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What is Northlink Fiscal and Capital Services Altman Z-Score?
Northlink Fiscal and Capital ServicesBOM:539110 56 Altman Z-Score is 5.42 as of Jul. 19, 2026, which is 27% below its 10-year median of 7.45. GuruFocus rates BOM:539110 with a GF Score™ of 56/100 and a GF Value™ of ₹19.31 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 410 Credit Services companies, Northlink Fiscal and Capital Services ranks better than 79.27% 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 5.42 is strong.
Northlink Fiscal and Capital Services has a Altman Z-Score of 5.42, 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.
Northlink Fiscal and Capital Services (BOM:539110) Altman Z-Score Explanation
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.
Northlink Fiscal and Capital Services Altman Z-Score Chart
BOM:539110 vs V, MA, AXP: Altman Z-Score Comparison
For the Credit Services subindustry, Northlink Fiscal and Capital 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.
Northlink Fiscal and Capital Services Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Northlink Fiscal and Capital Services's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Northlink Fiscal and Capital Services's Altman Z-Score falls into.
Northlink Fiscal and Capital Services Altman Z-Score Calculation
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.
Northlink Fiscal and Capital Services (BOM:539110) has a Altman Z-Score of 5.42 as of Jul. 19, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Northlink Fiscal and Capital Services and its competitors. This is 27% below median its historical median of 7.45. Over the past decade, Northlink Fiscal and Capital Services' Altman Z-Score has ranged from 1.79 to 15.58. According to the industry distribution chart, Northlink Fiscal and Capital Services ranks #85 out of 410 companies in the Credit Services industry, placing it in the top 20.7%.
Is Northlink Fiscal and Capital Services' Altman Z-Score too high?
Northlink Fiscal and Capital Services' current Altman Z-Score of 5.42 is 27% below median its 10-year median of 7.45. Over the past 10 years, this metric has ranged from a low of 1.79 to a high of 15.58. The Credit Services industry median Altman Z-Score is 1.73. Northlink Fiscal and Capital Services' value of 5.42 is 213.3% above this industry median. Based on the distribution chart, Northlink Fiscal and Capital Services ranks #85 out of 410 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Northlink Fiscal and Capital Services has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northlink Fiscal and Capital Services' Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, Northlink Fiscal and Capital Services ranks #85 out of 410 companies for Altman Z-Score. This places Northlink Fiscal and Capital Services in the top 21% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.73. Northlink Fiscal and Capital Services' value of 5.42 is 213.3% above this benchmark. Historically, Northlink Fiscal and Capital Services' own Altman Z-Score has ranged from 1.79 to 15.58 over the past decade. While the company's 10-year median is 7.45 vs. the industry median of 1.73, Northlink Fiscal and Capital 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 1.73, based on 410 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. Northlink Fiscal and Capital Services's current Altman Z-Score of 5.42 is 213.3% 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 Northlink Fiscal and Capital Services and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northlink Fiscal and Capital Services's current Altman Z-Score is 5.42, which is 27% below median its own 10-year median of 7.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northlink Fiscal and Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Northlink Fiscal and Capital Services (BOM:539110) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹19.31, compared to a current price of ₹24.40 — trading 26.4% above its estimated fair value. The current Altman Z-Score is 5.42, which is 27% below median its 10-year median of 7.45 and 213.3% above the Credit Services industry median of 1.73. Northlink Fiscal and Capital Services' overall GF Score™ is 56/100 with 2 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 Northlink Fiscal and Capital Services (BOM:539110), the current Altman Z-Score is 5.42 as of Jul. 19, 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 Northlink Fiscal and Capital Services (BOM:539110) Overvalued in 2026?
Based on GuruFocus' analysis, Northlink Fiscal and Capital Services stock appears to be overvalued.
The current stock price of ₹24.40 is trading 26.4% above its estimated GF Value™ of ₹19.31.
GuruFocus considers Northlink Fiscal and Capital Services to be Modestly Overvalued.
Key valuation signals for BOM:539110:
Altman Z-Score: 5.42 (27% below median its 10-year median of 7.45)
GF Value™: ₹19.31 vs. price of ₹24.40 (26.4% above fair value)
Industry Position: 213.3% above the Credit Services median (#85 of 410)
No single metric tells the full story. See the BOM:539110 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northlink Fiscal and Capital Services Business Description
Northlink Fiscal and Capital Services Ltd is a Non-Banking Financial Company and is engaged in lending loans. The company operates in a single segment engaged in the business of financing.
56GF Score
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