INTJ · CIK 0001916416 · FY2025 live · 2025-11-30
Intelligent Group Ltd
View as
Model
Z″
FY2025
23.24
Zone
Safe
Prior
—
Market DD
—
1y PD
—
23.24
Classic Z 11.19
Z″ 23.24 · 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.
0.956.56 × = 6.21X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
−0.043.26 × = −0.12X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
−0.216.72 × = −1.41X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
17.671.05 × = 18.55
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
Intelligent Group Ltd is on Z″ at 23.24 (safe) for FY2025, from an SEC 10-K. Book equity / liabilities 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 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 · 99th percentile in Industrials.
KPI widgets
Current assets
$12M
Total assets
$12M
Current liabilities
$441K
Total liabilities
$656K
Working capital
$12M
Retained earnings
−$445K
EBIT
−$3M
Total sales
$2M
Book equity
$12M
Accession 0001213900-26-037404. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-11-30). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 12 Sept 2026.