				3.595
Operating Cycle	snapshot only																				88.3 days
Cash Velocity	snapshot only																				5.784
Capital Intensity	snapshot only																				0.753

Growth (YoY)

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Revenue	10.5%	-8.3%	-0.7%	1.5%	-1.7%	26.8%	25.8%	14.6%	6.5%	-9.5%	-22.3%	-21.1%	-16.8%	-20.3%	-7.3%	-1.0%	-4.4%	7.8%	7.8%	12.4%	12.42%
Net Income	2.3%	-71.3%	98.3%	87.8%	39.7%	12.3%	2.4%	53.4%	-4.1%	-61.6%	-1.1%	-1.2%	-1.4%	-2.1%	-2.2%	-10.7%	-38.8%	67.3%	82.3%	1.7%	1.72%
EPS	2.2%	-71.0%	1.0%	89.1%	39.1%	12.0%	2.5%	98.0%	27.8%	-48.8%	-1.1%	-1.2%	-1.4%	-2.1%	-2.2%	-13.2%	-48.1%	61.9%	79.5%	1.8%	1.78%
FCF	1.8%	-1.9%	7.3%	76.0%	8.3%	32.6%	21.8%	-44.3%	-95.3%	-1.3%	-1.9%	-2.8%	-13.7%	-59.8%	41.3%	44.2%	4.7%	68.5%	68.0%	2.5%	2.47%
EBITDA	66.1%	-47.9%	34.2%	42.8%	21.8%	3.4%	1.4%	37.5%	-2.5%	-52.4%	-90.7%	-96.5%	-1.0%	-1.4%	-1.6%	-1.4%	-21.1%	97.4%	2.3%	21.9%	21.86%
Op. Income	1.4%	-78.4%	69.4%	78.7%	39.9%	14.1%	2.5%	58.0%	-0.2%	-59.4%	-1.0%	-1.2%	-1.3%	-1.9%	-4.7%	-10.8%	-76.0%	65.8%	83.5%	2.0%	2.04%
OCF Growth	snapshot only																				2.64%
Asset Growth	snapshot only																				5.36%
Equity Growth	snapshot only																				-8.19%
Debt Growth	snapshot only																				-9.71%
Shares Change	snapshot only																				-8.65%

Growth (CAGR)

