Motorcycle HoldingsASX:MTO -0.81%85 Altman Z-Score is 2.76 as of Jun. 26, 2026, which is 5% below its 10-year median of 2.92. GuruFocus rates ASX:MTO with a GF Score™ of 85/100 and a GF Value™ of A$2.64 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,313 Vehicles & Parts companies, Motorcycle Holdings ranks better than 54.76% on this metric.
The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.
Warning Sign:
Altman Z-score of 2.81 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.
Motorcycle Holdings has a Altman Z-Score of 2.76, indicating it is in Grey Zones. This implies that Motorcycle Holdings is in some kind of financial stress. If it is below 1.81, the company may face bankrupcy risk.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
The historical rank and industry rank for Motorcycle Holdings's Altman Z-Score or its related term are showing as below:
ASX:MTO'
s Altman Z-Score Range Over the Past 10 Years
Min: 2.12 Med: 2.92 Max: 5.07
Current: 2.81
During the past 10 years, Motorcycle Holdings's highest Altman Z-Score was 5.07. The lowest was 2.12. And the median was 2.92.
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, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
Altman Z-Score does not apply to financial companies.
Motorcycle Holdings Altman Z-Score Related Terms
Motorcycle Holdings Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Motorcycle Holdings's Altman Z-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.
ASX:MTO vs CVNA, PAG, ALTB: Altman Z-Score Comparison
For the Auto & Truck Dealerships subindustry, Motorcycle Holdings's Altman Z-Score, along with its competitors' market caps and Altman Z-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.
Motorcycle Holdings Altman Z-Score vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, Motorcycle Holdings's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Motorcycle Holdings's Altman Z-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.
Motorcycle Holdings's Altman Z-Score for today is calculated with this formula:
Z
=
1.2
*
X1
+
1.4
*
X2
+
3.3
*
X3
+
0.6
*
X4
+
1.0
*
X5
=
1.2
*
0.1945
+
1.4
*
0.1365
+
3.3
*
0.0739
+
0.6
*
0.8996
+
1.0
*
1.5532
=
2.76
* 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 Z-Score when X4 or X5 value is 0.
Motorcycle Holdings (ASX:MTO) has a Altman Z-Score of 2.76 as of Jun. 26, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Motorcycle Holdings and its competitors. This is near median its historical median of 2.92. Over the past decade, Motorcycle Holdings' Altman Z-Score has ranged from 2.12 to 5.07. According to the industry distribution chart, Motorcycle Holdings ranks #594 out of 1313 companies in the Vehicles & Parts industry, placing it in the top 45.2%.
Is Motorcycle Holdings' Altman Z-Score too high?
Motorcycle Holdings' current Altman Z-Score of 2.76 is near median its 10-year median of 2.92. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 5.07. The Vehicles & Parts industry median Altman Z-Score is 2.56. Motorcycle Holdings' value of 2.76 is 7.8% above this industry median. Based on the distribution chart, Motorcycle Holdings ranks #594 out of 1313 companies in the Vehicles & Parts industry, which is above the industry midpoint. Overall, Motorcycle Holdings has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Motorcycle Holdings' Altman Z-Score compare to CVNA and PAG?
According to the Vehicles & Parts industry distribution chart, Motorcycle Holdings ranks #594 out of 1313 companies for Altman Z-Score. This puts Motorcycle Holdings in the upper half of its industry. The industry median Altman Z-Score is 2.56. Motorcycle Holdings' value of 2.76 is 7.8% above this benchmark. Historically, Motorcycle Holdings' own Altman Z-Score has ranged from 2.12 to 5.07 over the past decade. While the company's 10-year median is 2.92 vs. the industry median of 2.56, Motorcycle Holdings 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 Z-Score for a Vehicles & Parts company?
The median Altman Z-Score among Vehicles & Parts companies is 2.56, based on 1,313 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Motorcycle Holdings's current Altman Z-Score of 2.76 is 7.8% 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 Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on Motorcycle Holdings and its competitors. For the Vehicles & Parts industry, the median Altman Z-Score is 2.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Motorcycle Holdings's current Altman Z-Score is 2.76, which is near median its own 10-year median of 2.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Motorcycle Holdings stock overvalued right now?
Based on GuruFocus' analysis, Motorcycle Holdings (ASX:MTO) is currently considered Fairly Valued. The stock's GF Value™ is A$2.64, compared to a current price of A$2.45 — trading 7.2% below its estimated fair value. The current Altman Z-Score is 2.76, which is near median its 10-year median of 2.92 and 7.8% above the Vehicles & Parts industry median of 2.56. Motorcycle Holdings' overall GF Score™ is 85/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For Motorcycle Holdings (ASX:MTO), the current Altman Z-Score is 2.76 as of Jun. 26, 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 Motorcycle Holdings (ASX:MTO) Overvalued in 2026?
Based on GuruFocus' analysis, Motorcycle Holdings stock appears to be undervalued.
The current stock price of A$2.45 is trading 7.2% below its estimated GF Value™ of A$2.64.
GuruFocus considers Motorcycle Holdings to be Fairly Valued.
Key valuation signals for ASX:MTO:
Altman Z-Score: 2.76 (near median its 10-year median of 2.92)
GF Value™: A$2.64 vs. price of A$2.45 (7.2% below fair value)
Industry Position: 7.8% above the Vehicles & Parts median (#594 of 1313)
No single metric tells the full story. See the ASX:MTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Motorcycle Holdings Ltd is a motorcycle dealer in Australia. It has two reporting segments. First, Motorcycle Retailing, which offers a range of motorcycle products and services to the general public in Australia, including the sale of new and used motorcycles, parts, servicing, accessories, and MPPs. The segment also facilitates insurance and financing for motorcycle purchases through third-party sources. Second, the Motorcycle and Accessories Wholesaling segment, which imports and distributes a range of motorcycles, ATVs, scooters, and motorcycle parts and accessories to wholesale customers in Australia and New Zealand, including the Group's own retail outlets.
85GF Score
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