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Continental SecuritiesBOM:538868 +0.99%81 Altman Z-Score is 33.86 as of Sep. 08, 2026, which is 81% above its 10-year median of 18.71. GuruFocus rates BOM:538868 with a GF Score™ of 81/100 and a GF Value™ of ₹19.35 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 412 Credit Services companies, Continental Securities ranks better than 92.96% 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 33.63 is strong.
Continental Securities has a Altman Z-Score of 33.86, 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 Continental Securities's Altman Z-Score or its related term are showing as below:
BOM:538868'
s Altman Z-Score Range Over the Past 10 Years
Min: 10.36 Med: 18.71 Max: 50.46
Current: 33.63
During the past 13 years, Continental Securities's highest Altman Z-Score was 50.46. The lowest was 10.36. And the median was 18.71.
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.
Continental Securities Altman Z-Score Related Terms
Continental Securities Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Continental Securities'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:538868 vs V, MA, AXP: Altman Z-Score Comparison
For the Credit Services subindustry, Continental Securities'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.
Continental Securities Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Continental Securities's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Continental Securities'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.
Continental Securities (BOM:538868) has a Altman Z-Score of 33.86 as of Sep. 08, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Continental Securities and its competitors. This is 81% above median its historical median of 18.71. Over the past decade, Continental Securities' Altman Z-Score has ranged from 10.36 to 50.46. According to the industry distribution chart, Continental Securities ranks #29 out of 412 companies in the Credit Services industry, placing it in the top 7%.
Is Continental Securities' Altman Z-Score too high?
Continental Securities' current Altman Z-Score of 33.86 is 81% above median its 10-year median of 18.71. Over the past 10 years, this metric has ranged from a low of 10.36 to a high of 50.46. The Credit Services industry median Altman Z-Score is 1.67. Continental Securities' value of 33.86 is 1927.5% above this industry median. Based on the distribution chart, Continental Securities ranks #29 out of 412 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Continental Securities has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Continental Securities' Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, Continental Securities ranks #29 out of 412 companies for Altman Z-Score. This places Continental Securities in the top 7% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.67. Continental Securities' value of 33.86 is 1927.5% above this benchmark. Historically, Continental Securities' own Altman Z-Score has ranged from 10.36 to 50.46 over the past decade. While the company's 10-year median is 18.71 vs. the industry median of 1.67, Continental Securities 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 1.67, based on 412 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. Continental Securities's current Altman Z-Score of 33.86 is 1927.5% 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 Continental Securities and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Continental Securities's current Altman Z-Score is 33.86, which is 81% above median its own 10-year median of 18.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Continental Securities stock overvalued right now?
Based on GuruFocus' analysis, Continental Securities (BOM:538868) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹19.35, compared to a current price of ₹21.42 — trading 10.7% above its estimated fair value. The current Altman Z-Score is 33.86, which is 81% above median its 10-year median of 18.71 and 1927.5% above the Credit Services industry median of 1.67. Continental Securities' overall GF Score™ is 81/100 with 9 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 Continental Securities (BOM:538868), the current Altman Z-Score is 33.86 as of Sep. 08, 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 Continental Securities (BOM:538868) Overvalued in 2026?
Based on GuruFocus' analysis, Continental Securities stock appears to be overvalued.
The current stock price of ₹21.42 is trading 10.7% above its estimated GF Value™ of ₹19.35.
GuruFocus considers Continental Securities to be Modestly Overvalued.
Key valuation signals for BOM:538868:
Altman Z-Score: 33.86 (81% above median its 10-year median of 18.71)
GF Value™: ₹19.35 vs. price of ₹21.42 (10.7% above fair value)
Industry Position: 1927.5% above the Credit Services median (#29 of 412)
No single metric tells the full story. See the BOM:538868 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Continental Securities Ltd is a non-banking financial company. The company is engaged in the business of Gold loans, Personal loans, inter-corporate loans, Loans against property Loans to SMEs, and such fund-based activities. The company is operating in one segment which is lending to borrowers within India.
81GF Score
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