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Z-spread (zero-volatility spread)

The constant spread added to every point of the government zero-coupon curve that makes the present value of a bond's cash flows equal its market price.

A simple yield spread compares two single numbers and quietly assumes a flat curve. The Z-spread instead discounts each cash flow at the matching spot-rate plus a constant increment, then solves for the increment. That makes it robust to curve shape.

Because it uses the whole zero-curve, the Z-spread is the right measure when the curve is steep or inverted, where a naive spread to a single benchmark can mislead by tens of basis points. It still ignores embedded options, which is what option-adjusted-spread adds.

Example: a 5-year bond prices at 97.80. Discounting its cash flows at spot rates of 4.60%, 4.45%, 4.35%, 4.32% and 4.30% plus a constant z, the price matches at z = 142 basis points. Its simple spread to the 5-year Treasury is 137, so the curve shape is worth 5 basis points.

Related: option-adjusted-spread, spot-rate, zero-curve, credit-spread-bonds, bootstrapping

See it drawn

Original diagrams for the ideas on this page. Illustrative, not real market data.

Bid-ask spread in an order bookSell orders stacked above buy orders with a gap between the best of each.SELLERS (asks)50.0690050.051,40050.0460050.011,10050.002,30049.99800spread = 0.03BUYERS (bids)
The bid-ask spread. Buy orders sit below, sell orders above, and the gap between the best bid (50.01) and best ask (50.04) is the spread you pay to cross. Bar length shows the size resting at each price.

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