Francotyp-Postalia Holding AGHAM:FPH 29 Altman Z-Score is 1.64 as of Jun. 29, 2026, which is 9% above its 10-year median of 1.50. GuruFocus rates HAM:FPH with a GF Score™ of 29/100. The stock has 2 warning signs investors should review. Among 1,059 Business Services companies, Francotyp-Postalia Holding AG ranks worse than 94428.61% 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.
Francotyp-Postalia Holding AG has a Altman Z-Score of 1.64, 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 Francotyp-Postalia Holding AG's Altman Z-Score or its related term are showing as below:
During the past 13 years, Francotyp-Postalia Holding AG's highest Altman Z-Score was 1.80. The lowest was 0.77. And the median was 1.50.
Francotyp-Postalia Holding AG (HAM:FPH) 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.
Francotyp-Postalia Holding AG Altman Z-Score Chart
HAM:FPH vs CTAS, CPRT, ULS: Altman Z-Score Comparison
For the Specialty Business Services subindustry, Francotyp-Postalia Holding 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.
Francotyp-Postalia Holding AG Altman Z-Score vs Business Services Industry
For the Business Services industry and Industrials sector, Francotyp-Postalia Holding AG's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Francotyp-Postalia Holding AG's Altman Z-Score falls into.
Francotyp-Postalia Holding 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.
Francotyp-Postalia Holding AG (HAM:FPH) has a Altman Z-Score of 1.64 as of Jun. 29, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Francotyp-Postalia Holding AG and its competitors. This is near median its historical median of 1.50. Over the past decade, Francotyp-Postalia Holding AG's Altman Z-Score has ranged from 0.77 to 1.80. According to the industry distribution chart, Francotyp-Postalia Holding AG ranks #999999 out of 1059 companies in the Business Services industry.
Is Francotyp-Postalia Holding AG's Altman Z-Score too high?
Francotyp-Postalia Holding AG's current Altman Z-Score of 1.64 is near median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 1.80. The Business Services industry median Altman Z-Score is 2.97. Francotyp-Postalia Holding AG's value of 1.64 is 44.8% below this industry median. Based on the distribution chart, Francotyp-Postalia Holding AG ranks #999999 out of 1059 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Francotyp-Postalia Holding AG has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Francotyp-Postalia Holding AG's Altman Z-Score compare to CTAS and CPRT?
According to the Business Services industry distribution chart, Francotyp-Postalia Holding AG ranks #999999 out of 1059 companies for Altman Z-Score. This places Francotyp-Postalia Holding AG in the lower half of its industry. The industry median Altman Z-Score is 2.97. Francotyp-Postalia Holding AG's value of 1.64 is 44.8% below this benchmark. Historically, Francotyp-Postalia Holding AG's own Altman Z-Score has ranged from 0.77 to 1.80 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 2.97, Francotyp-Postalia Holding 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 a Business Services company?
The median Altman Z-Score among Business Services companies is 2.97, based on 1,059 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. Francotyp-Postalia Holding AG's current Altman Z-Score of 1.64 is 44.8% 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 Francotyp-Postalia Holding AG and its competitors. For the Business Services industry, the median Altman Z-Score is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Francotyp-Postalia Holding AG's current Altman Z-Score is 1.64, which is near median its own 10-year median of 1.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Francotyp-Postalia Holding AG stock overvalued right now?
Francotyp-Postalia Holding AG (HAM:FPH) has a current Altman Z-Score of 1.64. The current Altman Z-Score is 1.64, which is near median its 10-year median of 1.50 and 44.8% below the Business Services industry median of 2.97. Francotyp-Postalia Holding AG's overall GF Score™ is 29/100 with 2 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 Francotyp-Postalia Holding AG (HAM:FPH), the current Altman Z-Score is 1.64 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.
Francotyp-Postalia Holding AG Business Description
Francotyp-Postalia Holding AG is a company dealing with mail communication. Its business activities focus on traditional product business, which consists of the development, manufacture, and distribution of franking systems, as well as inserting machines and after-sale business. The company divided its business activities into three business units which are Mailing, Shipping & Office Solutions, Digital Business Solutions and Mail Services. The company also comprises services such as the collection of business mail and software solutions.
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