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Revenue 3Y	5.2%	4.7%	6.2%	5.9%	7.6%	11.4%	9.7%	8.6%	5.0%	1.7%	-1.0%	-2.8%	-4.5%	-2.9%	-3.2%	-3.6%	-5.4%	-8.0%	-8.1%	-4.2%	-4.24%
Revenue 5Y	9.0%	4.5%	5.9%	6.0%	4.7%	5.7%	6.0%	5.0%	4.0%	5.7%	3.2%	1.4%	2.0%	-0.1%	-1.0%	0.0%	-1.6%	-2.0%	-0.6%	0.4%	0.43%
EPS 3Y	10.4%	-16.2%	47.8%	43.5%	1.6%	1.8%	84.9%	1.9%	79.0%	24.3%	—	—	—	—	—	—	—	—	—	-42.7%	-42.74%
EPS 5Y	18.2%	-21.4%	11.8%	18.0%	12.6%	22.8%	24.9%	24.5%	19.0%	31.3%	—	—	—	—	—	—	—	—	—	-6.8%	-6.80%
Net Income 3Y	8.9%	-16.4%	48.7%	44.7%	1.6%	1.8%	84.5%	1.7%	63.7%	13.6%	—	—	—	—	—	—	—	—	—	-45.1%	-45.06%
Net Income 5Y	14.3%	-24.3%	8.5%	14.7%	9.8%	19.4%	20.5%	15.5%	11.6%	24.5%	—	—	—	—	—	—	—	—	—	-13.7%	-13.74%
EBITDA 3Y	-1.0%	-10.5%	15.5%	19.1%	45.2%	64.7%	44.1%	51.2%	25.4%	3.1%	-33.2%	-58.9%	—	—	—	—	—	—	-58.8%	-31.9%	-31.91%
EBITDA 5Y	8.6%	-14.4%	2.1%	5.8%	2.8%	9.9%	10.4%	6.0%	2.9%	8.5%	-19.3%	-39.3%	—	—	—	—	—	—	-25.8%	-9.1%	-9.13%
Gross Profit 3Y	4.8%	3.8%	7.2%	7.9%	11.6%	18.6%	16.5%	15.3%	9.7%	4.1%	-1.1%	-4.0%	-6.4%	-3.4%	-3.3%	-4.4%	-7.4%	-11.4%	-11.3%	-5.6%	-5.59%
Gross Profit 5Y	8.5%	1.7%	5.0%	5.8%	4.5%	7.1%	7.9%	6.4%	5.4%	8.0%	3.7%	1.3%	2.7%	-0.6%	-1.0%	1.3%	-1.6%	-1.6%	0.8%	1.9%	1.87%
Op. Income 3Y	-0.4%	-24.0%	38.7%	35.6%	1.4%	1.5%	71.1%	1.2%	49.7%	9.7%	—	—	—	—	—	—	—	—	—	-43.8%	-43.83%
Op. Income 5Y	8.4%	-29.9%	2.6%	9.0%	4.9%	13.9%	14.9%	10.2%	6.7%	21.9%	—	—	—	—	—	—	—	—	—	-12.9%	-12.92%
FCF 3Y	-21.9%	—	—	—	—	—	—	—	7.3%	—	—	—	—	—	—	—	—	—	—	13.3%	13.34%
FCF 5Y	—	—	72.9%	48.7%	84.7%	21.1%	16.6%	8.9%	-26.9%	—	—	—	—	—	—	—	—	—	—	7.4%	7.39%
OCF 3Y	-17.9%	48.9%	1.5%	1.8%	1.3%	2.2%	1.0%	68.1%	-5.6%	—	—	—	—	—	—	—	—	—	—	4.1%	4.06%
OCF 5Y	-0.8%	-19.5%	16.4%	9.7%	18.6%	11.0%	4.1%	-4.7%	-17.9%	—	—	—	—	—	—	—	—	—	—	-1.0%	-0.98%
Assets 3Y	2.7%	30.2%	30.2%	30.2%	32.8%	32.8%	32.8%	19.9%	19.9%	19.9%	11.9%	11.9%	11.9%	-10.1%	-10.1%	-10.1%	-14.0%	-14.0%	-14.0%	-6.7%	-6.71%
Assets 5Y	5.5%	17.4%	15.6%	15.6%	17.6%	15.1%	15.1%	11.8%	11.8%	15.8%	12.5%	12.5%	11.9%	9.3%	9.3%	5.9%	4.9%	4.9%	3.5%	5.6%	5.55%
Equity 3Y	3.7%	16.2%	16.2%	16.2%	21.6%	21.6%	21.6%	9.6%	9.6%	9.6%	0.6%	0.6%	0.6%	-8.8%	-8.8%	-8.8%	-15.9%	-15.9%	-15.9%	-11.5%	-11.53%
Book Value 3Y	5.0%	16.4%	15.6%	15.3%	19.9%	20.1%	21.9%	18.7%	19.8%	20.0%	10.3%	10.2%	10.4%	-0.8%	-0.4%	0.4%	-5.5%	-2.9%	-4.2%	-7.8%	-7.78%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Revenue Stability	0.86	0.75	0.92	0.98	0.83	0.53	0.61	0.76	0.90	0.66	0.37	0.23	0.20	0.05	0.00	0.00	0.12	0.29	0.14	0.07	0.069
Earnings Stability	0.00	0.38	0.01	0.07	0.15	0.20	0.33	0.44	0.55	0.35	0.07	0.02	0.00	0.02	0.06	0.09	0.31	0.21	0.20	0.28	0.276
Margin Stability	0.95	0.94	0.97	0.96	0.95	0.92	0.92	0.93	0.95	0.92	0.91	0.94	0.93	0.90	0.92	0.93	0.94	0.92	0.92	0.94	0.938
Rev. Growth Consistency	1.00	0.00	0.00	1.00	0.00	0.50	0.50	1.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
Earn. Growth Consistency	1.00	0.00	0.50	1.00	1.00	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	1	0	1	1	1	0	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.50	0.50	0.50	0.50	0.84	0.50	0.50	0.50	0.98	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.50	0.20	0.200
Earnings Smoothness	0.00	0.00	0.34	0.39	0.67	0.00	0.00	0.58	0.96	0.11	—	—	—	—	—	—	—	—	—	—	—
ROE Trend	0.08	-0.03	0.02	0.07	0.04	0.14	0.14	0.08	0.01	-0.02	-0.16	-0.18	-0.17	-0.27	-0.17	-0.12	-0.13	-0.02	0.04	0.09	0.088
Gross Margin Trend	0.02	-0.01	0.00	0.02	0.01	0.06	0.06	0.04	0.02	0.01	-0.03	-0.04	-0.04	-0.06	-0.03	-0.01	-0.02	0.01	0.02	0.03	0.031
FCF Margin Trend	0.02	0.01	0.08	0.06	0.10	0.13	0.03	-0.02	-0.05	-0.10	-0.16	-0.13	-0.13	-0.12	-0.05	-0.02	-0.04	0.04	0.05	0.11	0.113
Sustainable Growth Rate	11.3%	1.9%	7.5%	12.1%	12.6%	20.6%	21.6%	17.3%	11.2%	7.9%	—	—	—	—	—	—	—	—	—	3.9%	3.95%
Internal Growth Rate	9.0%	1.1%	4.7%	7.8%	8.5%	12.3%	13.0%	10.0%	6.6%	4.5%	—	—	—	—	—	—	—	—	—	2.0%	2.00%

