GAP · CIK 0000039911 · FY2025 live · 2026-01-31

GAP INC

SafeSEC 10-KZ″Consumer75th percentile in Consumer · 430 names

View as

Model

Z″

FY2025

3.26

Zone

Safe

Prior

—

Market DD

—

1y PD

—

3.26

Classic Z 2.40

−21.12.68+

Z″ 3.26 · 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.
0.20
6.56 × = 1.29
X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.29
3.26 × = 0.93
X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.09
6.72 × = 0.59
X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names keep turnover from dragging the score.
0.43
1.05 × = 0.45

Five-year path

Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings.

Meridian Rank

71.27

0–100 · Z″ family

Book standing
74
Year change
—
Market PD
—
O-score
64

Events on this name

Same published rows as Today.

Approaching grey
watch · 41
- Live score: — → 3.26
- Cut: — → 1.10

Overview

rule-v1

GAP INC is on Z″ at 3.26 (safe) for FY2025, from an SEC 10-K. Working capital / 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″ omits sales/assets so asset-light names keep turnover from dragging the score. X4 is book equity on every name.

Book screen Safe; 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 · 75th percentile in Consumer.

Filing line items

Current assets

$5.8B

Total assets

$12.6B

Current liabilities

$3.3B

Total liabilities

$8.8B

Working capital

$2.5B

Retained earnings

$3.6B

EBIT

$1.1B

Total sales

$15.4B

Book equity

$3.8B

Accession 0001628280-26-018573. Live rank is the latest 10-K on EDGAR (FY2025, period 2026-01-31). Z″ is the live score. View as is a display overlay. X4 is book equity. Pulled 13 Sept 2026.