Cryo-Cell International (STU:ZCY) Beneish M-Score: -2.72 (As of Jun. 28, 2026)


STU:ZCY Cryo-Cell International Inc STU:ZCY
58 GF Score
Price €3.10
GF Value €6.10
Valuation Possible Value Trap
! 5 Warning Signs
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What is Cryo-Cell International Beneish M-Score?

Cryo-Cell International STU:ZCY -2.52% 58 Beneish M-Score is -2.72 as of Jun. 28, 2026. GuruFocus rates STU:ZCY with a GF Score™ of 58/100 and a GF Value™ of €6.10 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 630 Healthcare Providers & Services companies, Cryo-Cell International ranks better than 61.43% on this metric.

The zones of discrimination for M-Score is as such:

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Good Sign:

Beneish M-Score -2.72 no higher than -1.78, which implies that the company is unlikely to be a manipulator.

The historical rank and industry rank for Cryo-Cell International's Beneish M-Score or its related term are showing as below:

STU:ZCY' s Beneish M-Score Range Over the Past 10 Years
Min: -4.01   Med: -2.81   Max: 0.58
Current: -2.72

During the past 13 years, the highest Beneish M-Score of Cryo-Cell International was 0.58. The lowest was -4.01. And the median was -2.81.


Cryo-Cell International Beneish M-Score Historical Data

* Premium members only.

The historical data trend for Cryo-Cell International's Beneish M-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.

Cryo-Cell International Beneish M-Score Chart

Cryo-Cell International Annual Data
Trend Nov16 Nov17 Nov18 Nov19 Nov20 Nov21 Nov22 Nov23 Nov24 Nov25
Beneish M-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.94 -2.78 -2.71 -2.81 -2.78

Cryo-Cell International Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Beneish M-Score Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -3.02 -3.01 -3.01 -2.78 -2.72

STU:ZCY vs CDIX, EHSI, CCM: Beneish M-Score Comparison

For the Medical Care Facilities subindustry, Cryo-Cell International's Beneish M-Score, along with its competitors' market caps and Beneish M-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.


Cryo-Cell International Beneish M-Score vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Cryo-Cell International's Beneish M-Score distribution charts can be found below:

* The bar in red indicates where Cryo-Cell International's Beneish M-Score falls into.


STU:ZCY
58GF Score
Cryo-Cell International Inc STU:ZCY
Beneish M-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cryo-Cell International Beneish M-Score Calculation

The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.

The M-Score Variables:

The M-score of Cryo-Cell International for today is based on a combination of the following eight different indices:

M=-4.84+0.92 * DSRI+0.528 * GMI+0.404 * AQI+0.892 * SGI+0.115 * DEPI
=-4.84+0.92 * 0.9229+0.528 * 0.9787+0.404 * 1.0138+0.892 * 0.9023+0.115 * 0.8125
-0.172 * SGAI+4.679 * TATA-0.327 * LVGI
-0.172 * 1.011+4.679 * -0.04209-0.327 * 0.9139
=-2.84

* 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.

This Year (Feb26) TTM:Last Year (Feb25) TTM:
Total Receivables was €5.77 Mil.
Revenue was 6.5 + 6.784 + 6.722 + 7.033 = €27.04 Mil.
Gross Profit was 5.099 + 5.284 + 5.175 + 5.386 = €20.94 Mil.
Total Current Assets was €9.37 Mil.
Total Assets was €51.51 Mil.
Property, Plant and Equipment(Net PPE) was €18.27 Mil.
Depreciation, Depletion and Amortization(DDA) was €1.18 Mil.
Selling, General, & Admin. Expense(SGA) was €16.06 Mil.
Total Current Liabilities was €15.03 Mil.
Long-Term Debt & Capital Lease Obligation was €7.19 Mil.
Net Income was 0.04 + -3.302 + 0.643 + 0.316 = €-2.30 Mil.
Non Operating Income was -0.196 + -3.929 + -0.151 + -0.325 = €-4.60 Mil.
Cash Flow from Operations was 0.552 + 1.108 + 2.179 + 0.627 = €4.47 Mil.
Total Receivables was €6.92 Mil.
Revenue was 7.65 + 7.559 + 7.317 + 7.44 = €29.97 Mil.
Gross Profit was 5.745 + 6.017 + 5.388 + 5.567 = €22.72 Mil.
Total Current Assets was €12.01 Mil.
Total Assets was €61.81 Mil.
Property, Plant and Equipment(Net PPE) was €21.54 Mil.
Depreciation, Depletion and Amortization(DDA) was €1.12 Mil.
Selling, General, & Admin. Expense(SGA) was €17.60 Mil.
Total Current Liabilities was €20.85 Mil.
Long-Term Debt & Capital Lease Obligation was €8.31 Mil.




1. DSRI = Days Sales in Receivables Index

Measured as the ratio of Revenue in Total Receivables in year t to year t-1.

A large increase in DSR could be indicative of revenue inflation.

DSRI=(Receivables_t / Revenue_t) / (Receivables_t-1 / Revenue_t-1)
=(5.766 / 27.039) / (6.924 / 29.966)
=0.213248 / 0.231062
=0.9229

2. GMI = Gross Margin Index

Measured as the ratio of gross margin in year t-1 to gross margin in year t.

Gross margin has deteriorated when this index is above 1. A firm with poorer prospects is more likely to manipulate earnings.

GMI=GrossMargin_t-1 / GrossMargin_t
=(GrossProfit_t-1 / Revenue_t-1) / (GrossProfit_t / Revenue_t)
=(22.717 / 29.966) / (20.944 / 27.039)
=0.758093 / 0.774585
=0.9787

3. AQI = Asset Quality Index

AQI is the ratio of asset quality in year t to year t-1.

