# Zumiez Inc. (ZUMZ) — Stock CV

Zumiez Inc. is a $220M consumer company. Revenue shrank 18.3% over the last year, it currently loses money, and it carries $130M of net debt.

> Zumiez Inc is a United States-based specialty retailer engaged in the sale of apparel, footwear, accessories, and hard goods. The company provides merchandise with cultural elements coming from fashion, music, art, action sports, streetwear, and other lifestyles.

## Identity

- **Ticker**: ZUMZ
- **Sector**: Consumer Cyclical
- **Industry**: Retail-Apparel & Accessory Stores
- **Headquarters**: LYNNWOOD, WA
- **Employees**: 9 000
- **Website**: https://www.zumiez.com
- **Market cap**: $220M
- **Last price**: $14.44
- **Financial profile**: Solid

## Vitals (TTM)

- **Revenue**: $1.93B
- **Net income**: -$31.9M
- **Free cash flow**: -$51.7M
- **Net debt**: $130M
- **P/E**: 16.3
- **Revenue growth (YoY)**: -18.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 62 |
| Growth | 0 |
| Profitability | 10 |
| Health | 58 |
| Quality | 51 |
| Moat | 29 |

## Qualifications (beginner checklist) — 4 of 10 passed

- [ ] Revenue growing — -18.3% YoY
- [ ] Profitable — -$31.9M TTM
- [ ] Profit growing — -10.5% YoY
- [ ] Generates cash — -$51.7M TTM
- [x] Debt under control — current ratio 1.71
- [ ] Established company — $220M market cap
- [x] Not printing shares — -18.4% shares over ~5y
- [x] Proven track record — 7/12 profitable years
- [ ] Financially stable — Altman Z 1.4 — distress
- [x] Valuation not extreme — P/E 16.3

## Experience (career milestones)

- **FY2021** — Best year on record: $277M net income
- **FY2018** — Became debt-free: cash now exceeds total debt
- **FY2016** — First recorded profitable year: $28.5M net income
- **FY2016** — Revenue already above $1B: $1.93B in first reported year
- **2006** — The company purchased the clothing company Fast Forward in 2006, Blue Tomato in 2012

## Strengths

- Interest covered 40.3× by operating earnings
- Piotroski F-Score 8/9 — fundamentally strong checklist

## Watch-outs

- Revenue shrinking 18.3% year over year
- Not profitable — 1.7% net margin
- Negative free cash flow (-$51.7M)
- Altman Z-Score 1.36 — elevated financial-distress risk
- Loss-making in 2 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2023 | $2.11B | -$53.4M | -$120M |
| FY2024 | $2.07B | -$54.2M | -$78.3M |
| FY2025 | $2.11B | -$37.5M | -$45.2M |
| FY2026 | $2.16B | -$22.1M | -$31.3M |
| FY2027 | $596M | -$29.3M | -$62.0M |

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Source: https://stockcv.com/ZUMZ — derived from company filings; may be delayed or incomplete. Information, not investment advice.