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Cindrella Financial ServicesBOM:531283 67 Altman Z-Score is 47.47 as of Jul. 31, 2026, which is 352% above its 10-year median of 10.50. GuruFocus rates BOM:531283 with a GF Score™ of 67/100 and a GF Value™ of ₹12.72 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 411 Credit Services companies, Cindrella Financial Services ranks better than 93.92% 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 49.94 is strong.
Cindrella Financial Services has a Altman Z-Score of 47.47, 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 Cindrella Financial Services's Altman Z-Score or its related term are showing as below:
BOM:531283'
s Altman Z-Score Range Over the Past 10 Years
Min: 5.22 Med: 10.5 Max: 49.94
Current: 49.94
During the past 13 years, Cindrella Financial Services's highest Altman Z-Score was 49.94. The lowest was 5.22. And the median was 10.50.
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.
BOM:531283 vs V, MA, AXP: Altman Z-Score Comparison
For the Credit Services subindustry, Cindrella Financial Services'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.
Cindrella Financial Services Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cindrella Financial Services's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Cindrella Financial Services'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.
Cindrella Financial Services (BOM:531283) has a Altman Z-Score of 47.47 as of Jul. 31, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Cindrella Financial Services and its competitors. This is 352% above median its historical median of 10.50. Over the past decade, Cindrella Financial Services' Altman Z-Score has ranged from 5.22 to 49.94. According to the industry distribution chart, Cindrella Financial Services ranks #25 out of 411 companies in the Credit Services industry, placing it in the top 6.1%.
Is Cindrella Financial Services' Altman Z-Score too high?
Cindrella Financial Services' current Altman Z-Score of 47.47 is 352% above median its 10-year median of 10.50. Over the past 10 years, this metric has ranged from a low of 5.22 to a high of 49.94. The Credit Services industry median Altman Z-Score is 1.70. Cindrella Financial Services' value of 47.47 is 2692.4% above this industry median. Based on the distribution chart, Cindrella Financial Services ranks #25 out of 411 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Cindrella Financial Services has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cindrella Financial Services' Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, Cindrella Financial Services ranks #25 out of 411 companies for Altman Z-Score. This places Cindrella Financial Services in the top 6% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.70. Cindrella Financial Services' value of 47.47 is 2692.4% above this benchmark. Historically, Cindrella Financial Services' own Altman Z-Score has ranged from 5.22 to 49.94 over the past decade. While the company's 10-year median is 10.50 vs. the industry median of 1.70, Cindrella Financial Services 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 Credit Services company?
The median Altman Z-Score among Credit Services companies is 1.70, based on 411 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. Cindrella Financial Services's current Altman Z-Score of 47.47 is 2692.4% 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 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 Cindrella Financial Services and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cindrella Financial Services's current Altman Z-Score is 47.47, which is 352% above median its own 10-year median of 10.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cindrella Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Cindrella Financial Services (BOM:531283) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹12.72, compared to a current price of ₹10.93 — trading 14.1% below its estimated fair value. The current Altman Z-Score is 47.47, which is 352% above median its 10-year median of 10.50 and 2692.4% above the Credit Services industry median of 1.70. Cindrella Financial Services' overall GF Score™ is 67/100 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 Cindrella Financial Services (BOM:531283), the current Altman Z-Score is 47.47 as of Jul. 31, 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 Cindrella Financial Services (BOM:531283) Overvalued in 2026?
Based on GuruFocus' analysis, Cindrella Financial Services stock appears to be undervalued.
The current stock price of ₹10.93 is trading 14.1% below its estimated GF Value™ of ₹12.72.
GuruFocus considers Cindrella Financial Services to be Modestly Undervalued.
Key valuation signals for BOM:531283:
Altman Z-Score: 47.47 (352% above median its 10-year median of 10.50)
GF Value™: ₹12.72 vs. price of ₹10.93 (14.1% below fair value)
Industry Position: 2692.4% above the Credit Services median (#25 of 411)
No single metric tells the full story. See the BOM:531283 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cindrella Financial Services Ltd is an India-based company. It is a non-banking financial company. It provides long-term loans and consultancy services. The company receives maximum revenue from dividend income.
67GF Score
Get the complete analysis for BOM:531283
Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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