Retail stocks have been rising so far this year - many of them even out performing the S&P 500- except for one: Sears Holdings (SHLD .

The stock is down 20% so far this year, compared to Kohl's (KSS - Get Report) , which is up almost 23%, JC Penney (JCP - Get Report) , is up 19% and Macy's (M - Get Report) , which is up 5%. The rivals are actually seeing a rise in sales - even with the threat of Amazon (AMZN - Get Report) . Sears is facing store closures and plenty of debt.

When it comes to a Sears bankruptcy, experts says it's a matter of when not if. Rating agencies from Fitch to S&P recently downgraded Sear's credit rating.

And get this: Sears shares have lost 97% of their value since its 2007 high.

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