DSJ Keep Learning (BOM:526677) Altman Z2-Score: 0.85 (As of Jul. 03, 2026)


BOM:526677 DSJ Keep Learning Ltd BOM:526677
66 GF Score
Price ₹1.99
GF Value ₹2.49
Valuation Modestly Undervalued
! 4 Warning Signs
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What is DSJ Keep Learning Altman Z2-Score?

DSJ Keep Learning BOM:526677 -1.00% 66 Altman Z2-Score is 0.85 as of Jul. 03, 2026. GuruFocus rates BOM:526677 with a GF Score™ of 66/100 and a GF Value™ of ₹2.49 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 257 Education companies, DSJ Keep Learning ranks worse than 71.6% 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.

Warning Sign:

DSJ Keep Learning has a Altman Z2-Score of 0.85, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.

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 DSJ Keep Learning's Altman Z2-Score or its related term are showing as below:

BOM:526677' s Altman Z2-Score Range Over the Past 10 Years
Min: -711.83   Med: -33.26   Max: 0.85
Current: 0.85

During the past 13 years, DSJ Keep Learning's highest Altman Z2-Score was 0.85. The lowest was -711.83. And the median was -33.26.


DSJ Keep Learning  (BOM:526677) Altman Z2-Score Explanation

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.

X4_2, Net Worth (Total Stockholders Equity - Preferred Stock)/Total Liabilities (NW/TL): it compares a company’s stock net worth with its total liabilities and can be used to assess the extent of its reliance on debt.

Read more about Altman Z2-Score, the original research on Z-Score and the additional research on Z2-Score.


Be Aware

Altman Z2-Score does not apply to financial companies.


DSJ Keep Learning Altman Z2-Score Related Terms


DSJ Keep Learning Altman Z2-Score Historical Data

* Premium members only.

The historical data trend for DSJ Keep Learning'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.

DSJ Keep Learning Altman Z2-Score Chart

DSJ Keep Learning Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Altman Z2-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only -32.93 -36.57 -28.89 -11.39 0.85

DSJ Keep Learning Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Altman Z2-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 -11.39 0.00 3.81 0.00 0.85

BOM:526677 vs EDU, TAL, LAUR: Altman Z2-Score Comparison

For the Education & Training Services subindustry, DSJ Keep Learning'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.


DSJ Keep Learning Altman Z2-Score vs Education Industry

For the Education industry and Consumer Defensive sector, DSJ Keep Learning's Altman Z2-Score distribution charts can be found below:

* The bar in red indicates where DSJ Keep Learning's Altman Z2-Score falls into.


BOM:526677
66GF Score
DSJ Keep Learning Ltd BOM:526677
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

DSJ Keep Learning Altman Z2-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.

Z2-Score, also known as Z"-Score is the Z-Score for non-manufacturing companies excluding property/financial companies.

DSJ Keep Learning'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*0.0675+3.26*0+6.72*-0.0705+1.05*0.8379
=0.85

* 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.

Trailing Twelve Months (TTM) ended in Mar. 2026:
Total Assets was ₹135.56 Mil.
Total Current Assets was ₹78.80 Mil.
Total Current Liabilities was ₹69.66 Mil.
Retained Earnings was ₹0.00 Mil.
Pre-Tax Income was -11.218 + -5.372 + 0.256 + 3.979 = ₹-12.36 Mil.
Interest Expense was -0.929 + -0.586 + -0.849 + -0.433 = ₹-2.80 Mil.
Total Liabilities was ₹73.76 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
=(78.8 - 69.656)/135.555
=0.0675

X2=Retained Earnings/Total Assets
=0/135.555
=0

X3=Earnings Before Interest and Taxes/Total Assets
=(Pre-Tax Income - Interest Expense)/Total Assets
=(-12.355 - -2.797)/135.555
=-0.0705

X4_2=Net Worth/Total Liabilities
=(Total Stockholders Equity - Preferred Stock)/Total Liabilities
=(61.8 - 0)/73.755
=0.8379

The zones of discrimination were as such:

Distress Zones - 1.1 < Grey Zones < 2.6 - Safe Zones

DSJ Keep Learning has a Altman Z2-Score of 0.85 indicating it is in Distress Zones.

