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Savers Value Village, Inc. Financials

SVV
Source SEC Filings (10-K/10-Q) Updated Jan 3, 2026 Currency USD FYE January

This page shows Savers Value Village, Inc. (SVV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SVV FY2026

Steady operating cash supports a reinvestment-heavy model, while overhead growth keeps reported profit unusually thin.

From FY2023 to FY2026, operating cash flow stayed near $170M even as net income fell to $22.6M, so the cash engine held up better than the earnings line suggests, likely helped by non-cash expenses and working-capital timing. But capital spending rose to $118.6M, leaving only $48.6M of free cash flow; this business converts sales into cash, then has to put much of that cash back to work.

Revenue growth has not produced operating leverage: operating margin slipped from 9.5% to 7.4% across the last two valid periods. That pattern suggests the larger sales base is being absorbed by heavier overhead, so scale is not yet improving profitability on its own and there is less cushion in the model than sales growth alone implies.

Leverage has eased, with debt to equity moving from 2.1x to 1.6x, which means financing strain is lower than in FY2023. Yet goodwill at $677.9M towers over cash at $85.9M, so the asset base looks more substantial than the company’s near-term liquidity really is for day-to-day needs.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 37 / 100
Financial Profile 37/100

Based on FY2026 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Savers Value Village, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability
40

Savers Value Village, Inc. has an operating margin of 7.4%, meaning the company retains $7 of operating profit per $100 of revenue. This results in a moderate score of 40/100, indicating healthy but not exceptional operating efficiency. This is down from 8.5% the prior year.

Growth
43

Savers Value Village, Inc.'s revenue grew 9.2% year-over-year to $1.7B, a solid pace of expansion. This earns a growth score of 43/100.

Leverage
69

Savers Value Village, Inc. carries a low D/E ratio of 1.63, meaning only $1.63 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 69/100, indicating a strong balance sheet with room for future borrowing.

Liquidity
11

Savers Value Village, Inc.'s current ratio of 0.81 is below the typical benchmark, resulting in a score of 11/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow
33

While Savers Value Village, Inc. generated $167.3M in operating cash flow, capex of $118.6M consumed most of it, leaving $48.6M in free cash flow. This results in a low score of 33/100, reflecting heavy capital investment rather than weak cash generation.

Returns
28

Savers Value Village, Inc. generates a 5.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is down from 6.9% the prior year.

Altman Z-Score Distress
1.32

Savers Value Village, Inc. scores 1.32, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Piotroski F-Score Neutral
6/9

Savers Value Village, Inc. passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed
7.39x

For every $1 of reported earnings, Savers Value Village, Inc. generates $7.39 in operating cash flow ($167.3M OCF vs $22.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$1.7B
YoY+9.2%

Savers Value Village, Inc. generated $1.7B in revenue in fiscal year 2026. This represents an increase of 9.2% from the prior year.

EBITDA
$204.6M
YoY+2.4%

Savers Value Village, Inc.'s EBITDA was $204.6M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 2.4% from the prior year.

Net Income
$22.6M
YoY-22.0%

Savers Value Village, Inc. reported $22.6M in net income in fiscal year 2026. This represents a decrease of 22.0% from the prior year.

EPS (Diluted)
$0.14
YoY-17.6%

Savers Value Village, Inc. earned $0.14 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 17.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$48.6M
YoY+71.3%

Savers Value Village, Inc. generated $48.6M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 71.3% from the prior year.

Cash & Debt
$85.9M
YoY-42.7%

Savers Value Village, Inc. held $85.9M in cash against $708.2M in long-term debt as of fiscal year 2026.

Dividends Per Share
N/A
Shares Outstanding
155M
YoY-2.3%

Savers Value Village, Inc. had 155M shares outstanding in fiscal year 2026. This represents a decrease of 2.3% from the prior year.

Margins & Returns

Gross Margin
55.3%
YoY-1.2pp

Savers Value Village, Inc.'s gross margin was 55.3% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is down 1.2 percentage points from the prior year.

Operating Margin
7.4%
YoY-1.1pp

Savers Value Village, Inc.'s operating margin was 7.4% in fiscal year 2026, reflecting core business profitability. This is down 1.1 percentage points from the prior year.

Net Margin
1.4%
YoY-0.5pp

Savers Value Village, Inc.'s net profit margin was 1.4% in fiscal year 2026, showing the share of revenue converted to profit. This is down 0.5 percentage points from the prior year.

Return on Equity
5.2%
YoY-1.7pp

Savers Value Village, Inc.'s ROE was 5.2% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 1.7 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$45.2M
YoY+42.7%

Savers Value Village, Inc. spent $45.2M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 42.7% from the prior year.

Capital Expenditures
$118.6M
YoY+12.1%

Savers Value Village, Inc. invested $118.6M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 12.1% from the prior year.

