BMBL · CIK 0001830043 · FY2025 live · 2025-12-31
Bumble Inc.
View as
Model
Z″
FY2025
−5.41
Zone
Distress
Prior
—
Market DD
—
1y PD
—
−5.41
Classic Z −1.96
Z″ −5.41 · 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.
0.126.56 × = 0.77X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
−0.983.26 × = −3.19X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
−0.576.72 × = −3.80X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
0.771.05 × = 0.80
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
Bumble Inc. is on Z″ at −5.41 (distress) for FY2025, from an SEC 10-K. EBIT / assets is the line that sets the print; retained earnings / 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 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 · 17th percentile in Technology.
- UPLDDistressUpland Software, Inc.−5.43
- TLSDistressTELOS CORP−5.40
- SMSIDistressSMITH MICRO SOFTWARE, INC.−5.29
- RNGDistressRingCentral, Inc.−5.56
- RXTDistressRackspace Technology, Inc.−5.69
- DRTTFDistressDIRTT ENVIRONMENTAL SOLUTIONS LTD−5.72
- DDDDistress3D SYSTEMS CORP−5.82
- LZMHDistressLZ Technology Holdings Ltd−4.96
KPI widgets
Current assets
$305M
Total assets
$1.4B
Current liabilities
$138M
Total liabilities
$744M
Working capital
$167M
Retained earnings
−$1.4B
EBIT
−$806M
Total sales
$966M
Book equity
$570M
Accession 0001830043-26-000027. 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.