CASH Financial Services GroupCFLSF 32 Altman Z-Score is 0.45 as of Jun. 29, 2026, which is 15% above its 10-year median of 0.39. GuruFocus rates CFLSF with a GF Score™ of 32/100 and a GF Value™ of $0.04. The stock has 5 warning signs investors should review. Among 661 Capital Markets companies, CASH Financial Services Group ranks worse than 83.36% 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.
Warning Sign:
Altman Z-score of 0.45 is in distress zone. This implies bankruptcy possibility in the next two years.
CASH Financial Services Group has a Altman Z-Score of 0.45, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
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 CASH Financial Services Group's Altman Z-Score or its related term are showing as below:
CFLSF'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.12 Med: 0.39 Max: 1.25
Current: 0.45
During the past 13 years, CASH Financial Services Group's highest Altman Z-Score was 1.25. The lowest was 0.12. And the median was 0.39.
CASH Financial Services Group (OTCPK:CFLSF) 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.
CASH Financial Services Group Altman Z-Score Chart
For the Capital Markets subindustry, CASH Financial Services Group'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.
CASH Financial Services Group Altman Z-Score vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, CASH Financial Services Group's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where CASH Financial Services Group's Altman Z-Score falls into.
CASH Financial Services Group 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.
CASH Financial Services Group (CFLSF) has a Altman Z-Score of 0.45 as of Jun. 29, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on CASH Financial Services Group and its competitors. This is 15% above median its historical median of 0.39. Over the past decade, CASH Financial Services Group's Altman Z-Score has ranged from 0.12 to 1.25. According to the industry distribution chart, CASH Financial Services Group ranks #551 out of 661 companies in the Capital Markets industry, placing it in the top 83.4%.
Is CASH Financial Services Group's Altman Z-Score too high?
CASH Financial Services Group's current Altman Z-Score of 0.45 is 15% above median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.25. The Capital Markets industry median Altman Z-Score is 2.55. CASH Financial Services Group's value of 0.45 is 82.4% below this industry median. Based on the distribution chart, CASH Financial Services Group ranks #551 out of 661 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, CASH Financial Services Group has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does CASH Financial Services Group's Altman Z-Score compare to MS and GS?
According to the Capital Markets industry distribution chart, CASH Financial Services Group ranks #551 out of 661 companies for Altman Z-Score. This places CASH Financial Services Group in the lower half of its industry. The industry median Altman Z-Score is 2.55. CASH Financial Services Group's value of 0.45 is 82.4% below this benchmark. Historically, CASH Financial Services Group's own Altman Z-Score has ranged from 0.12 to 1.25 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 2.55, CASH Financial Services Group has consistently been below 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 Capital Markets company?
The median Altman Z-Score among Capital Markets companies is 2.55, based on 661 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. CASH Financial Services Group's current Altman Z-Score of 0.45 is 82.4% below 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 CASH Financial Services Group and its competitors. For the Capital Markets industry, the median Altman Z-Score is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CASH Financial Services Group's current Altman Z-Score is 0.45, which is 15% above median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CASH Financial Services Group stock overvalued right now?
CASH Financial Services Group (CFLSF) has a current Altman Z-Score of 0.45. The stock's GF Value™ is $0.04, compared to a current price of $0.10 — trading 150% above its estimated fair value. The current Altman Z-Score is 0.45, which is 15% above median its 10-year median of 0.39 and 82.4% below the Capital Markets industry median of 2.55. CASH Financial Services Group's overall GF Score™ is 32/100 with 5 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 CASH Financial Services Group (CFLSF), the current Altman Z-Score is 0.45 as of Jun. 29, 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 CASH Financial Services Group (CFLSF) Overvalued in 2026?
Based on GuruFocus' analysis, CASH Financial Services Group stock appears to be overvalued.
The current stock price of $0.10 is trading 150% above its estimated GF Value™ of $0.04.
Key valuation signals for CFLSF:
Altman Z-Score: 0.45 (15% above median its 10-year median of 0.39)
GF Value™: $0.04 vs. price of $0.10 (150% above fair value)
Industry Position: 82.4% below the Capital Markets median (#551 of 661)
No single metric tells the full story. See the CFLSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CASH Financial Services Group Business Description
CASH Financial Services Group Ltd is engaged in the provision of online and traditional brokerage of securities, futures and options as well as general and life insurance, mutual funds and mandatory provident fund products; proprietary trading of equity securities and derivatives; provision of margin financing and money lending services; and provision of investment management services. Its segments include Financial services, and Investment management. It derives revenue from Broking services, Wealth management services, Investment management services, Handling and other services. Geographically, the company derives maximum revenue from Hong Kong, and also has its presence in the PRC.
32GF Score
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