Libord FinanceBOM:511593 -4.70%58 Altman Z2-Score is 75.93 as of Jul. 03, 2026, which is 30% above its 10-year median of 58.37. GuruFocus rates BOM:511593 with a GF Score™ of 58/100 and a GF Value™ of ₹17.01 (Fairly Valued). The stock has 1 warning sign investors should review. Among 419 Credit Services companies, Libord Finance ranks better than 94.99% on this metric.
Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.
Good Sign:
Libord Finance has a Altman Z2-Score of 75.93, indicating it is in Safe Zones. This implies the Altman Z2-Score is strong.
The zones of discrimination were as such:
When Altman Z2-Score <= 1.1, it is in Distress Zones.
When Altman Z2-Score >= 2.6, it is in Safe Zones.
When Altman Z2-Score is between 1.1 and 2.6, it is in Grey Zones.
The historical rank and industry rank for Libord Finance's Altman Z2-Score or its related term are showing as below:
BOM:511593'
s Altman Z2-Score Range Over the Past 10 Years
Min: 4.57 Med: 58.37 Max: 108.16
Current: 75.93
During the past 13 years, Libord Finance's highest Altman Z2-Score was 108.16. The lowest was 4.57. And the median was 58.37.
The original Z-Score model was based on publicly traded manufacturing companies while the Z2-Score, also known as Z"-score can be used for any type of company excluding property/financial companies. Both Z-Score and Z2-Score describes the financial health of a company, and its likelihood of financial distress.
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.
Altman Z2-Score does not apply to financial companies.
Libord Finance Altman Z2-Score Related Terms
Libord Finance Altman Z2-Score Historical Data
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The historical data trend for Libord Finance's Altman Z2-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.
BOM:511593 vs V, MA, AXP: Altman Z2-Score Comparison
For the Credit Services subindustry, Libord Finance's Altman Z2-Score, along with its competitors' market caps and Altman Z2-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.
Libord Finance Altman Z2-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Libord Finance's Altman Z2-Score distribution charts can be found below:
* The bar in red indicates where Libord Finance's Altman Z2-Score falls into.
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.
Z2-Score, also known as Z"-Score is the Z-Score for non-manufacturing companies excluding property/financial companies.
Libord Finance's Altman Z2-Score for today is calculated with this formula:
Z
=
6.56
*
X1
+
3.26
*
X2
+
6.72
*
X3
+
1.05
*
X4_2
=
6.56
*
0.5671
+
3.26
*
0
+
6.72
*
0.0386
+
1.05
*
68.5209
=
75.93
* 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. GuruFocus does not calculate Altman Z2-Score when X4_2 value is 0.
Libord Finance (BOM:511593) has a Altman Z2-Score of 75.93 as of Jul. 03, 2026. Z2-Score is the Z-Score for non-manufacturing companies excluding property/financial companies, which measures a company's bankruptcy risk. View historical data on Libord Finance and its competitors. This is 30% above median its historical median of 58.37. Over the past decade, Libord Finance's Altman Z2-Score has ranged from 4.57 to 108.16. According to the industry distribution chart, Libord Finance ranks #21 out of 419 companies in the Credit Services industry, placing it in the top 5%.
Is Libord Finance's Altman Z2-Score too high?
Libord Finance's current Altman Z2-Score of 75.93 is 30% above median its 10-year median of 58.37. Over the past 10 years, this metric has ranged from a low of 4.57 to a high of 108.16. The Credit Services industry median Altman Z2-Score is 5.67. Libord Finance's value of 75.93 is 1239.2% above this industry median. Based on the distribution chart, Libord Finance ranks #21 out of 419 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Libord Finance has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Libord Finance's Altman Z2-Score compare to V and MA?
According to the Credit Services industry distribution chart, Libord Finance ranks #21 out of 419 companies for Altman Z2-Score. This places Libord Finance in the top 5% of its industry — outperforming the majority of peers. The industry median Altman Z2-Score is 5.67. Libord Finance's value of 75.93 is 1239.2% above this benchmark. Historically, Libord Finance's own Altman Z2-Score has ranged from 4.57 to 108.16 over the past decade. While the company's 10-year median is 58.37 vs. the industry median of 5.67, Libord Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Altman Z2-Score for a Credit Services company?
The median Altman Z2-Score among Credit Services companies is 5.67, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z2-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z2-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Libord Finance's current Altman Z2-Score of 75.93 is 1239.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Altman Z2-Score mean?
A high Altman Z2-Score can signal that a stock is expensive relative to its fundamentals. Z2-Score is the Z-Score for non-manufacturing companies excluding property/financial companies, which measures a company's bankruptcy risk. View historical data on Libord Finance and its competitors. For the Credit Services industry, the median Altman Z2-Score is 5.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Libord Finance's current Altman Z2-Score is 75.93, which is 30% above median its own 10-year median of 58.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Libord Finance stock overvalued right now?
Based on GuruFocus' analysis, Libord Finance (BOM:511593) is currently considered Fairly Valued. The stock's GF Value™ is ₹17.01, compared to a current price of ₹16.01 — trading 5.9% below its estimated fair value. The current Altman Z2-Score is 75.93, which is 30% above median its 10-year median of 58.37 and 1239.2% above the Credit Services industry median of 5.67. Libord Finance's overall GF Score™ is 58/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Altman Z2-Score calculated?
Altman Z2-Score is calculated from a company's financial statements. For Libord Finance (BOM:511593), the current Altman Z2-Score is 75.93 as of Jul. 03, 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 Libord Finance (BOM:511593) Overvalued in 2026?
Based on GuruFocus' analysis, Libord Finance stock appears to be undervalued.
The current stock price of ₹16.01 is trading 5.9% below its estimated GF Value™ of ₹17.01.
GuruFocus considers Libord Finance to be Fairly Valued.
Key valuation signals for BOM:511593:
Altman Z2-Score: 75.93 (30% above median its 10-year median of 58.37)
GF Value™: ₹17.01 vs. price of ₹16.01 (5.9% below fair value)
Industry Position: 1239.2% above the Credit Services median (#21 of 419)
No single metric tells the full story. See the BOM:511593 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Libord Finance Ltd is engaged in providing various financial services. The company engaged in the business of Financial Services, Working Capital Loans, Project Finance, Syndication of Loans, Corporate Advisory, Financial Consultancy etc. The company derives the majority of its revenue from Interest Income. The company also generates revenue from Dividend Income and Income from the Sale of Securities. Geographically, the company operates in the Indian market region.
58GF Score
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