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Sarvottam FinvestBOM:539124 +5.06%63 Altman Z-Score is 69.97 as of Jul. 15, 2026, which is 23% below its 10-year median of 91.23. GuruFocus rates BOM:539124 with a GF Score™ of 63/100 and a GF Value™ of ₹21.63 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 410 Credit Services companies, Sarvottam Finvest ranks better than 95.12% 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 72.17 is strong.
Sarvottam Finvest has a Altman Z-Score of 69.97, 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 Sarvottam Finvest's Altman Z-Score or its related term are showing as below:
BOM:539124'
s Altman Z-Score Range Over the Past 10 Years
Min: 20.7 Med: 91.23 Max: 239.39
Current: 72.17
During the past 12 years, Sarvottam Finvest's highest Altman Z-Score was 239.39. The lowest was 20.70. And the median was 91.23.
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.
Sarvottam Finvest Altman Z-Score Related Terms
Sarvottam Finvest Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Sarvottam Finvest'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:539124 vs V, MA, AXP: Altman Z-Score Comparison
For the Credit Services subindustry, Sarvottam Finvest'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.
Sarvottam Finvest Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sarvottam Finvest's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Sarvottam Finvest'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.
Sarvottam Finvest'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
*
0.9552
+
1.4
*
0
+
3.3
*
-0.0072
+
0.6
*
114.66
+
1.0
*
0.0557
=
69.97
* 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.
Sarvottam Finvest (BOM:539124) has a Altman Z-Score of 69.97 as of Jul. 15, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Sarvottam Finvest and its competitors. This is 23% below median its historical median of 91.23. Over the past decade, Sarvottam Finvest's Altman Z-Score has ranged from 20.70 to 239.39. According to the industry distribution chart, Sarvottam Finvest ranks #20 out of 410 companies in the Credit Services industry, placing it in the top 4.9%.
Is Sarvottam Finvest's Altman Z-Score too high?
Sarvottam Finvest's current Altman Z-Score of 69.97 is 23% below median its 10-year median of 91.23. Over the past 10 years, this metric has ranged from a low of 20.70 to a high of 239.39. The Credit Services industry median Altman Z-Score is 1.76. Sarvottam Finvest's value of 69.97 is 3886.9% above this industry median. Based on the distribution chart, Sarvottam Finvest ranks #20 out of 410 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Sarvottam Finvest has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sarvottam Finvest's Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, Sarvottam Finvest ranks #20 out of 410 companies for Altman Z-Score. This places Sarvottam Finvest in the top 5% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.76. Sarvottam Finvest's value of 69.97 is 3886.9% above this benchmark. Historically, Sarvottam Finvest's own Altman Z-Score has ranged from 20.70 to 239.39 over the past decade. While the company's 10-year median is 91.23 vs. the industry median of 1.76, Sarvottam Finvest 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 1.76, 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. Sarvottam Finvest's current Altman Z-Score of 69.97 is 3886.9% 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 Sarvottam Finvest and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sarvottam Finvest's current Altman Z-Score is 69.97, which is 23% below median its own 10-year median of 91.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sarvottam Finvest stock overvalued right now?
Based on GuruFocus' analysis, Sarvottam Finvest (BOM:539124) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹21.63, compared to a current price of ₹19.11 — trading 11.7% below its estimated fair value. The current Altman Z-Score is 69.97, which is 23% below median its 10-year median of 91.23 and 3886.9% above the Credit Services industry median of 1.76. Sarvottam Finvest's overall GF Score™ is 63/100 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 Sarvottam Finvest (BOM:539124), the current Altman Z-Score is 69.97 as of Jul. 15, 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 Sarvottam Finvest (BOM:539124) Overvalued in 2026?
Based on GuruFocus' analysis, Sarvottam Finvest stock appears to be undervalued.
The current stock price of ₹19.11 is trading 11.7% below its estimated GF Value™ of ₹21.63.
GuruFocus considers Sarvottam Finvest to be Modestly Undervalued.
Key valuation signals for BOM:539124:
Altman Z-Score: 69.97 (23% below median its 10-year median of 91.23)
GF Value™: ₹21.63 vs. price of ₹19.11 (11.7% below fair value)
Industry Position: 3886.9% above the Credit Services median (#20 of 410)
No single metric tells the full story. See the BOM:539124 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sarvottam Finvest Ltd is an Indian-based non-banking financial company. Its business is to make both long-term and short-term investments in quoted as well as unquoted shares. The company also gives short-term and long-term loans to its borrowers. It earns revenue through interest on loans given to the borrowers, dividends on investments, and revenue by purchase and sale of shares and securities. It is engaged in only one segment which is Financing and all of the Operations are in India.
63GF Score
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