Cash Flow Quality

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
OCF/Net Income	0.72	1.51	2.51	1.45	1.82	1.44	0.83	0.59	0.36	-0.41	5.61	2.14	1.59	0.90	0.90	1.75	1.82	1.66	4.54	4.00	3.997
FCF/OCF	0.34	-0.37	0.81	0.83	0.91	0.93	0.88	0.74	0.22	2.27	1.47	1.72	1.67	1.45	1.67	1.06	1.00	0.76	0.60	0.96	0.955
FCF/Net Income	snapshot only																				3.819
OCF/EBITDA	snapshot only																				1.310
CapEx/Revenue	2.1%	1.9%	1.8%	1.4%	1.1%	1.0%	1.0%	1.2%	1.6%	2.2%	2.7%	3.1%	2.8%	2.4%	2.1%	0.3%	0.0%	0.7%	1.1%	0.3%	0.26%
CapEx/Depreciation	snapshot only																				0.113
Accruals Ratio	0.02	-0.01	-0.07	-0.03	-0.06	-0.05	0.02	0.04	0.04	0.06	0.05	0.02	0.02	-0.01	-0.00	0.02	0.04	0.02	0.03	-0.06	-0.059
Sloan Accruals	snapshot only																				-0.052
Cash Flow Adequacy	snapshot only																				22.412
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—	—	—	—	—	0.0%	0.00%
FCF Payout Ratio	0.0%	—	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—	—	—	—	—	—	0.0%	0.00%
Total Payout Ratio	0.6%	1.7%	41.3%	25.5%	23.2%	10.5%	89.8%	2.3%	3.2%	4.4%	—	—	—	—	—	—	—	—	—	2.9%	2.86%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	2.6%	2.3%	1.9%	1.3%	1.0%	9.9%	26.1%	37.2%	40.3%	26.2%	0.0%	0.0%	0.0%	4.2%	6.8%	23.1%	26.1%	12.2%	9.0%	9.01%
Net Buyback Yield	0.0%	2.6%	2.3%	1.9%	1.1%	0.8%	9.7%	25.8%	37.2%	40.3%	26.1%	-0.1%	-0.2%	-0.2%	4.0%	6.6%	22.9%	26.1%	12.1%	8.9%	8.89%
Total Shareholder Return	0.0%	2.6%	2.3%	1.9%	1.1%	0.8%	9.7%	25.8%	37.2%	40.3%	26.1%	-0.1%	-0.2%	-0.2%	4.0%	6.6%	22.9%	26.1%	12.1%	8.9%	8.89%

DuPont Factors

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Tax Burden (NI/EBT)	0.72	0.57	0.70	0.73	0.73	0.74	0.74	0.73	0.71	0.70	1.86	1.11	1.06	0.91	0.99	1.16	0.97	1.35	-7.24	0.56	0.556
Interest Burden (EBT/EBIT)	1.02	1.19	1.03	1.03	1.04	1.02	1.03	1.04	1.04	1.04	0.83	0.91	0.94	0.96	0.92	0.88	0.83	0.63	-0.14	1.27	1.274
EBIT Margin	0.06	0.01	0.05	0.08	0.08	0.13	0.13	0.10	0.08	0.06	-0.01	-0.02	-0.03	-0.07	-0.04	-0.02	-0.05	-0.02	-0.01	0.02	0.020
Asset Turnover	1.85	1.19	1.22	1.27	1.22	1.12	1.16	1.19	1.07	1.04	0.99	1.04	1.03	1.01	1.13	1.17	1.15	1.28	1.32	1.36	1.362
Equity Multiplier	1.37	1.72	1.67	1.67	1.61	1.88	1.88	1.90	1.82	1.82	1.82	1.84	1.84	1.86	1.86	1.86	1.88	1.90	1.90	2.01	2.013

