SCL · CIK 0000094049 · FY2025 live · 2025-12-31
STEPAN CO
View as
Model
Classic Z
FY2025
2.63
Zone
Grey
Prior
—
Market DD
—
1y PD
—
2.63
Z″ 3.71
Score 2.63 · distress below 1.80, grey to 2.99, safe at 3.00 and above.
Classic Z factor contributions
X1 Working capital / assets
Short-term liquidity versus the size of the balance sheet.
0.081.2 × = 0.10X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.551.4 × = 0.76X3 EBIT / assets
Operating return on assets. Highest weight in the original model.
0.033.3 × = 0.11X4 Book equity / liabilities
Book equity versus the liability stack. Mega-caps often look greyer here than they would if X4 used market cap.
1.120.6 × = 0.67X5 Sales / assets
Asset turnover — how much revenue the asset base supports.
0.991 × = 0.99
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings.
Meridian Rank
72.36
0–100 · Classic Z family
Book standing
74
Year change
—
Market PD
—
O-score
68
Events on this name
Same published rows as Today.
No published events on this print.
Overview
rule-v1
STEPAN CO is on classic Z at 2.63 (grey) for FY2025, from an SEC 10-K. Sales / 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. Classic Z was fit on manufacturers. Buybacks can send retained earnings negative at otherwise healthy issuers. X4 is book equity.
Book screen Grey; 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 Classic Z scores · 71st percentile in Materials.
Filing line items
Current assets
$859M
Total assets
$2.4B
Current liabilities
$666M
Total liabilities
$1.1B
Working capital
$192M
Retained earnings
$1.3B
EBIT
$79M
Total sales
$2.3B
Book equity
$1.2B
Accession 0001193125-26-074976. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Classic Z is the live score. View as is a display overlay. X4 is book equity. Pulled 13 Sept 2026.