SVV Income Statement

Metric Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25
Revenue $464.7M+8.8% $426.9M+2.3% $417.2M+12.7% $370.1M-7.9% $402.0M+1.8% $394.8M+2.1% $386.7M+9.2% $354.2M
Cost of Revenue $207.3M+10.1% $188.2M+0.7% $186.9M+10.9% $168.5M-5.4% $178.2M+4.3% $170.8M+5.0% $162.6M+2.8% $158.2M
Gross Profit $257.4M+7.8% $238.7M+3.6% $230.3M+14.2% $201.6M-65.1% $578.4M+472.6% $101.0M-1.6% $102.7M+19.7% $85.8M
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $99.5M0.0% $99.5M+12.6% $88.4M+1.5% $87.1M-5.4% $92.0M+9.7% $83.9M+0.5% $83.5M+7.4% $77.7M
Operating Income $43.3M+19.2% $36.3M+6.8% $34.0M+227.0% $10.4M-68.5% $33.1M-32.0% $48.6M+51.0% $32.2M+98.0% $16.3M
Interest Expense N/A N/A N/A N/A N/A -$15.5M+1.9% -$15.8M+1.9% -$16.1M
Income Tax $11.1M+434.9% -$3.3M-143.2% $7.7M+917.5% -$941K-119.5% $4.8M-64.9% $13.8M+118.8% $6.3M+240.1% -$4.5M
Net Income $22.4M+260.3% -$14.0M-174.0% $18.9M+500.5% -$4.7M-149.1% -$1.9M-108.7% $21.7M+123.2% $9.7M+2179.7% -$467K
EPS (Diluted) N/A $-0.09-175.0% $0.12+500.0% $-0.03 N/A $0.13+116.7% $0.06 $0.00

SVV Balance Sheet

Metric Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25
Total Assets $2.0B+2.6% $2.0B+1.1% $1.9B+4.3% $1.9B-1.4% $1.9B-0.2% $1.9B0.0% $1.9B+3.9% $1.8B
Current Assets $197.1M+1.5% $194.3M+13.8% $170.7M+3.9% $164.3M-28.6% $230.2M+2.0% $225.8M-9.8% $250.3M+14.7% $218.1M
Cash & Equivalents $85.9M+35.2% $63.5M-10.0% $70.5M-3.4% $73.0M-51.3% $150.0M+8.9% $137.7M-14.3% $160.7M+57.2% $102.2M
Inventory $41.5M-12.6% $47.4M+10.7% $42.9M+9.6% $39.1M+14.1% $34.3M-13.5% $39.6M+5.6% $37.5M+6.3% $35.3M
Accounts Receivable $17.1M-6.7% $18.3M-4.6% $19.2M+7.8% $17.8M+6.3% $16.8M+6.8% $15.7M+14.7% $13.7M+8.9% $12.6M
Goodwill $677.9M+0.6% $673.9M-0.7% $678.9M+1.8% $667.1M+0.2% $665.5M-2.4% $682.1M+0.5% $678.9M-0.4% $681.5M
Total Liabilities $1.6B+1.9% $1.5B+2.0% $1.5B+4.9% $1.4B-1.3% $1.5B+0.5% $1.5B-0.9% $1.5B+3.3% $1.4B
Current Liabilities $244.0M+1.3% $240.9M-3.1% $248.7M+12.4% $221.3M-4.2% $231.1M+6.9% $216.2M-11.1% $243.1M+9.9% $221.3M
Long-Term Debt $708.2M-2.9% $729.2M+4.1% $700.5M+0.2% $699.3M-4.9% $735.1M0.0% $735.3M0.0% $735.6M0.0% $735.9M
Total Equity $435.6M+5.1% $414.6M-2.1% $423.5M+2.3% $413.8M-1.9% $421.7M-2.6% $432.9M+3.2% $419.5M+6.2% $395.0M
Retained Earnings -$273.3M+4.4% -$285.9M-5.1% -$272.0M-1.8% -$267.1M-6.6% -$250.5M-5.4% -$237.5M+1.7% -$241.6M+2.6% -$248.0M

