Paz Retail And EnergyPZZPF 73 Altman Z2-Score is 1.15 as of Jul. 12, 2026, which is 38% below its 10-year median of 1.84. GuruFocus rates PZZPF with a GF Score™ of 73/100 and a GF Value™ of $50.71. The stock has 9 warning signs investors should review. Among 1,010 Oil & Gas companies, Paz Retail And Energy ranks worse than 60.1% 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.
Paz Retail And Energy has a Altman Z2-Score of 1.15, indicating it is in Grey Zones. This implies that Paz Retail And Energy is in some kind of financial stress. If it is below 1.1, the company may face bankrupcy risk.
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 Paz Retail And Energy's Altman Z2-Score or its related term are showing as below:
PZZPF'
s Altman Z2-Score Range Over the Past 10 Years
Min: 1.15 Med: 1.84 Max: 2.49
Current: 1.15
During the past 13 years, Paz Retail And Energy's highest Altman Z2-Score was 2.49. The lowest was 1.15. And the median was 1.84.
Paz Retail And Energy (OTCPK:PZZPF) 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.
Altman Z2-Score does not apply to financial companies.
Paz Retail And Energy Altman Z2-Score Related Terms
Paz Retail And Energy Altman Z2-Score Historical Data
* Premium members only.
The historical data trend for Paz Retail And Energy'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.
PZZPF vs VLO, MPC, PSX: Altman Z2-Score Comparison
For the Oil & Gas Refining & Marketing subindustry, Paz Retail And Energy'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.
Paz Retail And Energy Altman Z2-Score vs Oil & Gas Industry
For the Oil & Gas industry and Energy sector, Paz Retail And Energy's Altman Z2-Score distribution charts can be found below:
* The bar in red indicates where Paz Retail And Energy'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.
* 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.
Paz Retail And Energy (PZZPF) has a Altman Z2-Score of 1.15 as of Jul. 12, 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 Paz Retail And Energy and its competitors. This is 38% below median its historical median of 1.84. Over the past decade, Paz Retail And Energy's Altman Z2-Score has ranged from 1.15 to 2.49. According to the industry distribution chart, Paz Retail And Energy ranks #607 out of 1010 companies in the Oil & Gas industry, placing it in the top 60.1%.
Is Paz Retail And Energy's Altman Z2-Score too high?
Paz Retail And Energy's current Altman Z2-Score of 1.15 is 38% below median its 10-year median of 1.84. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 2.49. The Oil & Gas industry median Altman Z2-Score is 1.82. Paz Retail And Energy's value of 1.15 is 36.8% below this industry median. Based on the distribution chart, Paz Retail And Energy ranks #607 out of 1010 companies in the Oil & Gas industry, which is below the industry midpoint. Overall, Paz Retail And Energy has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Paz Retail And Energy's Altman Z2-Score compare to VLO and MPC?
According to the Oil & Gas industry distribution chart, Paz Retail And Energy ranks #607 out of 1010 companies for Altman Z2-Score. This places Paz Retail And Energy in the lower half of its industry. The industry median Altman Z2-Score is 1.82. Paz Retail And Energy's value of 1.15 is 36.8% below this benchmark. Historically, Paz Retail And Energy's own Altman Z2-Score has ranged from 1.15 to 2.49 over the past decade. While the company's 10-year median is 1.84 vs. the industry median of 1.82, Paz Retail And Energy 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 an Oil & Gas company?
The median Altman Z2-Score among Oil & Gas companies is 1.82, based on 1,010 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. Paz Retail And Energy's current Altman Z2-Score of 1.15 is 36.8% 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 Paz Retail And Energy and its competitors. For the Oil & Gas industry, the median Altman Z2-Score is 1.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paz Retail And Energy's current Altman Z2-Score is 1.15, which is 38% below median its own 10-year median of 1.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paz Retail And Energy stock overvalued right now?
Paz Retail And Energy (PZZPF) has a current Altman Z2-Score of 1.15. The stock's GF Value™ is $50.71, compared to a current price of $109.07 — trading 115.1% above its estimated fair value. The current Altman Z2-Score is 1.15, which is 38% below median its 10-year median of 1.84 and 36.8% below the Oil & Gas industry median of 1.82. Paz Retail And Energy's overall GF Score™ is 73/100 with 9 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 Paz Retail And Energy (PZZPF), the current Altman Z2-Score is 1.15 as of Jul. 12, 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 Paz Retail And Energy (PZZPF) Overvalued in 2026?
Based on GuruFocus' analysis, Paz Retail And Energy stock appears to be overvalued.
The current stock price of $109.07 is trading 115.1% above its estimated GF Value™ of $50.71.
Key valuation signals for PZZPF:
Altman Z2-Score: 1.15 (38% below median its 10-year median of 1.84)
GF Value™: $50.71 vs. price of $109.07 (115.1% above fair value)
Industry Position: 36.8% below the Oil & Gas median (#607 of 1010)
No single metric tells the full story. See the PZZPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paz Retail And Energy Ltd formerly Paz Oil Co Ltd is a energy company that engages in the refining, production, storage, importing and marketing of fuel products. Alongside these operations, Paz has fuel product storage, distribution terminals, and a network of filling stations and convenience stores. The majority of revenue can be traced back to the company's retail and wholesale and refining divisions. The R&W division participates in the marketing, distributing, and transporting of oil at filling stations. This division also is involved in the management, leasing, logistics, and maintenance of many of the filling stations and convenience stores. Operations under the refining division include the import of crude oil and related products, production of oil distillates.
73GF Score
Get the complete analysis for PZZPF
Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PZZPF has been successfully added to your 
