Vera Bradley, Inc.
VRA Consumer Cyclical Footwear & Accessories
Vera Bradley, Inc.’s revenue for fiscal 2026 (year ended January 2026) was $269.7 million, down 15.4% from fiscal 2025. In the quarter to July 2026, revenue grew 1.12%, EPS grew 194.1% and free cash flow grew 462.8%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
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Vera Bradley, Inc. (VRA) Altman Z-score
Vera Bradley, Inc.'s Altman Z-score for fiscal 2026 is 2.48, in the grey zone (1.81–2.99).
Altman Z-score, annual
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Annual newest first
| Period | Altman Z-score | Change (points) |
|---|---|---|
| FY2026 | 2.48 | (0.18) |
| FY2025 | 2.66 | (1.19) |
| FY2024 | 3.85 | 1.23 |
| FY2023 | 2.62 | (0.84) |
| FY2022 | 3.46 | 0.33 |
| FY2021 | 3.13 | 0.15 |
| FY2020 | 2.99 | (3.03) |
| FY2019 | 6.02 | (0.25) |
| FY2018 | 6.27 | 0.29 |
| FY2017 | 5.98 | (0.84) |
How fiscal 2026’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Working capital / total assets | 0.30 | — | 0.36 | |
| Retained earnings / total assets | 0.74 | — | 1.03 | |
| EBIT / total assets | (0.14) | — | −0.45 | |
| Market value of equity / total liabilities | 0.65 | — | 0.39 | |
| Sales / total assets | 1.15 | — | 1.15 | |
| Altman Z-score | Grey zone | 2.48 | ||
| Z″ Variant for non-manufacturing and asset-light companies (drops the sales/assets term, uses book equity) | Safe zone | 4.78 | ||
Z and Z″ put Vera Bradley, Inc. in different zones: grey zone by Z, safe zone by Z″.
How the Altman Z-score works
Z = 1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets (Altman, 1968). The market value of equity is the close on the last trading day of the fiscal year times weighted basic shares.
Z″ = 6.56 × working capital ÷ total assets + 3.26 × retained earnings ÷ total assets + 6.72 × EBIT ÷ total assets + 1.05 × book equity ÷ total liabilities (Altman, Hartzell and Peck, 1995), the variant for non-manufacturing and asset-light companies.
| Zone | Z | Z″ |
|---|---|---|
| Safe zone | above 2.99 | above 2.60 |
| Grey zone | 1.81–2.99 | 1.10–2.60 |
| Distress zone | below 1.81 | below 1.10 |
Not worked out for banks, insurers and REITs, whose balance sheets the model does not describe, nor when a figure is missing or there is no share price in the week to the fiscal year end.
Altman Z-score against peers
| Company | Altman Z-score |
|---|---|
| FWDI Forward Industries, Inc. compare | 21.5× |
| SHOO Steven Madden, Ltd. compare | 4.8× |
| WEYS Weyco Group, Inc. compare | 4.7× |
| CROX Crocs, Inc. compare | 3.3× |
| WWW Wolverine World Wide, Inc. compare | 3.0× |
| RCKY Rocky Brands, Inc. compare | 2.8× |
| VRA Vera Bradley, Inc. | 2.5× |
| DBI Designer Brands Inc. compare | 1.8× |
| FOSL Fossil Group, Inc. compare | 1.5× |
What Altman Z-score is
The Altman Z-Score weighs working capital, retained earnings, operating profit, market value and sales against assets and debts to gauge the risk of distress.
1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets