RentGuarantor Holdings (LSE:RGG) Altman Z2-Score: -12.38 (As of Aug. 03, 2026)

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LSE:RGG RentGuarantor Holdings PLC LSE:RGG
18 GF Score
Price £0.46
! 4 Warning Signs
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What is RentGuarantor Holdings Altman Z2-Score?

RentGuarantor Holdings LSE:RGG +1.11% 18 Altman Z2-Score is -12.38 as of Aug. 03, 2026. GuruFocus rates LSE:RGG with a GF Score™ of 18/100. The stock has 4 warning signs investors should review. Among 1,747 Real Estate companies, RentGuarantor Holdings ranks worse than 97.14% 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:

RentGuarantor Holdings has a Altman Z2-Score of -12.38, 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 RentGuarantor Holdings's Altman Z2-Score or its related term are showing as below:

LSE:RGG' s Altman Z2-Score Range Over the Past 10 Years
Min: -100.33   Med: -61.2   Max: -12.38
Current: -12.38

During the past 3 years, RentGuarantor Holdings's highest Altman Z2-Score was -12.38. The lowest was -100.33. And the median was -61.20.


RentGuarantor Holdings  (LSE:RGG) 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.


RentGuarantor Holdings Altman Z2-Score Related Terms


RentGuarantor Holdings Altman Z2-Score Historical Data

* Premium members only.

The historical data trend for RentGuarantor Holdings'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.

RentGuarantor Holdings Altman Z2-Score Chart

RentGuarantor Holdings Annual Data
Trend Dec23 Dec24 Dec25
Altman Z2-Score
-100.33 -61.20 -12.38

RentGuarantor Holdings Semi-Annual Data
Dec23 Jun24 Dec24 Jun25 Dec25
Altman Z2-Score -100.33 0.00 -61.20 0.00 -12.38

LSE:RGG vs CBRE, BEKE, JLL: Altman Z2-Score Comparison

For the Real Estate Services subindustry, RentGuarantor Holdings'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.


RentGuarantor Holdings Altman Z2-Score vs Real Estate Industry

For the Real Estate industry and Real Estate sector, RentGuarantor Holdings's Altman Z2-Score distribution charts can be found below:

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


LSE:RGG
18GF Score
RentGuarantor Holdings PLC LSE:RGG
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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RentGuarantor Holdings 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.

RentGuarantor Holdings'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*0.2428+3.26*-3.2448+6.72*-0.605+1.05*0.6422
=-12.38

* 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 Dec. 2025:
Total Assets was £2.53 Mil.
Total Current Assets was £2.15 Mil.
Total Current Liabilities was £1.54 Mil.
Retained Earnings was £-8.21 Mil.
Pre-Tax Income was £-1.57 Mil.
Interest Expense was £-0.04 Mil.
Total Liabilities was £1.54 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
=(2.154 - 1.54)/2.529
=0.2428

X2=Retained Earnings/Total Assets
=-8.206/2.529
=-3.2448

X3=Earnings Before Interest and Taxes/Total Assets
=(Pre-Tax Income - Interest Expense)/Total Assets
=(-1.565 - -0.035)/2.529
=-0.605

X4_2=Net Worth/Total Liabilities
=(Total Stockholders Equity - Preferred Stock)/Total Liabilities
=(0.989 - 0)/1.54
=0.6422

The zones of discrimination were as such:

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

RentGuarantor Holdings has a Altman Z2-Score of -12.38 indicating it is in Distress Zones.

Frequently Asked Questions Learn more about Altman Z2-Score →
What does a Altman Z2-Score of -12.38 mean?
RentGuarantor Holdings (LSE:RGG) has a Altman Z2-Score of -12.38 as of Aug. 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 RentGuarantor Holdings and its competitors. According to the industry distribution chart, RentGuarantor Holdings ranks #1697 out of 1747 companies in the Real Estate industry, placing it in the top 97.1%.
Is RentGuarantor Holdings' Altman Z2-Score too high?
RentGuarantor Holdings' current Altman Z2-Score is -12.38. Based on the distribution chart, RentGuarantor Holdings ranks #1697 out of 1747 companies in the Real Estate industry, which is in the bottom quartile relative to peers. Overall, RentGuarantor Holdings has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does RentGuarantor Holdings' Altman Z2-Score compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, RentGuarantor Holdings ranks #1697 out of 1747 companies for Altman Z2-Score. This places RentGuarantor Holdings in the lower half of its industry. The industry median Altman Z2-Score is 3.03. 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 Real Estate company?
The median Altman Z2-Score among Real Estate companies is 3.03, based on 1,747 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 RentGuarantor Holdings and its competitors. For the Real Estate industry, the median Altman Z2-Score is 3.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RentGuarantor Holdings's current Altman Z2-Score is -12.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RentGuarantor Holdings stock overvalued right now?
RentGuarantor Holdings (LSE:RGG) has a current Altman Z2-Score of -12.38. The current Altman Z2-Score is -12.38. RentGuarantor Holdings' overall GF Score™ is 18/100 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 RentGuarantor Holdings (LSE:RGG), the current Altman Z2-Score is -12.38 as of Aug. 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.

RentGuarantor Holdings Business Description

Address 27 - 28 Eastcastle Street, London, GBR, W1W 8DH
RentGuarantor Holdings PLC is a provider of rent guarantee services to prospective tenants across the socio-economic spectrum who seek to rent property in the United Kingdom private rental sector. The company provides its rent guarantee services to tenants and manages its applications via a digital platform designed and built by RentGuarantor to streamline the rental process for tenants and landlords. Its services are offered to the UK rental market, currently excluding Northern Ireland, including both domestic and overseas students, as well as professionals and those receiving benefits.
18GF Score

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

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