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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 13.86 is strong.
Zaggle Prepaid Ocean Services has a Altman Z-Score of 13.97, 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 Zaggle Prepaid Ocean Services's Altman Z-Score or its related term are showing as below:
BOM:543985'
s Altman Z-Score Range Over the Past 10 Years
Min: 12.74 Med: 19.9 Max: 46.25
Current: 13.86
During the past 7 years, Zaggle Prepaid Ocean Services's highest Altman Z-Score was 46.25. The lowest was 12.74. And the median was 19.90.
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:543985 vs MSFT, ORCL, PLTR: Altman Z-Score Comparison
For the Software - Infrastructure subindustry, Zaggle Prepaid Ocean 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.
Zaggle Prepaid Ocean Services Altman Z-Score vs Software Industry
For the Software industry and Technology sector, Zaggle Prepaid Ocean Services's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Zaggle Prepaid Ocean Services'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.
Zaggle Prepaid Ocean Services (BOM:543985) has a Altman Z-Score of 13.97 as of Jul. 18, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Zaggle Prepaid Ocean Services and its competitors. This is 30% below median its historical median of 19.90. Over the past decade, Zaggle Prepaid Ocean Services' Altman Z-Score has ranged from 12.74 to 46.25. According to the industry distribution chart, Zaggle Prepaid Ocean Services ranks #217 out of 2765 companies in the Software industry, placing it in the top 7.8%.
Is Zaggle Prepaid Ocean Services' Altman Z-Score too high?
Zaggle Prepaid Ocean Services' current Altman Z-Score of 13.97 is 30% below median its 10-year median of 19.90. Over the past 10 years, this metric has ranged from a low of 12.74 to a high of 46.25. The Software industry median Altman Z-Score is 3.17. Zaggle Prepaid Ocean Services' value of 13.97 is 340.7% above this industry median. Based on the distribution chart, Zaggle Prepaid Ocean Services ranks #217 out of 2765 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Zaggle Prepaid Ocean Services has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Zaggle Prepaid Ocean Services' Altman Z-Score compare to MSFT and ORCL?
According to the Software industry distribution chart, Zaggle Prepaid Ocean Services ranks #217 out of 2765 companies for Altman Z-Score. This places Zaggle Prepaid Ocean Services in the top 8% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 3.17. Zaggle Prepaid Ocean Services' value of 13.97 is 340.7% above this benchmark. Historically, Zaggle Prepaid Ocean Services' own Altman Z-Score has ranged from 12.74 to 46.25 over the past decade. While the company's 10-year median is 19.90 vs. the industry median of 3.17, Zaggle Prepaid Ocean 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 Software company?
The median Altman Z-Score among Software companies is 3.17, based on 2,765 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. Zaggle Prepaid Ocean Services's current Altman Z-Score of 13.97 is 340.7% 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 Zaggle Prepaid Ocean Services and its competitors. For the Software industry, the median Altman Z-Score is 3.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zaggle Prepaid Ocean Services's current Altman Z-Score is 13.97, which is 30% below median its own 10-year median of 19.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zaggle Prepaid Ocean Services stock overvalued right now?
Based on GuruFocus' analysis, Zaggle Prepaid Ocean Services (BOM:543985) is currently considered Possible Value Trap. The stock's GF Value™ is ₹654.90, compared to a current price of ₹209.60 — trading 68% below its estimated fair value. The current Altman Z-Score is 13.97, which is 30% below median its 10-year median of 19.90 and 340.7% above the Software industry median of 3.17. Zaggle Prepaid Ocean Services' overall GF Score™ is 63/100 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 Zaggle Prepaid Ocean Services (BOM:543985), the current Altman Z-Score is 13.97 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 Zaggle Prepaid Ocean Services (BOM:543985) Overvalued in 2026?
Based on GuruFocus' analysis, Zaggle Prepaid Ocean Services stock appears to be undervalued.
The current stock price of ₹209.60 is trading 68% below its estimated GF Value™ of ₹654.90.
GuruFocus considers Zaggle Prepaid Ocean Services to be Possible Value Trap.
Key valuation signals for BOM:543985:
Altman Z-Score: 13.97 (30% below median its 10-year median of 19.90)
GF Value™: ₹654.90 vs. price of ₹209.60 (68% below fair value)
Industry Position: 340.7% above the Software median (#217 of 2765)
No single metric tells the full story. See the BOM:543985 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zaggle Prepaid Ocean Services Business Description
Zaggle Prepaid Ocean Services Ltd is into spend management, with a differentiated value proposition and diversified user base. It offers a diversified portfolio of SaaS, including tax and payroll software. The company's core product portfolio includes; Propel, a SaaS platform for channel partner rewards and incentives, employee rewards and recognition; SAVE, a SaaS-based platform for employee expense management, reimbursements and benefits; and Zoyer, an integrated data driven SaaS-based procure-to-pay and utility payment platform. The company's operating segments are based on the nature of the products and services provided and include; Propel platform revenue/gift cards which derives maximum revenue, Platform fee/SaaS fee/Service fee and Program fee.
63GF Score
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