Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
What is International School Augsburg AG Altman Z-Score?
International School Augsburg AGFRA:9JK 79 Altman Z-Score is 1.11 as of Jul. 21, 2026, which is 1% below its 10-year median of 1.12. GuruFocus rates FRA:9JK with a GF Score™ of 79/100 and a GF Value™ of €9.02 (Fairly Valued). The stock has 8 warning signs investors should review. Among 248 Education companies, International School Augsburg AG ranks worse than 72.98% 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 1.11 is in distress zone. This implies bankruptcy possibility in the next two years.
International School Augsburg AG has a Altman Z-Score of 1.11, 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 International School Augsburg AG's Altman Z-Score or its related term are showing as below:
FRA:9JK'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.97 Med: 1.12 Max: 1.39
Current: 1.11
During the past 7 years, International School Augsburg AG's highest Altman Z-Score was 1.39. The lowest was 0.97. And the median was 1.12.
International School Augsburg AG (FRA:9JK) 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.
International School Augsburg AG Altman Z-Score Chart
FRA:9JK vs EDU, TAL, LAUR: Altman Z-Score Comparison
For the Education & Training Services subindustry, International School Augsburg AG'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.
International School Augsburg AG Altman Z-Score vs Education Industry
For the Education industry and Consumer Defensive sector, International School Augsburg AG's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where International School Augsburg AG's Altman Z-Score falls into.
International School Augsburg AG 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.
International School Augsburg AG (FRA:9JK) has a Altman Z-Score of 1.11 as of Jul. 21, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on International School Augsburg AG and its competitors. This is near median its historical median of 1.12. Over the past decade, International School Augsburg AG's Altman Z-Score has ranged from 0.97 to 1.39. According to the industry distribution chart, International School Augsburg AG ranks #181 out of 248 companies in the Education industry, placing it in the top 73%.
Is International School Augsburg AG's Altman Z-Score too high?
International School Augsburg AG's current Altman Z-Score of 1.11 is near median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 1.39. The Education industry median Altman Z-Score is 2.32. International School Augsburg AG's value of 1.11 is 52.1% below this industry median. Based on the distribution chart, International School Augsburg AG ranks #181 out of 248 companies in the Education industry, which is below the industry midpoint. Overall, International School Augsburg AG has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does International School Augsburg AG's Altman Z-Score compare to EDU and TAL?
According to the Education industry distribution chart, International School Augsburg AG ranks #181 out of 248 companies for Altman Z-Score. This places International School Augsburg AG in the lower half of its industry. The industry median Altman Z-Score is 2.32. International School Augsburg AG's value of 1.11 is 52.1% below this benchmark. Historically, International School Augsburg AG's own Altman Z-Score has ranged from 0.97 to 1.39 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 2.32, International School Augsburg AG 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 an Education company?
The median Altman Z-Score among Education companies is 2.32, based on 248 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. International School Augsburg AG's current Altman Z-Score of 1.11 is 52.1% 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 International School Augsburg AG and its competitors. For the Education industry, the median Altman Z-Score is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International School Augsburg AG's current Altman Z-Score is 1.11, which is near median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International School Augsburg AG stock overvalued right now?
Based on GuruFocus' analysis, International School Augsburg AG (FRA:9JK) is currently considered Fairly Valued. The stock's GF Value™ is €9.02, compared to a current price of €9.60 — trading 6.4% above its estimated fair value. The current Altman Z-Score is 1.11, which is near median its 10-year median of 1.12 and 52.1% below the Education industry median of 2.32. International School Augsburg AG's overall GF Score™ is 79/100 with 8 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 International School Augsburg AG (FRA:9JK), the current Altman Z-Score is 1.11 as of Jul. 21, 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 International School Augsburg AG (FRA:9JK) Overvalued in 2026?
Based on GuruFocus' analysis, International School Augsburg AG stock appears to be overvalued.
The current stock price of €9.60 is trading 6.4% above its estimated GF Value™ of €9.02.
GuruFocus considers International School Augsburg AG to be Fairly Valued.
Key valuation signals for FRA:9JK:
Altman Z-Score: 1.11 (near median its 10-year median of 1.12)
GF Value™: €9.02 vs. price of €9.60 (6.4% above fair value)
Industry Position: 52.1% below the Education median (#181 of 248)
No single metric tells the full story. See the FRA:9JK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
International School Augsburg AG Business Description
International School Augsburg AG is an English-speaking private day school for children between the ages of 3 and 18 in Gersthofen, Germany. Its Educational Programs include: Early Learning, Primary School, Middle School. High School, Learning Support, and University & Careers.
79GF Score
Get the complete analysis for FRA:9JK
Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:9JK has been successfully added to your 
