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SRG Housing FinanceBOM:534680 -5.19%76 Altman Z-Score is 1.65 as of Jul. 30, 2026, which is 54% above its 10-year median of 1.07. GuruFocus rates BOM:534680 with a GF Score™ of 76/100 and a GF Value™ of ₹438.35 (Possible Value Trap). The stock has 10 warning signs investors should review. Among 47 Banks companies, SRG Housing Finance ranks better than 63.83% 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 1.67 is in distress zone. This implies bankruptcy possibility in the next two years.
SRG Housing Finance has a Altman Z-Score of 1.65, 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 SRG Housing Finance's Altman Z-Score or its related term are showing as below:
BOM:534680'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.71 Med: 1.07 Max: 1.83
Current: 1.67
During the past 13 years, SRG Housing Finance's highest Altman Z-Score was 1.83. The lowest was 0.71. And the median was 1.07.
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.
SRG Housing Finance Altman Z-Score Related Terms
SRG Housing Finance Altman Z-Score Historical Data
* Premium members only.
The historical data trend for SRG Housing 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:534680 vs RKT, FNMA, PFSI: Altman Z-Score Comparison
For the Mortgage Finance subindustry, SRG Housing 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.
SRG Housing Finance Altman Z-Score vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where SRG Housing 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.
SRG Housing Finance'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
*
0.8855
+
1.4
*
0
+
3.3
*
0.0342
+
0.6
*
0.531
+
1.0
*
0.1585
=
1.65
* 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.
SRG Housing Finance (BOM:534680) has a Altman Z-Score of 1.65 as of Jul. 30, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on SRG Housing Finance and its competitors. This is 54% above median its historical median of 1.07. Over the past decade, SRG Housing Finance's Altman Z-Score has ranged from 0.71 to 1.83. According to the industry distribution chart, SRG Housing Finance ranks #17 out of 47 companies in the Banks industry, placing it in the top 36.2%.
Is SRG Housing Finance's Altman Z-Score too high?
SRG Housing Finance's current Altman Z-Score of 1.65 is 54% above median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.83. The Banks industry median Altman Z-Score is 1.29. SRG Housing Finance's value of 1.65 is 27.9% above this industry median. Based on the distribution chart, SRG Housing Finance ranks #17 out of 47 companies in the Banks industry, which is above the industry midpoint. Overall, SRG Housing Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's Altman Z-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #17 out of 47 companies for Altman Z-Score. This puts SRG Housing Finance in the upper half of its industry. The industry median Altman Z-Score is 1.29. SRG Housing Finance's value of 1.65 is 27.9% above this benchmark. Historically, SRG Housing Finance's own Altman Z-Score has ranged from 0.71 to 1.83 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.29, SRG Housing 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 1.29, 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. SRG Housing Finance's current Altman Z-Score of 1.65 is 27.9% 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 SRG Housing Finance and its competitors. For the Banks industry, the median Altman Z-Score is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SRG Housing Finance's current Altman Z-Score is 1.65, which is 54% above median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹438.35, compared to a current price of ₹296.75 — trading 32.3% below its estimated fair value. The current Altman Z-Score is 1.65, which is 54% above median its 10-year median of 1.07 and 27.9% above the Banks industry median of 1.29. SRG Housing Finance's overall GF Score™ is 76/100 with 10 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 SRG Housing Finance (BOM:534680), the current Altman Z-Score is 1.65 as of Jul. 30, 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 SRG Housing Finance (BOM:534680) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹296.75 is trading 32.3% below its estimated GF Value™ of ₹438.35.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:534680:
Altman Z-Score: 1.65 (54% above median its 10-year median of 1.07)
GF Value™: ₹438.35 vs. price of ₹296.75 (32.3% below fair value)
Industry Position: 27.9% above the Banks median (#17 of 47)
No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
76GF Score
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