Summerset Group HoldingsASX:SNZ 71 Altman Z-Score is 0.68 as of Jun. 27, 2026, which is 37% below its 10-year median of 1.08. GuruFocus rates ASX:SNZ with a GF Score™ of 71/100 and a GF Value™ of A$12.47 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 662 Healthcare Providers & Services companies, Summerset Group Holdings ranks worse than 78.1% 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 0.69 is in distress zone. This implies bankruptcy possibility in the next two years.
Summerset Group Holdings has a Altman Z-Score of 0.68, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
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 Summerset Group Holdings's Altman Z-Score or its related term are showing as below:
ASX:SNZ'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.69 Med: 1.08 Max: 1.4
Current: 0.69
During the past 13 years, Summerset Group Holdings's highest Altman Z-Score was 1.40. The lowest was 0.69. And the median was 1.08.
Summerset Group Holdings (ASX:SNZ) Altman Z-Score Explanation
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.
* 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:SNZ vs HCA, THC, DVA: Altman Z-Score Comparison
For the Medical Care Facilities subindustry, Summerset Group 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.
Summerset Group Holdings Altman Z-Score vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Summerset Group Holdings's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Summerset Group Holdings's Altman Z-Score falls into.
Summerset Group Holdings Altman Z-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.
* 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.
Summerset Group Holdings (ASX:SNZ) has a Altman Z-Score of 0.68 as of Jun. 27, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Summerset Group Holdings and its competitors. This is 37% below median its historical median of 1.08. Over the past decade, Summerset Group Holdings' Altman Z-Score has ranged from 0.69 to 1.40. According to the industry distribution chart, Summerset Group Holdings ranks #517 out of 662 companies in the Healthcare Providers & Services industry, placing it in the top 78.1%.
Is Summerset Group Holdings' Altman Z-Score too high?
Summerset Group Holdings' current Altman Z-Score of 0.68 is 37% below median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1.40. The Healthcare Providers & Services industry median Altman Z-Score is 2.36. Summerset Group Holdings' value of 0.68 is 71.2% below this industry median. Based on the distribution chart, Summerset Group Holdings ranks #517 out of 662 companies in the Healthcare Providers & Services industry, which is in the bottom quartile relative to peers. Overall, Summerset Group Holdings has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Summerset Group Holdings' Altman Z-Score compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, Summerset Group Holdings ranks #517 out of 662 companies for Altman Z-Score. This places Summerset Group Holdings in the lower half of its industry. The industry median Altman Z-Score is 2.36. Summerset Group Holdings' value of 0.68 is 71.2% below this benchmark. Historically, Summerset Group Holdings' own Altman Z-Score has ranged from 0.69 to 1.40 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 2.36, Summerset Group Holdings 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 Z-Score for a Healthcare Providers & Services company?
The median Altman Z-Score among Healthcare Providers & Services companies is 2.36, based on 662 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. Summerset Group Holdings's current Altman Z-Score of 0.68 is 71.2% 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 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 Summerset Group Holdings and its competitors. For the Healthcare Providers & Services industry, the median Altman Z-Score is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summerset Group Holdings's current Altman Z-Score is 0.68, which is 37% below median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summerset Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, Summerset Group Holdings (ASX:SNZ) is currently considered Possible Value Trap. The stock's GF Value™ is A$12.47, compared to a current price of A$7.02 — trading 43.7% below its estimated fair value. The current Altman Z-Score is 0.68, which is 37% below median its 10-year median of 1.08 and 71.2% below the Healthcare Providers & Services industry median of 2.36. Summerset Group Holdings' overall GF Score™ is 71/100 with 8 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 Summerset Group Holdings (ASX:SNZ), the current Altman Z-Score is 0.68 as of Jun. 27, 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 Summerset Group Holdings (ASX:SNZ) Overvalued in 2026?
Based on GuruFocus' analysis, Summerset Group Holdings stock appears to be undervalued.
The current stock price of A$7.02 is trading 43.7% below its estimated GF Value™ of A$12.47.
GuruFocus considers Summerset Group Holdings to be Possible Value Trap.
Key valuation signals for ASX:SNZ:
Altman Z-Score: 0.68 (37% below median its 10-year median of 1.08)
GF Value™: A$12.47 vs. price of A$7.02 (43.7% below fair value)
Industry Position: 71.2% below the Healthcare Providers & Services median (#517 of 662)
No single metric tells the full story. See the ASX:SNZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summerset Group Holdings Ltd develops, owns, and operates integrated retirement villages. The company receives a majority of its revenue from the New Zealand Ministry of Health, which subsidizes fees for eligible aged-care residents. Its revenue is mainly derived from care fees and village services income. Summerset provides a range of care for its residents, including in-home care and 24-hour medical care centers. In addition to its independent-living villas and apartments, Summerset offers supported-living residences, which include assistance with daily activities like shopping and housekeeping.
71GF Score
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