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ZYBERNO

Stock Report

Updated Aug 31, 2026

JACK IN THE BOX INC. (JACK)

NASDAQ

$16.19

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

22.0/100

POOR BUSINESS

JACK IN THE BOX INC. (JACK) scores 22/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full JACK quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full JACK valuation analysis · → View full JACK Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (0.0%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.00x)

Operating Margin (Operational Efficiency):CRITICAL (-2.4%)

Return on Capital (Capital Efficiency):CRITICAL (-2.6%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

JACK IN THE BOX INC. (JACK) stock report — Zyberno Score 22/100 (POOR BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:16.19

Market Cap:$312.95M

Valuation Multiples (2)

P/S Ratio:0.26x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$1.89B

Ev Ebitda Ratio:102.35x

Pfcf Ratio:4.91x

Price Action & Momentum (3)

12-1 Momentum:

-18.0% (29th pctile)

📈 Click to view full JACK Momentum analysis →

Momentum Percentile:29 / 100

% of 52-Week High:67.9%

B. Profitability Assessment

Return Metrics (4)

ROA:-4.2%

Roic:

-2.6%

📊 Click to view full JACK ROIC analysis →

Reinvestment Rate:-177.6%

Fundamental Growth Rate (g):4.6%

Margin Analysis (3)

Operating Margin Ttm:-2.4%

Net Margin Ttm:-7.6%

Ebitda Margin:1.6%

TTM Performance (2)

Operating Margin Ttm:-2.4%

Net Margin Ttm:-7.6%

Yield Metrics (2)

Earnings Yield:-$25.27

Dividend Yield:9.4%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

-0.03

📊 Click to view full JACK Earnings Surprise analysis →

EPS Surprise vs Expected:-11.2%

Latest Earnings Filed:2026-08-12

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):4.5%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-5.7%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-2.5%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.58x

Quick Ratio:0.57x

Cash Ratio:0.13x

Leverage Analysis (1)

Debt To Ebitda:87.93x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:-155,350,000.00

Cash And Cash Equivalents:46,318,000.00

Long Term Debt:$1.49B

Net Debt:$1.58B

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $1.18B

Linear Growth: 4.5%

📊 Click to view full JACK Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: -$28.03M

Linear Growth: -2.5%

📊 Click to view full JACK Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$89.83M

Linear Growth: -5.7%

📊 Click to view full JACK Net Income analysis & methodology →

Income Before Tax:-$104.57M

Ebitda Ttm:18,495,000.00

Operating Expenses (5)

Operating Expenses:1,209,629,000.00

R And D Expense:0.00

Sga Expense:105,789,000.00

Income Tax Expense:-$17.95M

Interest Expense:-71,340,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:41.1%

Ebitda Margin:1.6%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$1.90B

Current Assets:$213.84M

Ppe Net:1,163,804,000.00

Goodwill:136,026,000.00

Intangible Assets:$105.60M

Liability Structure (4)

Total Liabilities:2,802,315,000.00

Current Liabilities:369,194,000.00

Long Term Debt:$1.49B

Short Term Debt:$134.30M

Equity & Capital (3)

Equity:-$901.29M

Retained Earnings:$1.80B

Common Stock:175,000,000.00

Working Capital Items (3)

Accounts Receivable:106,672,000.00

Inventory:2,343,000.00

Accounts Payable:50,800,000.00

Special Items (2)

Contract Liabilities:34,154,000.00

Stock Based Compensation:2,357,000.00

C. Cash Flow Analysis

Operating Activities (2)

$162.36M$74.14M

Investment Activities (1)

Investing Cash Flow:-$74.69M

Financing Activities (3)

Financing Cash Flow:-$60.03M

Dividends Paid Ttm:34,265,000.00

Stock Repurchase:23,112,000.00

Capital Transactions (3)

Common Stock Issuance:2,000.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:46,520,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-4.74

Eps diluted TTM: -$4.76

Linear Growth: -2.3%

📊 Click to view full JACK EPS analysis & methodology →

Earnings Per Share Ttm:-$4.65

Revenue & Cash Per Share (2)

Sales Per Share Ttm:61.13

Operating Cash Flow Per Share:$8.40

Book Value & Capital (2)

Book Value Per Share:-$46.63

Cash Per Share:2.40

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.55x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:11.08x

Days Sales Outstanding Ttm:32.95

Inventory Management (2)

Inventory Turnover Ttm:504.31x

Days Inventory Outstanding Ttm:0.72

Payables & Cash Cycle (2)

Days Payable Outstanding:15.69

Cash Conversion Cycle:17.98

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:0.00

Quality Score:30.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:-177.6%

Fundamental Growth Rate (g):4.6%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):4.5%

Net Income Growth Rate (Linear):-5.7%

Operating Income Growth Rate (Linear):-2.5%

C. Company Profile & Context

Corporate Information (6)

Symbol:JACK

Company Name:JACK IN THE BOX INC.

Sector:Unknown

Industry:Retail-Eating Places

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:19.33M

Shares Outstanding Basic:19.33M

Shares Outstanding Diluted:19.46M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-31 06:19:36 UTC

Data Timestamp:2026-08-18T17:32:48.774085