Saudi Automotive Services Co (SAU:4050) Altman Z2-Score: -0.65 (As of Jul. 08, 2026)


SAU:4050 Saudi Automotive Services Co SAU:4050
90 GF Score
Price ﷼43.86
GF Value ﷼76.16
Valuation Significantly Undervalued
! 10 Warning Signs
View Full Analysis

What is Saudi Automotive Services Co Altman Z2-Score?

Saudi Automotive Services Co SAU:4050 +0.92% 90 Altman Z2-Score is -0.65 as of Jul. 08, 2026. GuruFocus rates SAU:4050 with a GF Score™ of 90/100 and a GF Value™ of ﷼76.16 (Significantly Undervalued). The stock has 10 warning signs investors should review. Among 1,114 Retail - Cyclical companies, Saudi Automotive Services Co ranks worse than 85.73% 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:

Saudi Automotive Services Co has a Altman Z2-Score of -0.65, 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 Saudi Automotive Services Co's Altman Z2-Score or its related term are showing as below:

SAU:4050' s Altman Z2-Score Range Over the Past 10 Years
Min: -0.67   Med: 0.03   Max: 1.37
Current: -0.65

During the past 13 years, Saudi Automotive Services Co's highest Altman Z2-Score was 1.37. The lowest was -0.67. And the median was 0.03.


Saudi Automotive Services Co  (SAU:4050) 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.


Saudi Automotive Services Co Altman Z2-Score Related Terms


Saudi Automotive Services Co Altman Z2-Score Historical Data

* Premium members only.

The historical data trend for Saudi Automotive Services Co'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.

Saudi Automotive Services Co Altman Z2-Score Chart

Saudi Automotive Services Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Altman Z2-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 -0.11 -0.43 -0.67 -0.61

Saudi Automotive Services Co 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 -0.50 -0.59 -0.62 -0.61 -0.65

SAU:4050 vs CASY, WSM, DKS: Altman Z2-Score Comparison

For the Specialty Retail subindustry, Saudi Automotive Services 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.


Saudi Automotive Services Co Altman Z2-Score vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Saudi Automotive Services Co's Altman Z2-Score distribution charts can be found below:

* The bar in red indicates where Saudi Automotive Services Co's Altman Z2-Score falls into.


SAU:4050
90GF Score
Saudi Automotive Services Co SAU:4050
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saudi Automotive Services 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.

Saudi Automotive Services Co'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*-0.163+3.26*0.0072+6.72*0.0371+1.05*0.1437
=-0.65

* 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 ﷼7,023 Mil.
Total Current Assets was ﷼812 Mil.
Total Current Liabilities was ﷼1,957 Mil.
Retained Earnings was ﷼51 Mil.
Pre-Tax Income was -22.196 + 18.752 + 10.719 + 30.553 = ﷼38 Mil.
Interest Expense was -54.975 + -54.225 + -57.007 + -56.66 = ﷼-223 Mil.
Total Liabilities was ﷼6,020 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
=(812.421 - 1957.015)/7023.291
=-0.163

X2=Retained Earnings/Total Assets
=50.762/7023.291
=0.0072

X3=Earnings Before Interest and Taxes/Total Assets
=(Pre-Tax Income - Interest Expense)/Total Assets
=(37.828 - -222.867)/7023.291
=0.0371

X4_2=Net Worth/Total Liabilities
=(Total Stockholders Equity - Preferred Stock)/Total Liabilities
=(865.023 - 0)/6019.619
=0.1437

The zones of discrimination were as such:

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

Saudi Automotive Services Co has a Altman Z2-Score of -0.65 indicating it is in Distress Zones.

Frequently Asked Questions Learn more about Altman Z2-Score →
What does a Altman Z2-Score of -0.65 mean?
Saudi Automotive Services Co (SAU:4050) has a Altman Z2-Score of -0.65 as of Jul. 08, 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 Saudi Automotive Services Co and its competitors. According to the industry distribution chart, Saudi Automotive Services Co ranks #955 out of 1114 companies in the Retail - Cyclical industry, placing it in the top 85.7%.
Is Saudi Automotive Services Co's Altman Z2-Score too high?
Saudi Automotive Services Co's current Altman Z2-Score is -0.65. Based on the distribution chart, Saudi Automotive Services Co ranks #955 out of 1114 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Saudi Automotive Services Co has a GF Score™ of 90/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Saudi Automotive Services Co's Altman Z2-Score compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Saudi Automotive Services Co ranks #955 out of 1114 companies for Altman Z2-Score. This places Saudi Automotive Services Co in the lower half of its industry. The industry median Altman Z2-Score is 2.99. 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 Retail - Cyclical company?
The median Altman Z2-Score among Retail - Cyclical companies is 2.99, based on 1,114 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 Saudi Automotive Services Co and its competitors. For the Retail - Cyclical industry, the median Altman Z2-Score is 2.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saudi Automotive Services Co's current Altman Z2-Score is -0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi Automotive Services Co stock overvalued right now?
Based on GuruFocus' analysis, Saudi Automotive Services Co (SAU:4050) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼76.16, compared to a current price of ﷼43.86 — trading 42.4% below its estimated fair value. The current Altman Z2-Score is -0.65. Saudi Automotive Services Co's overall GF Score™ is 90/100 with 10 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 Saudi Automotive Services Co (SAU:4050), the current Altman Z2-Score is -0.65 as of Jul. 08, 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 Saudi Automotive Services Co (SAU:4050) Overvalued in 2026?

Based on GuruFocus' analysis, Saudi Automotive Services Co stock appears to be undervalued. The current stock price of ﷼43.86 is trading 42.4% below its estimated GF Value™ of ﷼76.16. GuruFocus considers Saudi Automotive Services Co to be Significantly Undervalued.

Key valuation signals for SAU:4050:

  • Altman Z2-Score: -0.65
  • GF Value™: ﷼76.16 vs. price of ﷼43.86 (42.4% below fair value)
  • GF Score™: 90/100 with 10 warning signs

No single metric tells the full story. See the SAU:4050 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Saudi Automotive Services Co Business Description

Address Makkah Al Mukarramah Road, Khurais, P. O Box 12411, Building No. 4870, King Abdulaziz District, Riyadh, SAU, 12411
Saudi Automotive Services Co owns and manages fuel stations, auto and travelers services centers, motels, restaurants, C-stores inside cities and on highways, and an auto club which issues customs traffic documents (TripTik), international driving licenses, and organizes sports activities. In addition, the group also provides road transportation services for liquid and dry materials. Along with its subsidiaries, it operates in the following segments: Retail and operations, Saudi Club, SASCO Palm, Transportation Fleet, and Others. Maximum revenue is derived from the Retail and operations segment, which represents income generated from its fuel station operations and the operation of residential and commercial buildings. Geographically, the group operates only in the Kingdom of Saudi Arabia.
90GF Score

Get the complete analysis for SAU:4050

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

﷼43.86
Price
﷼76.16
GF Value