Yangzijiang Financial HoldingYNGFF -11.47%50 Altman Z2-Score is 15.72 as of Jul. 01, 2026, which is 38% below its 10-year median of 25.41. GuruFocus rates YNGFF with a GF Score™ of 50/100 and a GF Value™ of $0.04 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 704 Asset Management companies, Yangzijiang Financial Holding ranks better than 74.43% 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.
Good Sign:
Yangzijiang Financial Holding has a Altman Z2-Score of 15.72, indicating it is in Safe Zones. This implies the Altman Z2-Score is strong.
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 Yangzijiang Financial Holding's Altman Z2-Score or its related term are showing as below:
YNGFF'
s Altman Z2-Score Range Over the Past 10 Years
Min: 15.72 Med: 25.41 Max: 45.28
Current: 15.72
During the past 7 years, Yangzijiang Financial Holding's highest Altman Z2-Score was 45.28. The lowest was 15.72. And the median was 25.41.
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.
For the Asset Management subindustry, Yangzijiang Financial Holding'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.
Yangzijiang Financial Holding Altman Z2-Score vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Yangzijiang Financial Holding's Altman Z2-Score distribution charts can be found below:
* The bar in red indicates where Yangzijiang Financial Holding'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.
Yangzijiang Financial Holding (YNGFF) has a Altman Z2-Score of 15.72 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 Yangzijiang Financial Holding and its competitors. This is 38% below median its historical median of 25.41. Over the past decade, Yangzijiang Financial Holding's Altman Z2-Score has ranged from 15.72 to 45.28. According to the industry distribution chart, Yangzijiang Financial Holding ranks #180 out of 704 companies in the Asset Management industry, placing it in the top 25.6%.
Is Yangzijiang Financial Holding's Altman Z2-Score too high?
Yangzijiang Financial Holding's current Altman Z2-Score of 15.72 is 38% below median its 10-year median of 25.41. Over the past 10 years, this metric has ranged from a low of 15.72 to a high of 45.28. The Asset Management industry median Altman Z2-Score is 6.13. Yangzijiang Financial Holding's value of 15.72 is 156.4% above this industry median. Based on the distribution chart, Yangzijiang Financial Holding ranks #180 out of 704 companies in the Asset Management industry, which is above the industry midpoint. Overall, Yangzijiang Financial Holding has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Yangzijiang Financial Holding's Altman Z2-Score compare to BLK and BX?
According to the Asset Management industry distribution chart, Yangzijiang Financial Holding ranks #180 out of 704 companies for Altman Z2-Score. This puts Yangzijiang Financial Holding in the upper half of its industry. The industry median Altman Z2-Score is 6.13. Yangzijiang Financial Holding's value of 15.72 is 156.4% above this benchmark. Historically, Yangzijiang Financial Holding's own Altman Z2-Score has ranged from 15.72 to 45.28 over the past decade. While the company's 10-year median is 25.41 vs. the industry median of 6.13, Yangzijiang Financial Holding has consistently been above 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 Asset Management company?
The median Altman Z2-Score among Asset Management companies is 6.13, based on 704 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. Yangzijiang Financial Holding's current Altman Z2-Score of 15.72 is 156.4% above 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 Yangzijiang Financial Holding and its competitors. For the Asset Management industry, the median Altman Z2-Score is 6.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yangzijiang Financial Holding's current Altman Z2-Score is 15.72, which is 38% below median its own 10-year median of 25.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yangzijiang Financial Holding stock overvalued right now?
Based on GuruFocus' analysis, Yangzijiang Financial Holding (YNGFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.04, compared to a current price of $0.18 — trading 342.8% above its estimated fair value. The current Altman Z2-Score is 15.72, which is 38% below median its 10-year median of 25.41 and 156.4% above the Asset Management industry median of 6.13. Yangzijiang Financial Holding's overall GF Score™ is 50/100 with 2 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 Yangzijiang Financial Holding (YNGFF), the current Altman Z2-Score is 15.72 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 Yangzijiang Financial Holding (YNGFF) Overvalued in 2026?
Based on GuruFocus' analysis, Yangzijiang Financial Holding stock appears to be overvalued.
The current stock price of $0.18 is trading 342.8% above its estimated GF Value™ of $0.04.
GuruFocus considers Yangzijiang Financial Holding to be Significantly Overvalued.
Key valuation signals for YNGFF:
Altman Z2-Score: 15.72 (38% below median its 10-year median of 25.41)
GF Value™: $0.04 vs. price of $0.18 (342.8% above fair value)
Industry Position: 156.4% above the Asset Management median (#180 of 704)
No single metric tells the full story. See the YNGFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yangzijiang Financial Holding Business Description
Yangzijiang Financial Holding Ltd operates as an investment management business, which seeks capital appreciation and investment income from investments in both public and private companies as funds, as well as deploying funds into various situations, and the debt investment business, which is made up of debt investments. The principal activities of the Group consist of micro-financing, debt investments at amortized cost, fund management, and other investments, and therefore, management considers that the Group operates in one single business segment at two geographical locations, namely, Singapore and the PRC.
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