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What is Creative Global Technology Holdings Altman Z-Score?
Creative Global Technology HoldingsCGTL +0.73%22 Altman Z-Score is 19.73 as of Jul. 25, 2026, which is 41% below its 10-year median of 33.36. GuruFocus rates CGTL with a GF Scoreâ„¢ of 22/100. The stock has 4 warning signs investors should review. Among 1,114 Retail - Cyclical companies, Creative Global Technology Holdings ranks better than 96.32% 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 19.73 is strong.
Creative Global Technology Holdings has a Altman Z-Score of 19.73, 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.
CGTL'
s Altman Z-Score Range Over the Past 10 Years
Min: 19.73 Med: 33.36 Max: 33.36
Current: 19.73
During the past 5 years, Creative Global Technology Holdings's highest Altman Z-Score was 33.36. The lowest was 19.73. And the median was 33.36.
Creative Global Technology Holdings (NAS:CGTL) 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.
Creative Global Technology Holdings Altman Z-Score Chart
Creative Global Technology Holdings Annual Data
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Creative Global Technology Holdings Semi-Annual Data
For the Specialty Retail subindustry, Creative Global Technology Holdings'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.
Creative Global Technology Holdings Altman Z-Score vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Creative Global Technology Holdings's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Creative Global Technology Holdings's Altman Z-Score falls into.
Creative Global Technology Holdings 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.
Creative Global Technology Holdings (CGTL) has a Altman Z-Score of 19.73 as of Jul. 25, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Creative Global Technology Holdings and its competitors. This is 41% below median its historical median of 33.36. Over the past decade, Creative Global Technology Holdings' Altman Z-Score has ranged from 19.73 to 33.36. According to the industry distribution chart, Creative Global Technology Holdings ranks #41 out of 1114 companies in the Retail - Cyclical industry, placing it in the top 3.7%.
Is Creative Global Technology Holdings' Altman Z-Score too high?
Creative Global Technology Holdings' current Altman Z-Score of 19.73 is 41% below median its 10-year median of 33.36. Over the past 10 years, this metric has ranged from a low of 19.73 to a high of 33.36. The Retail - Cyclical industry median Altman Z-Score is 2.75. Creative Global Technology Holdings' value of 19.73 is 617.5% above this industry median. Based on the distribution chart, Creative Global Technology Holdings ranks #41 out of 1114 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Creative Global Technology Holdings has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Creative Global Technology Holdings' Altman Z-Score compare to JBDI and BWTL?
According to the Retail - Cyclical industry distribution chart, Creative Global Technology Holdings ranks #41 out of 1114 companies for Altman Z-Score. This places Creative Global Technology Holdings in the top 4% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.75. Creative Global Technology Holdings' value of 19.73 is 617.5% above this benchmark. Historically, Creative Global Technology Holdings' own Altman Z-Score has ranged from 19.73 to 33.36 over the past decade. While the company's 10-year median is 33.36 vs. the industry median of 2.75, Creative Global Technology Holdings 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 Retail - Cyclical company?
The median Altman Z-Score among Retail - Cyclical companies is 2.75, based on 1,114 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. Creative Global Technology Holdings's current Altman Z-Score of 19.73 is 617.5% 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 Creative Global Technology Holdings and its competitors. For the Retail - Cyclical industry, the median Altman Z-Score is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creative Global Technology Holdings's current Altman Z-Score is 19.73, which is 41% below median its own 10-year median of 33.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creative Global Technology Holdings stock overvalued right now?
Creative Global Technology Holdings (CGTL) has a current Altman Z-Score of 19.73. The current Altman Z-Score is 19.73, which is 41% below median its 10-year median of 33.36 and 617.5% above the Retail - Cyclical industry median of 2.75. Creative Global Technology Holdings' overall GF Score™ is 22/100 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 Creative Global Technology Holdings (CGTL), the current Altman Z-Score is 19.73 as of Jul. 25, 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.
Creative Global Technology Holdings Business Description
Creative Global Technology Holdings Ltd conducts its business through its subsidiary, which is a Hong Kong-based company sourcing and reselling recycled consumer electronic devices, currently mostly smartphones, tablets, and laptops.
22GF Score
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