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What is Al Ramz Investment and Development Co Altman Z2-Score?
Al Ramz Investment and Development CoDFM:ALRAMZ 76 Altman Z2-Score is 2.87 as of Jul. 16, 2026, which is 34% below its 10-year median of 4.37. GuruFocus rates DFM:ALRAMZ with a GF Score™ of 76/100 and a GF Value™ of د.إ1.95 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 689 Capital Markets companies, Al Ramz Investment and Development Co ranks worse than 61.39% 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:
Al Ramz Investment and Development Co has a Altman Z2-Score of 2.87, 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.
Al Ramz Investment and Development Co (DFM:ALRAMZ) 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.
* 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.
Al Ramz Investment and Development Co Altman Z2-Score Chart
DFM:ALRAMZ vs MS, GS, SCHW: Altman Z2-Score Comparison
For the Capital Markets subindustry, Al Ramz Investment and Development Co'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.
Al Ramz Investment and Development Co Altman Z2-Score vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Al Ramz Investment and Development Co's Altman Z2-Score distribution charts can be found below:
* The bar in red indicates where Al Ramz Investment and Development Co's Altman Z2-Score falls into.
Al Ramz Investment and Development Co 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.
* 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.
Al Ramz Investment and Development Co (DFM:ALRAMZ) has a Altman Z2-Score of 2.87 as of Jul. 16, 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 Al Ramz Investment and Development Co and its competitors. This is 34% below median its historical median of 4.37. Over the past decade, Al Ramz Investment and Development Co's Altman Z2-Score has ranged from 2.44 to 8.00. According to the industry distribution chart, Al Ramz Investment and Development Co ranks #423 out of 689 companies in the Capital Markets industry, placing it in the top 61.4%.
Is Al Ramz Investment and Development Co's Altman Z2-Score too high?
Al Ramz Investment and Development Co's current Altman Z2-Score of 2.87 is 34% below median its 10-year median of 4.37. Over the past 10 years, this metric has ranged from a low of 2.44 to a high of 8.00. The Capital Markets industry median Altman Z2-Score is 4.23. Al Ramz Investment and Development Co's value of 2.87 is 32.2% below this industry median. Based on the distribution chart, Al Ramz Investment and Development Co ranks #423 out of 689 companies in the Capital Markets industry, which is below the industry midpoint. Overall, Al Ramz Investment and Development Co has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Ramz Investment and Development Co's Altman Z2-Score compare to MS and GS?
According to the Capital Markets industry distribution chart, Al Ramz Investment and Development Co ranks #423 out of 689 companies for Altman Z2-Score. This places Al Ramz Investment and Development Co in the lower half of its industry. The industry median Altman Z2-Score is 4.23. Al Ramz Investment and Development Co's value of 2.87 is 32.2% below this benchmark. Historically, Al Ramz Investment and Development Co's own Altman Z2-Score has ranged from 2.44 to 8.00 over the past decade. While the company's 10-year median is 4.37 vs. the industry median of 4.23, Al Ramz Investment and Development Co has consistently been below 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 Capital Markets company?
The median Altman Z2-Score among Capital Markets companies is 4.23, based on 689 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. Al Ramz Investment and Development Co's current Altman Z2-Score of 2.87 is 32.2% 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 Al Ramz Investment and Development Co and its competitors. For the Capital Markets industry, the median Altman Z2-Score is 4.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Ramz Investment and Development Co's current Altman Z2-Score is 2.87, which is 34% below median its own 10-year median of 4.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Ramz Investment and Development Co stock overvalued right now?
Based on GuruFocus' analysis, Al Ramz Investment and Development Co (DFM:ALRAMZ) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.95, compared to a current price of د.إ1.50 — trading 23.1% below its estimated fair value. The current Altman Z2-Score is 2.87, which is 34% below median its 10-year median of 4.37 and 32.2% below the Capital Markets industry median of 4.23. Al Ramz Investment and Development Co's overall GF Score™ is 76/100 with 7 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 Al Ramz Investment and Development Co (DFM:ALRAMZ), the current Altman Z2-Score is 2.87 as of Jul. 16, 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 Al Ramz Investment and Development Co (DFM:ALRAMZ) Overvalued in 2026?
Based on GuruFocus' analysis, Al Ramz Investment and Development Co stock appears to be undervalued.
The current stock price of د.إ1.50 is trading 23.1% below its estimated GF Value™ of د.إ1.95.
GuruFocus considers Al Ramz Investment and Development Co to be Modestly Undervalued.
Key valuation signals for DFM:ALRAMZ:
Altman Z2-Score: 2.87 (34% below median its 10-year median of 4.37)
GF Value™: د.إ1.95 vs. price of د.إ1.50 (23.1% below fair value)
Industry Position: 32.2% below the Capital Markets median (#423 of 689)
No single metric tells the full story. See the DFM:ALRAMZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Ramz Investment and Development Co Business Description
Al Ramz Corporation Investment and Development Co is a financial institution providing a variety of services including asset management, corporate finance, brokerage, lending, market making, liquidity providing, and research. The main activities of the company and its subsidiaries are to invest and manage commercial, industrial, and agricultural enterprises and to provide brokerage services including brokerage in selling and buying shares, margin trading, market making, and liquidity providing, and to perform all related transactions and activities.
76GF Score
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