UPS · CIK 0001090727 · FY2025 live · 2025-12-31

UNITED PARCEL SERVICE INC

GreySEC 10-KZ″Industrials59th percentile in Industrials · 489 names

View as

Model

Z″

FY2025

2.23

Zone

Grey

vs FY2024

−0.15

Market DD

—

1y PD

—

2.23

Classic Z 2.18

−21.12.68+

Z″ 2.23 · distress below 1.10, grey to 2.60, safe above.

Z″ factor contributions

X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
0.05
6.56 × = 0.31
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.28
3.26 × = 0.90
X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.11
6.72 × = 0.72
X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names keep turnover from dragging the score.
0.29
1.05 × = 0.30

Five-year path

Z″ plus liquidity (working capital / assets) and earnings (EBIT / assets) over the last 5 annual filings.

Meridian Rank

58.87

from 59.40

0–100 · Z″ family

Book standing
65
Year change
42
Market PD
—
O-score
65

Events on this name

Same published rows as Today.

Large rank drop
watch · 52
- Meridian Rank: 59.40 → 58.87

Overview

rule-v1

UNITED PARCEL SERVICE INC is on Z″ at 2.23 (grey) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print; EBIT / assets is the runner-up. Versus FY2024 the live print is still grey (−0.15 from 2.38). No market tape loaded. Z″ omits sales/assets so asset-light names keep turnover from dragging the score. X4 is book equity on every name.

Book screen Grey; market PD —. Market PD has not been priced on this name.

Market DD · naive Merton

No market tape yet.

Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.

Sector peers

Closest Z″ scores · 59th percentile in Industrials.

Filing line items

Current assets

$19.0B

Total assets

$73.1B

Current liabilities

$15.6B

Total liabilities

$56.9B

Working capital

$3.4B

Retained earnings

$20.2B

EBIT

$7.9B

Total sales

$88.7B

Book equity

$16.2B

Accession 0001628280-26-008432. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as is a display overlay. X4 is book equity. Pulled 13 Sept 2026.