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Gujjubhai IndustriesBOM:532070 +0.72%74 Altman Z-Score is 12.60 as of Jul. 18, 2026, which is 144% above its 10-year median of 5.16. GuruFocus rates BOM:532070 with a GF Score™ of 74/100 and a GF Value™ of ₹147.01 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 310 Retail - Defensive companies, Gujjubhai Industries ranks better than 92.9% 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 12.07 is strong.
Gujjubhai Industries has a Altman Z-Score of 12.60, 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 Gujjubhai Industries's Altman Z-Score or its related term are showing as below:
BOM:532070'
s Altman Z-Score Range Over the Past 10 Years
Min: -0.39 Med: 5.16 Max: 16.22
Current: 12.07
During the past 13 years, Gujjubhai Industries's highest Altman Z-Score was 16.22. The lowest was -0.39. And the median was 5.16.
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.
Gujjubhai Industries Altman Z-Score Related Terms
Gujjubhai Industries Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Gujjubhai Industries'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:532070 vs SYY, USFD, PFGC: Altman Z-Score Comparison
For the Food Distribution subindustry, Gujjubhai Industries'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.
Gujjubhai Industries Altman Z-Score vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, Gujjubhai Industries's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Gujjubhai Industries'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.
Gujjubhai Industries'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
*
0.6741
+
1.4
*
0
+
3.3
*
0.1049
+
0.6
*
16.1018
+
1.0
*
1.7832
=
12.60
* 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.
Gujjubhai Industries (BOM:532070) has a Altman Z-Score of 12.60 as of Jul. 18, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Gujjubhai Industries and its competitors. This is 144% above median its historical median of 5.16. According to the industry distribution chart, Gujjubhai Industries ranks #22 out of 310 companies in the Retail - Defensive industry, placing it in the top 7.1%.
Is Gujjubhai Industries' Altman Z-Score too high?
Gujjubhai Industries' current Altman Z-Score of 12.60 is 144% above median its 10-year median of 5.16. The Retail - Defensive industry median Altman Z-Score is 3.54. Gujjubhai Industries' value of 12.60 is 256.4% above this industry median. Based on the distribution chart, Gujjubhai Industries ranks #22 out of 310 companies in the Retail - Defensive industry, which is in the top quartile — a strong position relative to peers. Overall, Gujjubhai Industries has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Gujjubhai Industries' Altman Z-Score compare to SYY and USFD?
According to the Retail - Defensive industry distribution chart, Gujjubhai Industries ranks #22 out of 310 companies for Altman Z-Score. This places Gujjubhai Industries in the top 7% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 3.54. Gujjubhai Industries' value of 12.60 is 256.4% above this benchmark. While the company's 10-year median is 5.16 vs. the industry median of 3.54, Gujjubhai Industries 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 Retail - Defensive company?
The median Altman Z-Score among Retail - Defensive companies is 3.54, based on 310 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. Gujjubhai Industries's current Altman Z-Score of 12.60 is 256.4% 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 Gujjubhai Industries and its competitors. For the Retail - Defensive industry, the median Altman Z-Score is 3.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gujjubhai Industries's current Altman Z-Score is 12.60, which is 144% above median its own 10-year median of 5.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gujjubhai Industries stock overvalued right now?
Based on GuruFocus' analysis, Gujjubhai Industries (BOM:532070) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹147.01, compared to a current price of ₹125.85 — trading 14.4% below its estimated fair value. The current Altman Z-Score is 12.60, which is 144% above median its 10-year median of 5.16 and 256.4% above the Retail - Defensive industry median of 3.54. Gujjubhai Industries' overall GF Score™ is 74/100 with 6 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 Gujjubhai Industries (BOM:532070), the current Altman Z-Score is 12.60 as of Jul. 18, 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 Gujjubhai Industries (BOM:532070) Overvalued in 2026?
Based on GuruFocus' analysis, Gujjubhai Industries stock appears to be undervalued.
The current stock price of ₹125.85 is trading 14.4% below its estimated GF Value™ of ₹147.01.
GuruFocus considers Gujjubhai Industries to be Modestly Undervalued.
Key valuation signals for BOM:532070:
Altman Z-Score: 12.60 (144% above median its 10-year median of 5.16)
GF Value™: ₹147.01 vs. price of ₹125.85 (14.4% below fair value)
Industry Position: 256.4% above the Retail - Defensive median (#22 of 310)
No single metric tells the full story. See the BOM:532070 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gujjubhai Industries Ltd, formerly Sumuka Agro Industries Ltd is a company engaged in the business of trading and retailing a wide array of dry fruit products. The company's product portfolio includes almonds, cashew nuts, raisins, pistachios, chocolates, dates, dried fruits, mukhwas, premium nuts, seeds, walnuts, and many other products. It sells the products under the brand name of Siamaa's.
74GF Score
Get the complete analysis for BOM:532070
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