PTT Oil and Retail Business PCLFRA:7F8 55 Altman Z-Score is 4.18 as of Jul. 01, 2026, which is 22% below its 10-year median of 5.34. GuruFocus rates FRA:7F8 with a GF Score™ of 55/100 and a GF Value™ of €0.32 (Fairly Valued). The stock has 4 warning signs investors should review. Among 898 Oil & Gas companies, PTT Oil and Retail Business PCL ranks better than 80.73% 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 4.18 is strong.
PTT Oil and Retail Business PCL has a Altman Z-Score of 4.18, 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 PTT Oil and Retail Business PCL's Altman Z-Score or its related term are showing as below:
FRA:7F8'
s Altman Z-Score Range Over the Past 10 Years
Min: 4.18 Med: 5.34 Max: 5.89
Current: 4.18
During the past 8 years, PTT Oil and Retail Business PCL's highest Altman Z-Score was 5.89. The lowest was 4.18. And the median was 5.34.
PTT Oil and Retail Business PCL (FRA:7F8) 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.
PTT Oil and Retail Business PCL Altman Z-Score Chart
FRA:7F8 vs VLO, MPC, PSX: Altman Z-Score Comparison
For the Oil & Gas Refining & Marketing subindustry, PTT Oil and Retail Business PCL'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.
PTT Oil and Retail Business PCL Altman Z-Score vs Oil & Gas Industry
For the Oil & Gas industry and Energy sector, PTT Oil and Retail Business PCL's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where PTT Oil and Retail Business PCL's Altman Z-Score falls into.
PTT Oil and Retail Business PCL 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.
PTT Oil and Retail Business PCL (FRA:7F8) has a Altman Z-Score of 4.18 as of Jul. 01, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on PTT Oil and Retail Business PCL and its competitors. This is 22% below median its historical median of 5.34. Over the past decade, PTT Oil and Retail Business PCL's Altman Z-Score has ranged from 4.18 to 5.89. According to the industry distribution chart, PTT Oil and Retail Business PCL ranks #173 out of 898 companies in the Oil & Gas industry, placing it in the top 19.3%.
Is PTT Oil and Retail Business PCL's Altman Z-Score too high?
PTT Oil and Retail Business PCL's current Altman Z-Score of 4.18 is 22% below median its 10-year median of 5.34. Over the past 10 years, this metric has ranged from a low of 4.18 to a high of 5.89. The Oil & Gas industry median Altman Z-Score is 1.89. PTT Oil and Retail Business PCL's value of 4.18 is 121.2% above this industry median. Based on the distribution chart, PTT Oil and Retail Business PCL ranks #173 out of 898 companies in the Oil & Gas industry, which is in the top quartile — a strong position relative to peers. Overall, PTT Oil and Retail Business PCL has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PTT Oil and Retail Business PCL's Altman Z-Score compare to VLO and MPC?
According to the Oil & Gas industry distribution chart, PTT Oil and Retail Business PCL ranks #173 out of 898 companies for Altman Z-Score. This places PTT Oil and Retail Business PCL in the top 19% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.89. PTT Oil and Retail Business PCL's value of 4.18 is 121.2% above this benchmark. Historically, PTT Oil and Retail Business PCL's own Altman Z-Score has ranged from 4.18 to 5.89 over the past decade. While the company's 10-year median is 5.34 vs. the industry median of 1.89, PTT Oil and Retail Business PCL 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 Oil & Gas company?
The median Altman Z-Score among Oil & Gas companies is 1.89, based on 898 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. PTT Oil and Retail Business PCL's current Altman Z-Score of 4.18 is 121.2% 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 PTT Oil and Retail Business PCL and its competitors. For the Oil & Gas industry, the median Altman Z-Score is 1.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PTT Oil and Retail Business PCL's current Altman Z-Score is 4.18, which is 22% below median its own 10-year median of 5.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PTT Oil and Retail Business PCL stock overvalued right now?
Based on GuruFocus' analysis, PTT Oil and Retail Business PCL (FRA:7F8) is currently considered Fairly Valued. The stock's GF Value™ is €0.32, compared to a current price of €0.29 — trading 8.1% below its estimated fair value. The current Altman Z-Score is 4.18, which is 22% below median its 10-year median of 5.34 and 121.2% above the Oil & Gas industry median of 1.89. PTT Oil and Retail Business PCL's overall GF Score™ is 55/100 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 PTT Oil and Retail Business PCL (FRA:7F8), the current Altman Z-Score is 4.18 as of Jul. 01, 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 PTT Oil and Retail Business PCL (FRA:7F8) Overvalued in 2026?
Based on GuruFocus' analysis, PTT Oil and Retail Business PCL stock appears to be undervalued.
The current stock price of €0.29 is trading 8.1% below its estimated GF Value™ of €0.32.
GuruFocus considers PTT Oil and Retail Business PCL to be Fairly Valued.
Key valuation signals for FRA:7F8:
Altman Z-Score: 4.18 (22% below median its 10-year median of 5.34)
GF Value™: €0.32 vs. price of €0.29 (8.1% below fair value)
Industry Position: 121.2% above the Oil & Gas median (#173 of 898)
No single metric tells the full story. See the FRA:7F8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PTT Oil and Retail Business PCL Business Description
PTT Oil and Retail Business PCL operates in the oil and gas refining and marketing sector. The company is engaged in the distribution of petroleum products and retailing of non-oil products and services in both domestic and international markets. Its segments include Mobility Business, Lifestyle Business, and Global Business. The firm generates the majority of its revenue from the Mobility segment.
55GF Score
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