Dun & Bradstreet Holdings (Dun & Bradstreet Holdings) Altman Z-Score

: 0.55 (As of Today)

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The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Warning Sign:

Altman Z-score of 0.55 is in distress zone. This implies bankruptcy possibility in the next two years.

Dun & Bradstreet Holdings has a Altman Z-Score of 0.55, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.

The zones of discrimination were as such:

When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.

The historical rank and industry rank for Dun & Bradstreet Holdings's Altman Z-Score or its related term are showing as below:

DNB' s Altman Z-Score Range Over the Past 10 Years
Min: 0.55 Med: 0.83 Max: 1.23
Current: 0.55

During the past 7 years, Dun & Bradstreet Holdings's highest Altman Z-Score was 1.23. The lowest was 0.55. And the median was 0.83.

Dun & Bradstreet Holdings Altman Z-Score Historical Data

The historical data trend for Dun & Bradstreet Holdings's Altman Z-Score can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Dun & Bradstreet Holdings Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Altman Z-Score

1.23

0.98

0.67

Dun & Bradstreet Holdings Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Altman Z-Score																0.67	0.66	0.66	0.60	0.67

Competitive Comparison

For the Financial Data & Stock Exchanges subindustry, Dun & Bradstreet Holdings's Altman Z-Score, along with its competitors' market caps and Altman Z-Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Dun & Bradstreet Holdings Altman Z-Score Distribution

For the Capital Markets industry and Financial Services sector, Dun & Bradstreet Holdings's Altman Z-Score distribution charts can be found below:

* The bar in red indicates where Dun & Bradstreet Holdings's Altman Z-Score falls into.

Dun & Bradstreet Holdings Altman Z-Score Calculation

Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

Dun & Bradstreet Holdings's Altman Z-Score for today is calculated with this formula:

1.2

1.4

3.3

0.6

1.0

1.2

-0.0423

1.4

-0.0888

3.3

0.0154

0.6

0.7054

1.0

0.2533

0.55

Trailing Twelve Months (TTM) ended in Dec. 2023:
Total Assets was $9,136 Mil.
Total Current Assets was $656 Mil.
Total Current Liabilities was $1,042 Mil.
Retained Earnings was $-811 Mil.
Pre-Tax Income was 7.8 + -6.5 + -37 + -45.4 = $-81 Mil.
Interest Expense was -53.5 + -57 + -56.1 + -55.3 = $-222 Mil.
Revenue was 630.4 + 588.5 + 554.7 + 540.4 = $2,314 Mil.
Market Cap (Today) was $4,024 Mil.
Total Liabilities was $5,704 Mil.

* Note that for stock reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data.

X1	=	Working Capital	/	Total Assets
	=	(Total Current Assets - Total Current Liabilities)	/	Total Assets
	=	(656.3 - 1042.4)	/	9135.9
	=	-0.0423

X2	=	Retained Earnings	/	Total Assets
	=	-811.1	/	9135.9
	=	-0.0888

X3	=	Earnings Before Interest and Taxes	/	Total Assets
	=	(Pre-Tax Income - Interest Expense)	/	Total Assets
	=	(-81.1 - -221.9)	/	9135.9
	=	0.0154

X4	=	Market Value Equity	/	Book Value of Total Liabilities
	=	Market Cap	/	Total Liabilities
	=	4023.760	/	5704.3
	=	0.7054

X5	=	Revenue	/	Total Assets
	=	2314	/	9135.9
	=	0.2533

The zones of discrimination were as such:

Distress Zones - 1.81 < Grey Zones < 2.99 - Safe Zones

Dun & Bradstreet Holdings has a Altman Z-Score of 0.55 indicating it is in Distress Zones.

Study by Altman found that companies that are in Distress Zone have more than 80% of chances of bankruptcy in two years.

Dun & Bradstreet Holdings (NYSE:DNB) Altman Z-Score Explanation

X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.

X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.

X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.

X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.

X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.

Be Aware

Altman Z-Score does not apply to financial companies.

Dun & Bradstreet Holdings Altman Z-Score Related Terms

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Dun & Bradstreet Holdings (Dun & Bradstreet Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Capital Markets » Dun & Bradstreet Holdings Inc (NYSE:DNB) » Definitions » Altman Z-Score

Comparable Companies

Traded in Other Exchanges

N/A

Address

5335 Gate Parkway, Jacksonville, FL, USA, 32256

Website

https://www.dnb.com

Dun & Bradstreet Holdings Inc is a provider of business decisioning data and analytics. The company operates in two segments: North America, which offers Finance & Risk and Sales & Marketing data, analytics, and business insights in the United States and Canada; and International, which offers Finance & Risk and Sales & Marketing data, analytics, and business insights directly in the U.K, Europe, Greater China, India and indirectly through its WWN alliances. The company generates maximum revenue from the North American region. Other services provided by the company include digital marketing, sales acceleration, and risk management among others.

Executives

Thomas H. Lee Equity Fund Viii, L.p.	director, 10 percent owner	C/O THOMAS H. LEE PARTNERS, L.P., 100 FEDERAL STREET, BOSTON MA 02110
Thomas H. Lee Advisors, Llc	director, 10 percent owner	C/O THOMAS H. LEE PARTNERS, L.P., 100 FEDERAL STREET, 35TH FLOOR, BOSTON MA 02110
Anthony Jr Pietrontone	officer: Chief Accounting Officer	C/O DUN & BRADSTREET HOLDINGS, INC., 5335 GATE PARKWAY, JACKSONVILLE FL 32256
Kirsten Marie Kliphouse	director	531 SOUTH SPRING STREET, BURLINGTON NC 27215
Bryan T. Hipsher	officer: Chief Financial Officer	C/O DUN & BRADSTREET HOLDINGS, INC., 5335 GATE PARKWAY, JACKSONVILLE FL 32256
Foley William P Ii	director, 10 percent owner, other: Chairman of the Board	FIDELITY NATIONAL FINANCIAL, INC., 601 RIVERSIDE AVENUE, JACKSONVILLE FL 32204
Anthony M Jabbour	director, officer: Chief Executive Officer	601 RIVERSIDE AVE, JACKSONVILLE FL 32204
Richard N Massey	director	900 S. SHACKLEFORD ROAD, SUITE 401, LITTLE ROCK AR 72211
Virginia Green Gomez	officer: President, North America	5335 GATE PKWY, JACKSONVILLE FL 32256
Cannae Holdings, Inc.	director, 10 percent owner	C/O CANNAE HOLDINGS, INC., 1701 VILLAGE CENTER CIRCLE, LAS VEGAS NV 89134
Chinh Chu	director, 10 percent owner	THE BLACKSTONE GROUP, 345 PARK AVENUE, NEW YORK NY 10154
Thl Equity Fund Viii Investors (d&b), L.p.	director, 10 percent owner	C/O THOMAS H. LEE PARTNERS, L.P., 100 FEDERAL STREET, 35TH FLOOR, BOSTON MA 02110
Black Knight Financial Services, Inc.	director, 10 percent owner	601 RIVERSIDE AVENUE, JACKSONVILLE FL 32204
Dnb Holdco, Llc	director, 10 percent owner	1701 VILLAGE CENTER CIRCLE, LAS VEGAS NV 89134
Black Knight, Inc.	director, 10 percent owner	601 RIVERSIDE AVENUE, JACKSONVILLE FL 32204