EFT Solutions HoldingsHKSE:08062 +1.89%60 Altman Z-Score is 7.27 as of Jul. 08, 2026, which is 5% above its 10-year median of 6.94. GuruFocus rates HKSE:08062 with a GF Score™ of 60/100 and a GF Value™ of HK$0.20 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 2,759 Software companies, EFT Solutions Holdings ranks better than 82.02% 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 7.57 is strong.
EFT Solutions Holdings has a Altman Z-Score of 7.27, 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 EFT Solutions Holdings's Altman Z-Score or its related term are showing as below:
HKSE:08062'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.97 Med: 6.94 Max: 16.81
Current: 7.57
During the past 12 years, EFT Solutions Holdings's highest Altman Z-Score was 16.81. The lowest was 0.97. And the median was 6.94.
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.
Altman Z-Score does not apply to financial companies.
EFT Solutions Holdings Altman Z-Score Related Terms
EFT Solutions Holdings Altman Z-Score Historical Data
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The historical data trend for EFT Solutions Holdings's Altman Z-Score can be seen below:
* 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.
HKSE:08062 vs MSFT, ORCL, PLTR: Altman Z-Score Comparison
For the Software - Infrastructure subindustry, EFT Solutions 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.
EFT Solutions Holdings Altman Z-Score vs Software Industry
For the Software industry and Technology sector, EFT Solutions Holdings's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where EFT Solutions Holdings's Altman Z-Score falls into.
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.
EFT Solutions Holdings (HKSE:08062) has a Altman Z-Score of 7.27 as of Jul. 08, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on EFT Solutions Holdings and its competitors. This is near median its historical median of 6.94. Over the past decade, EFT Solutions Holdings' Altman Z-Score has ranged from 0.97 to 16.81. According to the industry distribution chart, EFT Solutions Holdings ranks #496 out of 2759 companies in the Software industry, placing it in the top 18%.
Is EFT Solutions Holdings' Altman Z-Score too high?
EFT Solutions Holdings' current Altman Z-Score of 7.27 is near median its 10-year median of 6.94. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 16.81. The Software industry median Altman Z-Score is 3.19. EFT Solutions Holdings' value of 7.27 is 127.9% above this industry median. Based on the distribution chart, EFT Solutions Holdings ranks #496 out of 2759 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, EFT Solutions Holdings has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EFT Solutions Holdings' Altman Z-Score compare to MSFT and ORCL?
According to the Software industry distribution chart, EFT Solutions Holdings ranks #496 out of 2759 companies for Altman Z-Score. This places EFT Solutions Holdings in the top 18% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 3.19. EFT Solutions Holdings' value of 7.27 is 127.9% above this benchmark. Historically, EFT Solutions Holdings' own Altman Z-Score has ranged from 0.97 to 16.81 over the past decade. While the company's 10-year median is 6.94 vs. the industry median of 3.19, EFT Solutions 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 Software company?
The median Altman Z-Score among Software companies is 3.19, based on 2,759 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. EFT Solutions Holdings's current Altman Z-Score of 7.27 is 127.9% 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 EFT Solutions Holdings and its competitors. For the Software industry, the median Altman Z-Score is 3.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFT Solutions Holdings's current Altman Z-Score is 7.27, which is near median its own 10-year median of 6.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFT Solutions Holdings stock overvalued right now?
Based on GuruFocus' analysis, EFT Solutions Holdings (HKSE:08062) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.20, compared to a current price of HK$0.27 — trading 35% above its estimated fair value. The current Altman Z-Score is 7.27, which is near median its 10-year median of 6.94 and 127.9% above the Software industry median of 3.19. EFT Solutions Holdings' overall GF Score™ is 60/100 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 EFT Solutions Holdings (HKSE:08062), the current Altman Z-Score is 7.27 as of Jul. 08, 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 EFT Solutions Holdings (HKSE:08062) Overvalued in 2026?
Based on GuruFocus' analysis, EFT Solutions Holdings stock appears to be overvalued.
The current stock price of HK$0.27 is trading 35% above its estimated GF Value™ of HK$0.20.
GuruFocus considers EFT Solutions Holdings to be Significantly Overvalued.
Key valuation signals for HKSE:08062:
Altman Z-Score: 7.27 (near median its 10-year median of 6.94)
GF Value™: HK$0.20 vs. price of HK$0.27 (35% above fair value)
Industry Position: 127.9% above the Software median (#496 of 2759)
No single metric tells the full story. See the HKSE:08062 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EFT Solutions Holdings Ltd is engaged in the sourcing of electronic fund transfer point-of-sale (EFT-POS) solution providers focusing on the sourcing of EFT-POS terminals and peripheral devices and the provision of EFT-POS system support services in Hong Kong. The segments of the company consist of Sales of hardware devices, System support, and software solution services. The majority of the revenue of the company is derived from the provision of system support, software solution services.
60GF Score
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