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PB FintechBOM:543390 +0.82%83 Altman Z-Score is 32.95 as of Jul. 18, 2026, which is 9% below its 10-year median of 36.32. GuruFocus rates BOM:543390 with a GF Score™ of 83/100 and a GF Value™ of ₹2,464.59 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 63 Insurance companies, PB Fintech ranks better than 98.41% 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 32.95 is strong.
PB Fintech has a Altman Z-Score of 32.95, 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 PB Fintech's Altman Z-Score or its related term are showing as below:
BOM:543390'
s Altman Z-Score Range Over the Past 10 Years
Min: 22.55 Med: 36.32 Max: 40.97
Current: 32.95
During the past 8 years, PB Fintech's highest Altman Z-Score was 40.97. The lowest was 22.55. And the median was 36.32.
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.
PB Fintech Altman Z-Score Related Terms
PB Fintech Altman Z-Score Historical Data
* Premium members only.
The historical data trend for PB Fintech'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:543390 vs MRSH, AON, AJG: Altman Z-Score Comparison
For the Insurance Brokers subindustry, PB Fintech'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.
PB Fintech Altman Z-Score vs Insurance Industry
For the Insurance industry and Financial Services sector, PB Fintech's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where PB Fintech'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.
PB Fintech'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
*
0.3887
+
1.4
*
0
+
3.3
*
0.0855
+
0.6
*
52.3648
+
1.0
*
0.7803
=
32.95
* 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.
PB Fintech (BOM:543390) has a Altman Z-Score of 32.95 as of Jul. 18, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on PB Fintech and its competitors. This is near median its historical median of 36.32. Over the past decade, PB Fintech's Altman Z-Score has ranged from 22.55 to 40.97. According to the industry distribution chart, PB Fintech ranks #1 out of 63 companies in the Insurance industry, placing it in the top 1.6%.
Is PB Fintech's Altman Z-Score too high?
PB Fintech's current Altman Z-Score of 32.95 is near median its 10-year median of 36.32. Over the past 10 years, this metric has ranged from a low of 22.55 to a high of 40.97. The Insurance industry median Altman Z-Score is 1.56. PB Fintech's value of 32.95 is 2012.2% above this industry median. Based on the distribution chart, PB Fintech ranks #1 out of 63 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, PB Fintech has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PB Fintech's Altman Z-Score compare to MRSH and AON?
According to the Insurance industry distribution chart, PB Fintech ranks #1 out of 63 companies for Altman Z-Score. This places PB Fintech in the top 2% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.56. PB Fintech's value of 32.95 is 2012.2% above this benchmark. Historically, PB Fintech's own Altman Z-Score has ranged from 22.55 to 40.97 over the past decade. While the company's 10-year median is 36.32 vs. the industry median of 1.56, PB Fintech 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 an Insurance company?
The median Altman Z-Score among Insurance companies is 1.56, based on 63 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. PB Fintech's current Altman Z-Score of 32.95 is 2012.2% 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 PB Fintech and its competitors. For the Insurance industry, the median Altman Z-Score is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PB Fintech's current Altman Z-Score is 32.95, which is near median its own 10-year median of 36.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PB Fintech stock overvalued right now?
Based on GuruFocus' analysis, PB Fintech (BOM:543390) is currently considered Possible Value Trap. The stock's GF Value™ is ₹2,464.59, compared to a current price of ₹1,574.20 — trading 36.1% below its estimated fair value. The current Altman Z-Score is 32.95, which is near median its 10-year median of 36.32 and 2012.2% above the Insurance industry median of 1.56. PB Fintech's overall GF Score™ is 83/100 with 4 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 PB Fintech (BOM:543390), the current Altman Z-Score is 32.95 as of Jul. 18, 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 PB Fintech (BOM:543390) Overvalued in 2026?
Based on GuruFocus' analysis, PB Fintech stock appears to be undervalued.
The current stock price of ₹1,574.20 is trading 36.1% below its estimated GF Value™ of ₹2,464.59.
GuruFocus considers PB Fintech to be Possible Value Trap.
Key valuation signals for BOM:543390:
Altman Z-Score: 32.95 (near median its 10-year median of 36.32)
GF Value™: ₹2,464.59 vs. price of ₹1,574.20 (36.1% below fair value)
Industry Position: 2012.2% above the Insurance median (#1 of 63)
No single metric tells the full story. See the BOM:543390 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PB Fintech Ltd is an integrated online marketing and consulting firm serving the financial services industry, including insurance. Its revenue mainly comes from commissions on insurance and financial products sold online and offline. Services include online marketing, product aggregation, insurance commissions, outsourcing for insurers, generating sales, IT support, and lending-related fees. The business operates in a single segment focused on financial services, with all revenue generated within India. The Company helps middle-class households secure social security by providing solutions for protecting against death and disease, planning for child education and pensions, and accessing financial and lending products.
83GF Score
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