Frequently Asked Questions Learn more about Altman Z2-Score →
What does a Altman Z2-Score of 0.85 mean?
DSJ Keep Learning (BOM:526677) has a Altman Z2-Score of 0.85 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 DSJ Keep Learning and its competitors. According to the industry distribution chart, DSJ Keep Learning ranks #184 out of 257 companies in the Education industry, placing it in the top 71.6%.
Is DSJ Keep Learning's Altman Z2-Score too high?
DSJ Keep Learning's current Altman Z2-Score is 0.85. The Education industry median Altman Z2-Score is 3.14. DSJ Keep Learning's value of 0.85 is 72.9% below this industry median. Based on the distribution chart, DSJ Keep Learning ranks #184 out of 257 companies in the Education industry, which is below the industry midpoint. Overall, DSJ Keep Learning has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does DSJ Keep Learning's Altman Z2-Score compare to EDU and TAL?
According to the Education industry distribution chart, DSJ Keep Learning ranks #184 out of 257 companies for Altman Z2-Score. This places DSJ Keep Learning in the lower half of its industry. The industry median Altman Z2-Score is 3.14. DSJ Keep Learning's value of 0.85 is 72.9% below this benchmark. 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 an Education company?
The median Altman Z2-Score among Education companies is 3.14, based on 257 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. DSJ Keep Learning's current Altman Z2-Score of 0.85 is 72.9% below 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 DSJ Keep Learning and its competitors. For the Education industry, the median Altman Z2-Score is 3.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DSJ Keep Learning's current Altman Z2-Score is 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DSJ Keep Learning stock overvalued right now?
Based on GuruFocus' analysis, DSJ Keep Learning (BOM:526677) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2.49, compared to a current price of ₹1.99 — trading 20.1% below its estimated fair value. The current Altman Z2-Score is 0.85 and 72.9% below the Education industry median of 3.14. DSJ Keep Learning's overall GF Score™ is 66/100 with 4 warning signs 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 DSJ Keep Learning (BOM:526677), the current Altman Z2-Score is 0.85 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 DSJ Keep Learning (BOM:526677) Overvalued in 2026?

Based on GuruFocus' analysis, DSJ Keep Learning stock appears to be undervalued. The current stock price of ₹1.99 is trading 20.1% below its estimated GF Value™ of ₹2.49. GuruFocus considers DSJ Keep Learning to be Modestly Undervalued.

Key valuation signals for BOM:526677:

  • Altman Z2-Score: 0.85
  • GF Value™: ₹2.49 vs. price of ₹1.99 (20.1% below fair value)
  • GF Score™: 66/100 with 4 warning signs
  • Industry Position: 72.9% below the Education median (#184 of 257)

No single metric tells the full story. See the BOM:526677 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


DSJ Keep Learning Business Description

Other Exchanges KEEPLEARN:India
Address 419-A, Arun Chambers, 4th Floor, Next to AC Market, Tardeo, Mumbai, MH, IND, 400034
DSJ Keep Learning Ltd provides educational services through campus enablement, online programs for continuing education, and quality assurance mentoring for institutes. The company offers a technology platform called keeplearningOS (kOS), which automates operations in educational institutions, including admissions, results, timetables, and assignments. Its services also include student recruitment, program delivery, and management for universities and colleges. DSJ Keep Learning focuses on digital transformation in education, supporting both academic institutions and learners. Revenue is generated from educational activities and related products. It operates through two synergistic business verticals namely, Campus Enablement and keeplearning.live.
66GF Score

Get the complete analysis for BOM:526677

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1.99
Price
₹2.49
GF Value