SVV Cash Flow Statement

Metric Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25
Operating Cash Flow $90.8M+319.6% $21.6M-60.3% $54.4M+12894.3% $419K-99.2% $55.8M+133.8% $23.9M-60.4% $60.4M+1140.8% -$5.8M
Capital Expenditures $37.6M+34.4% $27.9M-14.2% $32.6M+58.2% $20.6M-20.0% $25.7M-4.2% $26.9M-12.8% $30.8M+36.9% $22.5M
Free Cash Flow $53.2M+944.0% -$6.3M-128.8% $21.9M+208.5% -$20.2M-167.0% $30.1M+1108.4% -$3.0M-110.1% $29.6M+204.5% -$28.3M
Investing Cash Flow -$36.8M-32.7% -$27.8M+19.5% -$34.5M-77.7% -$19.4M+23.6% -$25.4M+6.5% -$27.1M-397.8% -$5.5M+75.8% -$22.6M
Financing Cash Flow -$32.8M-11409.5% -$285K+98.8% -$24.4M+58.2% -$58.5M-368.5% -$12.5M+39.4% -$20.6M-604.4% $4.1M+108.6% -$47.6M
Dividends Paid N/A N/A N/A N/A $0 $0 $0 $0
Share Buybacks $9.6M $0-100.0% $23.8M+101.0% $11.8M+10.3% $10.7M-40.6% $18.1M+530.4% $2.9M $0

SVV Financial Ratios

Metric Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25
Gross Margin 55.4%-0.5pp 55.9%+0.7pp 55.2%+0.7pp 54.5%-89.4pp 143.9%+118.3pp 25.6%-1.0pp 26.6%+2.3pp 24.2%
Operating Margin 9.3%+0.8pp 8.5%+0.4pp 8.2%+5.3pp 2.8%-5.4pp 8.2%-4.1pp 12.3%+4.0pp 8.3%+3.7pp 4.6%
Net Margin 4.8%+8.1pp -3.3%-7.8pp 4.5%+5.8pp -1.3%-0.8pp -0.5%-6.0pp 5.5%+3.0pp 2.5%+2.6pp -0.1%
Return on Equity 5.1%+8.5pp -3.4%-7.8pp 4.5%+5.6pp -1.1%-0.7pp -0.4%-5.5pp 5.0%+2.7pp 2.3%+2.4pp -0.1%
Return on Assets 1.1%+1.8pp -0.7%-1.7pp 1.0%+1.2pp -0.3%-0.1pp -0.1%-1.3pp 1.1%+0.6pp 0.5%+0.5pp -0.0%
Current Ratio 0.810.0 0.81+0.1 0.69-0.1 0.74-0.3 1.00-0.0 1.04+0.0 1.03+0.0 0.99
Debt-to-Equity 1.63-0.1 1.76+0.1 1.65-0.0 1.69-0.1 1.74+0.0 1.70-0.1 1.75-0.1 1.86
FCF Margin 11.5%+12.9pp -1.5%-6.7pp 5.3%+10.7pp -5.5%-12.9pp 7.5%+8.2pp -0.8%-8.4pp 7.6%+15.6pp -8.0%

Note: The current ratio is below 1.0 (0.81), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

Savers Value Village, Inc. (SVV) reported $1.7B in total revenue for fiscal year 2026. This represents a 9.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Savers Value Village, Inc. (SVV) revenue grew by 9.2% year-over-year, from $1.5B to $1.7B in fiscal year 2026.

Yes, Savers Value Village, Inc. (SVV) reported a net income of $22.6M in fiscal year 2026, with a net profit margin of 1.4%.

Savers Value Village, Inc. (SVV) reported diluted earnings per share of $0.14 for fiscal year 2026. This represents a -17.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Savers Value Village, Inc. (SVV) had EBITDA of $204.6M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.

As of fiscal year 2026, Savers Value Village, Inc. (SVV) had $85.9M in cash and equivalents against $708.2M in long-term debt.

Savers Value Village, Inc. (SVV) had a gross margin of 55.3% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.

Savers Value Village, Inc. (SVV) had an operating margin of 7.4% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.

Savers Value Village, Inc. (SVV) had a net profit margin of 1.4% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

Savers Value Village, Inc. (SVV) has a return on equity of 5.2% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

Savers Value Village, Inc. (SVV) generated $48.6M in free cash flow during fiscal year 2026. This represents a 71.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Savers Value Village, Inc. (SVV) generated $167.3M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

Savers Value Village, Inc. (SVV) had $2.0B in total assets as of fiscal year 2026, including both current and long-term assets.

Savers Value Village, Inc. (SVV) invested $118.6M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

Yes, Savers Value Village, Inc. (SVV) spent $45.2M on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

Savers Value Village, Inc. (SVV) had 155M shares outstanding as of fiscal year 2026.

Savers Value Village, Inc. (SVV) had a current ratio of 0.81 as of fiscal year 2026, which is below 1.0, which may suggest potential liquidity concerns.

Savers Value Village, Inc. (SVV) had a debt-to-equity ratio of 1.63 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

Savers Value Village, Inc. (SVV) had a return on assets of 1.1% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

Savers Value Village, Inc. (SVV) has an Altman Z-Score of 1.32, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

Savers Value Village, Inc. (SVV) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Savers Value Village, Inc. (SVV) has an earnings quality ratio of 7.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Savers Value Village, Inc. (SVV) scores 37 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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