ARAI · CIK 0001818274 · FY2025 live · 2025-12-31
Arrive AI Inc.
View as
Model
Z″
FY2025
−10.92
Zone
Distress
Prior
—
Market DD
—
1y PD
—
−10.92
Classic Z −3.98
Z″ −10.92 · 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.
−0.406.56 × = −2.65X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
−2.633.26 × = −8.57X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.006.72 × = 0.00X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
0.291.05 × = 0.31
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.
Overview
rule-v1
Arrive AI Inc. is on Z″ at −10.92 (distress) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print. 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 Distress; 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 · 7th percentile in Industrials.
- CIRCDistressCIRCLE8 GROUP INC−10.78
- XHLDDistressTEN Holdings, Inc.−11.06
- SCORDistressCOMSCORE, INC.−11.22
- STFSDistressStar Fashion Culture Holdings Ltd−10.59
- SPCEDistressVirgin Galactic Holdings, Inc−11.68
- PSQHDistressPSQ Holdings, Inc.−10.07
- NOTEDistressFiscalNote Holdings, Inc.−12.08
- SGLYDistressSingularity Future Technology Ltd.−12.32
KPI widgets
Current assets
$2M
Total assets
$11M
Current liabilities
$7M
Total liabilities
$8M
Working capital
−$4M
Retained earnings
−$29M
EBIT
$0
Total sales
$113K
Book equity
$2M
Accession 0001493152-26-016808. 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 12 Sept 2026.