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:
China Maple Leaf Educational Systems has a Altman Z2-Score of 0.78, 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.
STU:CML1'
s Altman Z2-Score Range Over the Past 10 Years
Min: -0.81 Med: 0.77 Max: 3.66
Current: 0.78
During the past 13 years, China Maple Leaf Educational Systems's highest Altman Z2-Score was 3.66. The lowest was -0.81. And the median was 0.77.
China Maple Leaf Educational Systems (STU:CML1) 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.
China Maple Leaf Educational Systems Altman Z2-Score Chart
STU:CML1 vs EDU, TAL, LAUR: Altman Z2-Score Comparison
For the Education & Training Services subindustry, China Maple Leaf Educational Systems'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.
China Maple Leaf Educational Systems Altman Z2-Score vs Education Industry
For the Education industry and Consumer Defensive sector, China Maple Leaf Educational Systems's Altman Z2-Score distribution charts can be found below:
* The bar in red indicates where China Maple Leaf Educational Systems's Altman Z2-Score falls into.
China Maple Leaf Educational Systems 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.
China Maple Leaf Educational Systems (STU:CML1) has a Altman Z2-Score of 0.78 as of Jul. 02, 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 China Maple Leaf Educational Systems and its competitors. This is near median its historical median of 0.77. According to the industry distribution chart, China Maple Leaf Educational Systems ranks #185 out of 257 companies in the Education industry, placing it in the top 72%.
Is China Maple Leaf Educational Systems' Altman Z2-Score too high?
China Maple Leaf Educational Systems' current Altman Z2-Score of 0.78 is near median its 10-year median of 0.77. The Education industry median Altman Z2-Score is 3.14. China Maple Leaf Educational Systems' value of 0.78 is 75.2% below this industry median. Based on the distribution chart, China Maple Leaf Educational Systems ranks #185 out of 257 companies in the Education industry, which is below the industry midpoint. Overall, China Maple Leaf Educational Systems has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does China Maple Leaf Educational Systems' Altman Z2-Score compare to EDU and TAL?
According to the Education industry distribution chart, China Maple Leaf Educational Systems ranks #185 out of 257 companies for Altman Z2-Score. This places China Maple Leaf Educational Systems in the lower half of its industry. The industry median Altman Z2-Score is 3.14. China Maple Leaf Educational Systems' value of 0.78 is 75.2% below this benchmark. While the company's 10-year median is 0.77 vs. the industry median of 3.14, China Maple Leaf Educational Systems 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 Education company?
The median Altman Z2-Score among Education companies is 3.14, based on 257 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. China Maple Leaf Educational Systems's current Altman Z2-Score of 0.78 is 75.2% 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 China Maple Leaf Educational Systems and its competitors. For the Education industry, the median Altman Z2-Score is 3.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Maple Leaf Educational Systems's current Altman Z2-Score is 0.78, which is near median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Maple Leaf Educational Systems stock overvalued right now?
China Maple Leaf Educational Systems (STU:CML1) has a current Altman Z2-Score of 0.78. The stock's GF Value™ is €0.02, compared to a current price of €0.01 — trading 45% below its estimated fair value. The current Altman Z2-Score is 0.78, which is near median its 10-year median of 0.77 and 75.2% below the Education industry median of 3.14. China Maple Leaf Educational Systems' overall GF Score™ is 46/100 with 3 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 China Maple Leaf Educational Systems (STU:CML1), the current Altman Z2-Score is 0.78 as of Jul. 02, 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 China Maple Leaf Educational Systems (STU:CML1) Overvalued in 2026?
Based on GuruFocus' analysis, China Maple Leaf Educational Systems stock appears to be undervalued.
The current stock price of €0.01 is trading 45% below its estimated GF Value™ of €0.02.
Key valuation signals for STU:CML1:
Altman Z2-Score: 0.78 (near median its 10-year median of 0.77)
GF Value™: €0.02 vs. price of €0.01 (45% below fair value)
Industry Position: 75.2% below the Education median (#185 of 257)
No single metric tells the full story. See the STU:CML1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Maple Leaf Educational Systems Business Description
China Maple Leaf Educational Systems Ltd is mainly engaged in international school education in the PRC and other Asia Pacific countries. It operates international K-12 schools under three principal brands: "Maple Leaf" in China, delivering the World School Program; CIS in Singapore, offering the IB program; and KIS in Malaysia, providing the A-Level program. The company's reportable segments are as follows: (i) PRC Segment, (ii) Overseas Segment, including Singapore, Malaysia and other Asia Pacific countries. The majority of the company's revenue is derived from the Overseas Segment, mainly from Singapore. Revenue is generated from tuition and boarding fees, educational programs, textbook and materials sales, catering services, extracurricular activities, and related offerings.
46GF Score
Get the complete analysis for STU:CML1
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
STU:CML1 has been successfully added to your 
