Gen Digital (XPRA:GEN) Altman Z2-Score: 0.48 (As of Jul. 01, 2026) — 153% Above Median


XPRA:GEN Gen Digital Inc XPRA:GEN
93 GF Score
Price Kč522.00
GF Value Kč681.81
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Gen Digital Altman Z2-Score?

Gen Digital XPRA:GEN +2.35% 93 Altman Z2-Score is 0.48 as of Jul. 01, 2026, which is 153% above its 10-year median of 0.19. GuruFocus rates XPRA:GEN with a GF Score™ of 93/100 and a GF Value™ of Kč681.81 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,818 Software companies, Gen Digital ranks worse than 70.23% 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:

Gen Digital has a Altman Z2-Score of 0.48, 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 Gen Digital's Altman Z2-Score or its related term are showing as below:

XPRA:GEN' s Altman Z2-Score Range Over the Past 10 Years
Min: -1.04   Med: 0.19   Max: 0.91
Current: 0.48

During the past 13 years, Gen Digital's highest Altman Z2-Score was 0.91. The lowest was -1.04. And the median was 0.19.


Gen Digital  (XPRA:GEN) 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.


Gen Digital Altman Z2-Score Related Terms


Gen Digital Altman Z2-Score Historical Data

* Premium members only.

The historical data trend for Gen Digital'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.

Gen Digital Altman Z2-Score Chart

Gen Digital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Altman Z2-Score
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.55 -0.12 0.05 0.33 0.48

Gen Digital 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 0.33 0.31 0.39 0.32 0.48

XPRA:GEN vs RBRK, DOCN, TOST: Altman Z2-Score Comparison

For the Software - Infrastructure subindustry, Gen Digital'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.


Gen Digital Altman Z2-Score vs Software Industry

For the Software industry and Technology sector, Gen Digital's Altman Z2-Score distribution charts can be found below:

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


XPRA:GEN
93GF Score
Gen Digital Inc XPRA:GEN
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Gen Digital 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.

Gen Digital'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*-0.1045+3.26*0.0173+6.72*0.133+1.05*0.2012
=0.48

* 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 Kč329,572 Mil.
Total Current Assets was Kč22,854 Mil.
Total Current Liabilities was Kč57,293 Mil.
Retained Earnings was Kč5,687 Mil.
Pre-Tax Income was 14143.542 + 6400.223 + 4835.407 + 6461.843 = Kč31,841 Mil.
Interest Expense was -2748.371 + -2837.639 + -3029.911 + -3360.158 = Kč-11,976 Mil.
Total Liabilities was Kč274,372 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
=(22853.765 - 57292.972)/329572.009
=-0.1045

X2=Retained Earnings/Total Assets
=5687.015/329572.009
=0.0173

X3=Earnings Before Interest and Taxes/Total Assets
=(Pre-Tax Income - Interest Expense)/Total Assets
=(31841.015 - -11976.079)/329572.009
=0.133

X4_2=Net Worth/Total Liabilities
=(Total Stockholders Equity - Preferred Stock)/Total Liabilities
=(55199.982 - 0)/274372.027
=0.2012

The zones of discrimination were as such:

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

Gen Digital has a Altman Z2-Score of 0.48 indicating it is in Distress Zones.

Frequently Asked Questions Learn more about Altman Z2-Score →
What does a Altman Z2-Score of 0.48 mean?
Gen Digital (XPRA:GEN) has a Altman Z2-Score of 0.48 as of Jul. 01, 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 Gen Digital and its competitors. This is 153% above median its historical median of 0.19. According to the industry distribution chart, Gen Digital ranks #1979 out of 2818 companies in the Software industry, placing it in the top 70.2%.
Is Gen Digital's Altman Z2-Score too high?
Gen Digital's current Altman Z2-Score of 0.48 is 153% above median its 10-year median of 0.19. The Software industry median Altman Z2-Score is 3.06. Gen Digital's value of 0.48 is 84.3% below this industry median. Based on the distribution chart, Gen Digital ranks #1979 out of 2818 companies in the Software industry, which is below the industry midpoint. Overall, Gen Digital has a GF Score™ of 93/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Gen Digital's Altman Z2-Score compare to RBRK and DOCN?
According to the Software industry distribution chart, Gen Digital ranks #1979 out of 2818 companies for Altman Z2-Score. This places Gen Digital in the lower half of its industry. The industry median Altman Z2-Score is 3.06. Gen Digital's value of 0.48 is 84.3% below this benchmark. While the company's 10-year median is 0.19 vs. the industry median of 3.06, Gen Digital 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 Software company?
The median Altman Z2-Score among Software companies is 3.06, based on 2,818 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. Gen Digital's current Altman Z2-Score of 0.48 is 84.3% 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 Gen Digital and its competitors. For the Software industry, the median Altman Z2-Score is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gen Digital's current Altman Z2-Score is 0.48, which is 153% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gen Digital stock overvalued right now?
Based on GuruFocus' analysis, Gen Digital (XPRA:GEN) is currently considered Modestly Undervalued. The stock's GF Value™ is Kč681.81, compared to a current price of Kč522.00 — trading 23.4% below its estimated fair value. The current Altman Z2-Score is 0.48, which is 153% above median its 10-year median of 0.19 and 84.3% below the Software industry median of 3.06. Gen Digital's overall GF Score™ is 93/100 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 Gen Digital (XPRA:GEN), the current Altman Z2-Score is 0.48 as of Jul. 01, 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 Gen Digital (XPRA:GEN) Overvalued in 2026?

Based on GuruFocus' analysis, Gen Digital stock appears to be undervalued. The current stock price of Kč522.00 is trading 23.4% below its estimated GF Value™ of Kč681.81. GuruFocus considers Gen Digital to be Modestly Undervalued.

Key valuation signals for XPRA:GEN:

  • Altman Z2-Score: 0.48 (153% above median its 10-year median of 0.19)
  • GF Value™: Kč681.81 vs. price of Kč522.00 (23.4% below fair value)
  • GF Score™: 93/100 with 4 warning signs
  • Industry Position: 84.3% below the Software median (#1979 of 2818)

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


Gen Digital Business Description

Address 60 E. Rio Salado Parkway, Suite 1000, Tempe, AZ, USA, 85281
Gen is a cybersecurity pure-play that offers security, identity protection, and privacy solutions to individual consumers. The firm's cyber safety offerings, via brands such as Norton, Avast, and LifeLock, have long maintained their positions as some of the most recognizable consumer-focused security and identity-protection products.
93GF Score

Get the complete analysis for XPRA:GEN

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

Kč522.00
Price
Kč681.81
GF Value