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Rita Finance and LeasingBOM:543256 -0.08%62 Altman Z-Score is 3.29 as of Aug. 08, 2026, which is 83% below its 10-year median of 19.54. GuruFocus rates BOM:543256 with a GF Score™ of 62/100 and a GF Value™ of ₹26.63 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 412 Credit Services companies, Rita Finance and Leasing ranks better than 72.09% 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 3.54 is strong.
Rita Finance and Leasing has a Altman Z-Score of 3.29, 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 Rita Finance and Leasing's Altman Z-Score or its related term are showing as below:
BOM:543256'
s Altman Z-Score Range Over the Past 10 Years
Min: 3.54 Med: 19.54 Max: 73.67
Current: 3.54
During the past 13 years, Rita Finance and Leasing's highest Altman Z-Score was 73.67. The lowest was 3.54. And the median was 19.54.
Rita Finance and Leasing (BOM:543256) 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.
BOM:543256 vs V, MA, AXP: Altman Z-Score Comparison
For the Credit Services subindustry, Rita Finance and Leasing'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.
Rita Finance and Leasing Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Rita Finance and Leasing's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Rita Finance and Leasing's Altman Z-Score falls into.
Rita Finance and Leasing 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.
Rita Finance and Leasing (BOM:543256) has a Altman Z-Score of 3.29 as of Aug. 08, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Rita Finance and Leasing and its competitors. This is 83% below median its historical median of 19.54. Over the past decade, Rita Finance and Leasing's Altman Z-Score has ranged from 3.54 to 73.67. According to the industry distribution chart, Rita Finance and Leasing ranks #115 out of 412 companies in the Credit Services industry, placing it in the top 27.9%.
Is Rita Finance and Leasing's Altman Z-Score too high?
Rita Finance and Leasing's current Altman Z-Score of 3.29 is 83% below median its 10-year median of 19.54. Over the past 10 years, this metric has ranged from a low of 3.54 to a high of 73.67. The Credit Services industry median Altman Z-Score is 1.72. Rita Finance and Leasing's value of 3.29 is 91.8% above this industry median. Based on the distribution chart, Rita Finance and Leasing ranks #115 out of 412 companies in the Credit Services industry, which is above the industry midpoint. Overall, Rita Finance and Leasing has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Rita Finance and Leasing's Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, Rita Finance and Leasing ranks #115 out of 412 companies for Altman Z-Score. This puts Rita Finance and Leasing in the upper half of its industry. The industry median Altman Z-Score is 1.72. Rita Finance and Leasing's value of 3.29 is 91.8% above this benchmark. Historically, Rita Finance and Leasing's own Altman Z-Score has ranged from 3.54 to 73.67 over the past decade. While the company's 10-year median is 19.54 vs. the industry median of 1.72, Rita Finance and Leasing 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 1.72, 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. Rita Finance and Leasing's current Altman Z-Score of 3.29 is 91.8% 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 Rita Finance and Leasing and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rita Finance and Leasing's current Altman Z-Score is 3.29, which is 83% below median its own 10-year median of 19.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rita Finance and Leasing stock overvalued right now?
Based on GuruFocus' analysis, Rita Finance and Leasing (BOM:543256) is currently considered Possible Value Trap. The stock's GF Value™ is ₹26.63, compared to a current price of ₹12.44 — trading 53.3% below its estimated fair value. The current Altman Z-Score is 3.29, which is 83% below median its 10-year median of 19.54 and 91.8% above the Credit Services industry median of 1.72. Rita Finance and Leasing's overall GF Score™ is 62/100 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 Rita Finance and Leasing (BOM:543256), the current Altman Z-Score is 3.29 as of Aug. 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 Rita Finance and Leasing (BOM:543256) Overvalued in 2026?
Based on GuruFocus' analysis, Rita Finance and Leasing stock appears to be undervalued.
The current stock price of ₹12.44 is trading 53.3% below its estimated GF Value™ of ₹26.63.
GuruFocus considers Rita Finance and Leasing to be Possible Value Trap.
Key valuation signals for BOM:543256:
Altman Z-Score: 3.29 (83% below median its 10-year median of 19.54)
GF Value™: ₹26.63 vs. price of ₹12.44 (53.3% below fair value)
Industry Position: 91.8% above the Credit Services median (#115 of 412)
No single metric tells the full story. See the BOM:543256 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rita Finance and Leasing Ltd operates as a non-banking finance company. The company is engaged principally in the business of advancing loans and investing/trading in securities. The firm generates almost all of its revenue from the interest on loans.
62GF Score
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