CARG · CIK 0001494259 · FY2025 live · 2025-12-31
CarGurus, Inc.
View as
Model
Z″
FY2025
7.44
Zone
Safe
Prior
—
Market DD
—
1y PD
—
7.44
Classic Z 4.47
Z″ 7.44 · 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.
0.286.56 × = 1.81X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.553.26 × = 1.78X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.376.72 × = 2.48X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
1.301.05 × = 1.37
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.
Meridian Rank
92.09
0–100 · Z″ tape · not a PD
Book standing
91
Year change
—
Market PD
—
O-score
95
Events on this name
Same published rows as Today. Not a live recompute.
Approaching grey
watch · 41
- Live Z: — → 7.44
- Cut: — → 1.10
Overview
rule-v1
CarGurus, Inc. is on Z″ at 7.44 (safe) for FY2025, from an SEC 10-K. EBIT / assets is the line that sets the print; working capital / assets is the runner-up. This is the first live year on the desk. No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.
Book screen Safe; market PD —. Tape not priced — not a single default call.
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 · 86th percentile in Technology.
KPI widgets
Current assets
$283M
Total assets
$662M
Current liabilities
$101M
Total liabilities
$288M
Working capital
$182M
Retained earnings
$362M
EBIT
$244M
Total sales
$907M
Book equity
$374M
Accession 0001193125-26-059435. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.