Asset quality is measured as the ratio of non-current assets other than Property, Plant and Equipment to Total Assets.

AQI=(1 - (CurrentAssets_t + PPE_t) / TotalAssets_t) / (1 - (CurrentAssets_t-1 + PPE_t-1) / TotalAssets_t-1)
=(1 - (9.371 + 18.265) / 51.509) / (1 - (12.009 + 21.542) / 61.806)
=0.463472 / 0.457156
=1.0138

4. SGI = Sales Growth Index

Ratio of Revenue in year t to sales in year t-1.

Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.

SGI=Sales_t / Sales_t-1
=Revenue_t / Revenue_t-1
=27.039 / 29.966
=0.9023

5. DEPI = Depreciation Index

Measured as the ratio of the rate of Depreciation, Depletion and Amortization in year t-1 to the corresponding rate in year t.

DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.

DEPI=(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1)) / (Depreciation_t / (Depreciaton_t + PPE_t))
=(1.12 / (1.12 + 21.542)) / (1.183 / (1.183 + 18.265))
=0.049422 / 0.060829
=0.8125

Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.

6. SGAI = Sales, General and Administrative expenses Index

The ratio of Selling, General, & Admin. Expense(SGA) to Sales in year t relative to year t-1.

SGA expenses index > 1 means that the company is becoming less efficient in generate sales.

SGAI=(SGA_t / Sales_t) / (SGA_t-1 /Sales_t-1)
=(16.059 / 27.039) / (17.604 / 29.966)
=0.59392 / 0.587466
=1.011

7. LVGI = Leverage Index

The ratio of total debt to Total Assets in year t relative to yeat t-1.

An LVGI > 1 indicates an increase in leverage

LVGI=((LTD_t + CurrentLiabilities_t) / TotalAssets_t) / ((LTD_t-1 + CurrentLiabilities_t-1) / TotalAssets_t-1)
=((7.188 + 15.028) / 51.509) / ((8.314 + 20.853) / 61.806)
=0.431303 / 0.471912
=0.9139

8. TATA = Total Accruals to Total Assets

Total accruals calculated as the change in working capital accounts other than cash less depreciation.

TATA=(IncomefromContinuingOperations_t - CashFlowsfromOperations_t) / TotalAssets_t
=(NetIncome_t - NonOperatingIncome_t - CashFlowsfromOperations_t) / TotalAssets_t
=(-2.303 - -4.601 - 4.466) / 51.509
=-0.04209

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Cryo-Cell International has a M-score of -2.84 suggests that the company is unlikely to be a manipulator.

Frequently Asked Questions Learn more about Beneish M-Score →
What does a Beneish M-Score of -2.72 mean?
Cryo-Cell International (STU:ZCY) has a Beneish M-Score of -2.72 as of Jun. 28, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Cryo-Cell International and its competitors. According to the industry distribution chart, Cryo-Cell International ranks #243 out of 630 companies in the Healthcare Providers & Services industry, placing it in the top 38.6%.
Is Cryo-Cell International's Beneish M-Score too high?
Cryo-Cell International's current Beneish M-Score is -2.72. Based on the distribution chart, Cryo-Cell International ranks #243 out of 630 companies in the Healthcare Providers & Services industry, which is above the industry midpoint. Overall, Cryo-Cell International has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Cryo-Cell International's Beneish M-Score compare to CDIX and EHSI?
According to the Healthcare Providers & Services industry distribution chart, Cryo-Cell International ranks #243 out of 630 companies for Beneish M-Score. This puts Cryo-Cell International in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beneish M-Score for a Healthcare Providers & Services company?
A good Beneish M-Score depends on the Healthcare Providers & Services industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beneish M-Score mean?
A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Cryo-Cell International and its competitors. Cryo-Cell International's current Beneish M-Score is -2.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cryo-Cell International stock overvalued right now?
Based on GuruFocus' analysis, Cryo-Cell International (STU:ZCY) is currently considered Possible Value Trap. The stock's GF Value™ is €6.10, compared to a current price of €3.10 — trading 49.2% below its estimated fair value. The current Beneish M-Score is -2.72. Cryo-Cell International's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beneish M-Score calculated?
Beneish M-Score is calculated from a company's financial statements. For Cryo-Cell International (STU:ZCY), the current Beneish M-Score is -2.72 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Cryo-Cell International (STU:ZCY) Overvalued in 2026?

Based on GuruFocus' analysis, Cryo-Cell International stock appears to be undervalued. The current stock price of €3.10 is trading 49.2% below its estimated GF Value™ of €6.10. GuruFocus considers Cryo-Cell International to be Possible Value Trap.

Key valuation signals for STU:ZCY:

  • Beneish M-Score: -2.72
  • GF Value™: €6.10 vs. price of €3.10 (49.2% below fair value)
  • GF Score™: 58/100 with 5 warning signs

No single metric tells the full story. See the STU:ZCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Cryo-Cell International Business Description

Other Exchanges CCEL:USAZCY:Germany
Address 700 Brooker Creek Boulevard, Suite 1800, Oldsmar, FL, USA, 34677
Cryo-Cell International Inc is engaged in cellular processing and cryogenic storage. The company is organized into three reportable segments namely cellular processing and cryogenic storage, with a focus on the collection and preservation of umbilical cord blood and tissue stem cells for family use and the manufacturing of PrepaCyte CB units segment, which is a processing technology used to process umbilical cord blood stem cells. The cellular processing and cryogenic storage of umbilical cord blood stem cells for public use. The company generates maximum revenue from Cellular processing and Cryogenic storage and it derives revenue from processing and testing fees and Storage segment.
58GF Score

Get the complete analysis for STU:ZCY

Beneish M-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.10
Price
€6.10
GF Value