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 2.88 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.
DSJ Keep Learning has a Altman Z-Score of 2.98, indicating it is in Grey Zones. This implies that DSJ Keep Learning 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 DSJ Keep Learning's Altman Z-Score or its related term are showing as below:
BOM:526677'
s Altman Z-Score Range Over the Past 10 Years
Min: -308.23 Med: -11.67 Max: 2.88
Current: 2.88
During the past 13 years, DSJ Keep Learning's highest Altman Z-Score was 2.88. The lowest was -308.23. And the median was -11.67.
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.
DSJ Keep Learning Altman Z-Score Related Terms
DSJ Keep Learning Altman Z-Score Historical Data
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The historical data trend for DSJ Keep Learning'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.
BOM:526677 vs EDU, TAL, LAUR: Altman Z-Score Comparison
For the Education & Training Services subindustry, DSJ Keep Learning'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.
DSJ Keep Learning Altman Z-Score vs Education Industry
For the Education industry and Consumer Defensive sector, DSJ Keep Learning's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where DSJ Keep Learning'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.
DSJ Keep Learning'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
*
0.0675
+
1.4
*
0
+
3.3
*
-0.0705
+
0.6
*
4.2435
+
1.0
*
0.5821
=
2.98
* 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.
DSJ Keep Learning (BOM:526677) has a Altman Z-Score of 2.98 as of Jul. 02, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on DSJ Keep Learning and its competitors. According to the industry distribution chart, DSJ Keep Learning ranks #105 out of 250 companies in the Education industry, placing it in the top 42%.
Is DSJ Keep Learning's Altman Z-Score too high?
DSJ Keep Learning's current Altman Z-Score is 2.98. The Education industry median Altman Z-Score is 2.36. DSJ Keep Learning's value of 2.98 is 26.5% above this industry median. Based on the distribution chart, DSJ Keep Learning ranks #105 out of 250 companies in the Education industry, which is above the industry midpoint. Overall, DSJ Keep Learning has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does DSJ Keep Learning's Altman Z-Score compare to EDU and TAL?
According to the Education industry distribution chart, DSJ Keep Learning ranks #105 out of 250 companies for Altman Z-Score. This puts DSJ Keep Learning in the upper half of its industry. The industry median Altman Z-Score is 2.36. DSJ Keep Learning's value of 2.98 is 26.5% above this benchmark. 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 an Education company?
The median Altman Z-Score among Education companies is 2.36, based on 250 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. DSJ Keep Learning's current Altman Z-Score of 2.98 is 26.5% 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 DSJ Keep Learning and its competitors. For the Education 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. DSJ Keep Learning's current Altman Z-Score is 2.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DSJ Keep Learning stock overvalued right now?
Based on GuruFocus' analysis, DSJ Keep Learning (BOM:526677) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2.49, compared to a current price of ₹2.01 — trading 19.3% below its estimated fair value. The current Altman Z-Score is 2.98 and 26.5% above the Education industry median of 2.36. DSJ Keep Learning's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For DSJ Keep Learning (BOM:526677), the current Altman Z-Score is 2.98 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 DSJ Keep Learning (BOM:526677) Overvalued in 2026?
Based on GuruFocus' analysis, DSJ Keep Learning stock appears to be undervalued.
The current stock price of ₹2.01 is trading 19.3% below its estimated GF Value™ of ₹2.49.
GuruFocus considers DSJ Keep Learning to be Modestly Undervalued.
Key valuation signals for BOM:526677:
Altman Z-Score: 2.98
GF Value™: ₹2.49 vs. price of ₹2.01 (19.3% below fair value)
Industry Position: 26.5% above the Education median (#105 of 250)
No single metric tells the full story. See the BOM:526677 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DSJ Keep Learning Ltd provides educational services through campus enablement, online programs for continuing education, and quality assurance mentoring for institutes. The company offers a technology platform called keeplearningOS (kOS), which automates operations in educational institutions, including admissions, results, timetables, and assignments. Its services also include student recruitment, program delivery, and management for universities and colleges. DSJ Keep Learning focuses on digital transformation in education, supporting both academic institutions and learners. Revenue is generated from educational activities and related products. It operates through two synergistic business verticals namely, Campus Enablement and keeplearning.live.
66GF Score
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