Suvidhaa Infoserve (BOM:543281) Altman Z2-Score: -1.00 (As of Jul. 26, 2026)

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BOM:543281 Suvidhaa Infoserve Ltd BOM:543281
53 GF Score
Price ₹2.47
GF Value ₹1.58
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Suvidhaa Infoserve Altman Z2-Score?

Suvidhaa Infoserve BOM:543281 -1.59% 53 Altman Z2-Score is -1.00 as of Jul. 26, 2026. GuruFocus rates BOM:543281 with a GF Score™ of 53/100 and a GF Value™ of ₹1.58 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 2,801 Software companies, Suvidhaa Infoserve ranks worse than 74.97% 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:

Suvidhaa Infoserve has a Altman Z2-Score of -1.00, 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 Suvidhaa Infoserve's Altman Z2-Score or its related term are showing as below:

BOM:543281' s Altman Z2-Score Range Over the Past 10 Years
Min: -7.24   Med: -1.31   Max: -0.89
Current: -1

During the past 9 years, Suvidhaa Infoserve's highest Altman Z2-Score was -0.89. The lowest was -7.24. And the median was -1.31.


Suvidhaa Infoserve  (BOM:543281) 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.


Suvidhaa Infoserve Altman Z2-Score Related Terms


Suvidhaa Infoserve Altman Z2-Score Historical Data

* Premium members only.

The historical data trend for Suvidhaa Infoserve'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.

Suvidhaa Infoserve Altman Z2-Score Chart

Suvidhaa Infoserve Annual Data
Trend Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Altman Z2-Score
Get a 7-Day Free Trial Premium Member Only -1.20 -1.41 -4.13 -7.24 -1.00

Suvidhaa Infoserve 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 -7.24 0.00 -0.89 0.00 -1.00

BOM:543281 vs IBM, ACN, FISV: Altman Z2-Score Comparison

For the Information Technology Services subindustry, Suvidhaa Infoserve'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.


Suvidhaa Infoserve Altman Z2-Score vs Software Industry

For the Software industry and Technology sector, Suvidhaa Infoserve's Altman Z2-Score distribution charts can be found below:

* The bar in red indicates where Suvidhaa Infoserve's Altman Z2-Score falls into.


BOM:543281
53GF Score
Suvidhaa Infoserve Ltd BOM:543281
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Suvidhaa Infoserve 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.

Suvidhaa Infoserve'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*-0.1114+3.26*0+6.72*-0.1581+1.05*0.7598
=-1.00

* 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 ₹633.70 Mil.
Total Current Assets was ₹273.00 Mil.
Total Current Liabilities was ₹343.60 Mil.
Retained Earnings was ₹0.00 Mil.
Pre-Tax Income was -18.7 + -21.7 + -17.6 + -43 = ₹-101.00 Mil.
Interest Expense was -0.1 + -0.2 + -0.2 + -0.3 = ₹-0.80 Mil.
Total Liabilities was ₹353.50 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
=(273 - 343.6)/633.7
=-0.1114

X3=Earnings Before Interest and Taxes/Total Assets
=(Pre-Tax Income - Interest Expense)/Total Assets
=(-101 - -0.8)/633.7
=-0.1581

X4_2=Net Worth/Total Liabilities
=(Total Stockholders Equity - Preferred Stock)/Total Liabilities
=(268.6 - 0)/353.5
=0.7598

The zones of discrimination were as such:

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

Suvidhaa Infoserve has a Altman Z2-Score of -1.00 indicating it is in Distress Zones.

Frequently Asked Questions Learn more about Altman Z2-Score →
What does a Altman Z2-Score of -1.00 mean?
Suvidhaa Infoserve (BOM:543281) has a Altman Z2-Score of -1.00 as of Jul. 26, 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 Suvidhaa Infoserve and its competitors. According to the industry distribution chart, Suvidhaa Infoserve ranks #2100 out of 2801 companies in the Software industry, placing it in the top 75%.
Is Suvidhaa Infoserve's Altman Z2-Score too high?
Suvidhaa Infoserve's current Altman Z2-Score is -1.00. Based on the distribution chart, Suvidhaa Infoserve ranks #2100 out of 2801 companies in the Software industry, which is below the industry midpoint. Overall, Suvidhaa Infoserve has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Suvidhaa Infoserve's Altman Z2-Score compare to IBM and ACN?
According to the Software industry distribution chart, Suvidhaa Infoserve ranks #2100 out of 2801 companies for Altman Z2-Score. This places Suvidhaa Infoserve in the lower half of its industry. The industry median Altman Z2-Score is 3.06. 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 Software company?
The median Altman Z2-Score among Software companies is 3.06, based on 2,801 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. 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 Suvidhaa Infoserve and its competitors. For the Software industry, the median Altman Z2-Score is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Suvidhaa Infoserve's current Altman Z2-Score is -1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Suvidhaa Infoserve stock overvalued right now?
Based on GuruFocus' analysis, Suvidhaa Infoserve (BOM:543281) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹1.58, compared to a current price of ₹2.47 — trading 56.3% above its estimated fair value. The current Altman Z2-Score is -1.00. Suvidhaa Infoserve's overall GF Score™ is 53/100 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 Suvidhaa Infoserve (BOM:543281), the current Altman Z2-Score is -1.00 as of Jul. 26, 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 Suvidhaa Infoserve (BOM:543281) Overvalued in 2026?

Based on GuruFocus' analysis, Suvidhaa Infoserve stock appears to be overvalued. The current stock price of ₹2.47 is trading 56.3% above its estimated GF Value™ of ₹1.58. GuruFocus considers Suvidhaa Infoserve to be Significantly Overvalued.

Key valuation signals for BOM:543281:

  • Altman Z2-Score: -1.00
  • GF Value™: ₹1.58 vs. price of ₹2.47 (56.3% above fair value)
  • GF Score™: 53/100 with 4 warning signs

No single metric tells the full story. See the BOM:543281 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Suvidhaa Infoserve Business Description

Other Exchanges SUVIDHAA:India
Address Mahakali Caves Road, 14, Olympus Industrial Estate, Andheri (East), Mumbai, MH, IND, 400 093
Suvidhaa Infoserve Ltd a is engaged in the business of providing marketplace technology services to small retail outlets (SMEs and MSMEs) to drive more customers to their physical stores. The company operates in one business segment which is E-commerce including payment services, trading of product, financial services under S-commerce, website development and maintenance, and related ancillary services. The company offers services including insurance, mutual funds, utility payments, travel ticketing as well as other retail products and services to their walk-in customers.
53GF Score

Get the complete analysis for BOM:543281

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

₹2.47
Price
₹1.58
GF Value