Per Share

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
EPS (Diluted TTM)	$1.68	$0.32	$1.29	$2.09	$2.33	$4.09	$4.48	$4.13	$2.98	$2.09	$-0.46	$-0.87	$-1.15	$-2.36	$-1.47	$-0.99	$-1.70	$-0.90	$-0.30	$0.78	$0.78
Book Value/Share	$15.67	$18.61	$18.55	$18.48	$21.52	$21.54	$22.44	$23.98	$24.31	$24.33	$21.22	$21.09	$21.08	$18.15	$18.32	$18.71	$18.16	$19.70	$19.75	$18.80	$19.33
Tangible Book/Share	$12.77	$15.75	$15.70	$15.64	$18.50	$18.52	$19.29	$20.28	$20.56	$20.58	$17.52	$17.42	$17.40	$16.63	$16.78	$17.14	$16.57	$17.97	$18.02	$17.00	$17.00
Revenue/Share	$37.33	$33.67	$35.05	$36.60	$36.54	$41.68	$44.99	$54.16	$51.85	$50.28	$44.86	$43.23	$43.01	$39.61	$41.40	$43.77	$43.85	$49.78	$51.66	$53.86	$55.39
FCF/Share	$0.41	$-0.18	$2.63	$2.50	$3.83	$5.50	$3.26	$1.80	$0.24	$-1.96	$-3.77	$-3.22	$-3.05	$-3.10	$-2.20	$-1.84	$-3.10	$-1.14	$-0.82	$2.96	$3.05
OCF/Share	$1.21	$0.48	$3.25	$3.02	$4.23	$5.90	$3.72	$2.43	$1.08	$-0.86	$-2.57	$-1.87	$-1.82	$-2.13	$-1.32	$-1.73	$-3.10	$-1.49	$-1.37	$3.10	$3.19
Cash/Share	$6.47	$10.03	$10.00	$9.96	$14.63	$14.64	$15.25	$15.08	$15.29	$15.30	$9.04	$8.98	$8.98	$8.81	$8.90	$9.09	$8.15	$8.84	$8.86	$9.31	$9.58
EBITDA/Share	$3.29	$1.46	$2.77	$3.73	$3.99	$6.31	$6.79	$6.62	$5.18	$4.00	$0.81	$0.24	$-0.05	$-1.56	$-0.48	$-0.10	$-1.19	$-0.05	$0.70	$2.37	$2.37
Debt/Share	$0.00	$13.84	$13.79	$13.74	$12.19	$12.21	$12.71	$13.71	$13.91	$13.92	$13.25	$13.17	$13.16	$11.34	$11.45	$11.69	$11.03	$11.97	$12.00	$11.56	$11.56
Net Debt/Share	$-6.47	$3.81	$3.79	$3.78	$-2.43	$-2.43	$-2.53	$-1.36	$-1.38	$-1.38	$4.21	$4.18	$4.18	$2.53	$2.55	$2.60	$2.88	$3.13	$3.14	$2.24	$2.24

Per Employee

Metric	Q3'19	Current
Employee Count	snapshot only	2,400
Revenue/Employee	snapshot only	$387107.08
Income/Employee	snapshot only	$5573.75
EBITDA/Employee	snapshot only	$17007.08
FCF/Employee	snapshot only	$21286.67
Assets/Employee	snapshot only	$291601.67
Market Cap/Employee	snapshot only	$176863.87

Academic Models

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.632
Altman Z-Prime	snapshot only																				3.525
Piotroski F-Score	6	5	7	7	5	8	8	5	5	2	1	1	0	1	2	3	2	4	4	8	8
Beneish M-Score	-2.36	-1.74	-2.81	-2.70	-2.78	-2.52	-2.42	-2.33	-2.39	-2.25	-1.51	-1.89	-2.00	-2.66	-3.04	-2.87	-2.85	-2.51	-2.44	-2.28	-2.284
Ohlson O-Score	snapshot only																				-7.507
ROIC (Greenblatt)	snapshot only																				4.43%
Net-Net WC	snapshot only																				$-2.29
EVA	snapshot only																				$-25797196.11

Credit

Metric	Q3'19	Q1'20	Q2'20	Q3'20	Q1'21	Q2'21	Q3'21	Q1'22	Q2'22	Q3'22	Q1'23	Q2'23	Q3'23	Q1'24	Q2'24	Q3'24	Q1'25	Q2'25	Q3'25	Q4'25	Current
Credit Rating	snapshot only																				A-
Credit Score	89.00	60.22	71.93	77.48	82.84	85.47	85.98	82.10	75.29	68.00	43.19	42.23	51.89	51.29	54.61	55.36	51.57	51.06	47.88	69.65	69.651
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				14.293
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				61
Sector Credit Rank	snapshot only																				64

ZUMZ NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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