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GDL Leasing & FinanceBOM:530855 +4.02%73 Altman Z-Score is 17.63 as of Jul. 17, 2026, which is 74% below its 10-year median of 68.35. GuruFocus rates BOM:530855 with a GF Score™ of 73/100 and a GF Value™ of ₹55.96 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 47 Banks companies, GDL Leasing & Finance ranks better than 93.62% 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.
Good Sign:
Altman Z-score of 16.24 is strong.
GDL Leasing & Finance has a Altman Z-Score of 17.63, indicating it is in Safe Zones. This implies the Altman Z-Score is strong.
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 GDL Leasing & Finance's Altman Z-Score or its related term are showing as below:
BOM:530855'
s Altman Z-Score Range Over the Past 10 Years
Min: 3.9 Med: 68.35 Max: 479.35
Current: 16.24
During the past 13 years, GDL Leasing & Finance's highest Altman Z-Score was 479.35. The lowest was 3.90. And the median was 68.35.
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.
GDL Leasing & Finance Altman Z-Score Related Terms
GDL Leasing & Finance Altman Z-Score Historical Data
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The historical data trend for GDL Leasing & Finance'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:530855 vs RKT, FNMA, PFSI: Altman Z-Score Comparison
For the Mortgage Finance subindustry, GDL Leasing & Finance'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.
GDL Leasing & Finance Altman Z-Score vs Banks Industry
For the Banks industry and Financial Services sector, GDL Leasing & Finance's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where GDL Leasing & Finance'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.
* 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.
GDL Leasing & Finance (BOM:530855) has a Altman Z-Score of 17.63 as of Jul. 17, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on GDL Leasing & Finance and its competitors. This is 74% below median its historical median of 68.35. Over the past decade, GDL Leasing & Finance's Altman Z-Score has ranged from 3.90 to 479.35. According to the industry distribution chart, GDL Leasing & Finance ranks #3 out of 47 companies in the Banks industry, placing it in the top 6.4%.
Is GDL Leasing & Finance's Altman Z-Score too high?
GDL Leasing & Finance's current Altman Z-Score of 17.63 is 74% below median its 10-year median of 68.35. Over the past 10 years, this metric has ranged from a low of 3.90 to a high of 479.35. The Banks industry median Altman Z-Score is 1.37. GDL Leasing & Finance's value of 17.63 is 1186.9% above this industry median. Based on the distribution chart, GDL Leasing & Finance ranks #3 out of 47 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, GDL Leasing & Finance has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GDL Leasing & Finance's Altman Z-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, GDL Leasing & Finance ranks #3 out of 47 companies for Altman Z-Score. This places GDL Leasing & Finance in the top 6% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.37. GDL Leasing & Finance's value of 17.63 is 1186.9% above this benchmark. Historically, GDL Leasing & Finance's own Altman Z-Score has ranged from 3.90 to 479.35 over the past decade. While the company's 10-year median is 68.35 vs. the industry median of 1.37, GDL Leasing & Finance 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 Banks company?
The median Altman Z-Score among Banks companies is 1.37, based on 47 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. GDL Leasing & Finance's current Altman Z-Score of 17.63 is 1186.9% 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 GDL Leasing & Finance and its competitors. For the Banks industry, the median Altman Z-Score is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GDL Leasing & Finance's current Altman Z-Score is 17.63, which is 74% below median its own 10-year median of 68.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GDL Leasing & Finance stock overvalued right now?
Based on GuruFocus' analysis, GDL Leasing & Finance (BOM:530855) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹55.96, compared to a current price of ₹65.53 — trading 17.1% above its estimated fair value. The current Altman Z-Score is 17.63, which is 74% below median its 10-year median of 68.35 and 1186.9% above the Banks industry median of 1.37. GDL Leasing & Finance's overall GF Score™ is 73/100 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 GDL Leasing & Finance (BOM:530855), the current Altman Z-Score is 17.63 as of Jul. 17, 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 GDL Leasing & Finance (BOM:530855) Overvalued in 2026?
Based on GuruFocus' analysis, GDL Leasing & Finance stock appears to be overvalued.
The current stock price of ₹65.53 is trading 17.1% above its estimated GF Value™ of ₹55.96.
GuruFocus considers GDL Leasing & Finance to be Modestly Overvalued.
Key valuation signals for BOM:530855:
Altman Z-Score: 17.63 (74% below median its 10-year median of 68.35)
GF Value™: ₹55.96 vs. price of ₹65.53 (17.1% above fair value)
Industry Position: 1186.9% above the Banks median (#3 of 47)
No single metric tells the full story. See the BOM:530855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GDL Leasing & Finance Ltd is a non-banking finance company. It is engaged in financial activities such as Loans and Investments. The company also helps small and medium-sized enterprises (SMEs) to raise finances through a credit guarantee scheme. The main services and specialization include Loans, advances, & Investments.
73GF Score
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