PT Fuji Finance Indonesia TbkISX:FUJI -1.96%71 Altman Z-Score is 34.81 as of Jul. 13, 2026, which is 52% below its 10-year median of 72.80. GuruFocus rates ISX:FUJI with a GF Score™ of 71/100 and a GF Value™ of Rp361.78 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 410 Credit Services companies, PT Fuji Finance Indonesia Tbk ranks better than 92.93% 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 34.81 is strong.
PT Fuji Finance Indonesia Tbk has a Altman Z-Score of 34.81, 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 PT Fuji Finance Indonesia Tbk's Altman Z-Score or its related term are showing as below:
ISX:FUJI'
s Altman Z-Score Range Over the Past 10 Years
Min: 26.53 Med: 72.8 Max: 242.1
Current: 34.81
During the past 9 years, PT Fuji Finance Indonesia Tbk's highest Altman Z-Score was 242.10. The lowest was 26.53. And the median was 72.80.
PT Fuji Finance Indonesia Tbk (ISX:FUJI) 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.
PT Fuji Finance Indonesia Tbk Altman Z-Score Chart
For the Credit Services subindustry, PT Fuji Finance Indonesia Tbk'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.
PT Fuji Finance Indonesia Tbk Altman Z-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Fuji Finance Indonesia Tbk's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where PT Fuji Finance Indonesia Tbk's Altman Z-Score falls into.
PT Fuji Finance Indonesia Tbk 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.
PT Fuji Finance Indonesia Tbk (ISX:FUJI) has a Altman Z-Score of 34.81 as of Jul. 13, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on PT Fuji Finance Indonesia Tbk and its competitors. This is 52% below median its historical median of 72.80. Over the past decade, PT Fuji Finance Indonesia Tbk's Altman Z-Score has ranged from 26.53 to 242.10. According to the industry distribution chart, PT Fuji Finance Indonesia Tbk ranks #29 out of 410 companies in the Credit Services industry, placing it in the top 7.1%.
Is PT Fuji Finance Indonesia Tbk's Altman Z-Score too high?
PT Fuji Finance Indonesia Tbk's current Altman Z-Score of 34.81 is 52% below median its 10-year median of 72.80. Over the past 10 years, this metric has ranged from a low of 26.53 to a high of 242.10. The Credit Services industry median Altman Z-Score is 1.76. PT Fuji Finance Indonesia Tbk's value of 34.81 is 1883.5% above this industry median. Based on the distribution chart, PT Fuji Finance Indonesia Tbk ranks #29 out of 410 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT Fuji Finance Indonesia Tbk has a GF Score™ of 71/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Fuji Finance Indonesia Tbk's Altman Z-Score compare to V and MA?
According to the Credit Services industry distribution chart, PT Fuji Finance Indonesia Tbk ranks #29 out of 410 companies for Altman Z-Score. This places PT Fuji Finance Indonesia Tbk in the top 7% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.76. PT Fuji Finance Indonesia Tbk's value of 34.81 is 1883.5% above this benchmark. Historically, PT Fuji Finance Indonesia Tbk's own Altman Z-Score has ranged from 26.53 to 242.10 over the past decade. While the company's 10-year median is 72.80 vs. the industry median of 1.76, PT Fuji Finance Indonesia Tbk 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 Credit Services company?
The median Altman Z-Score among Credit Services companies is 1.76, based on 410 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. PT Fuji Finance Indonesia Tbk's current Altman Z-Score of 34.81 is 1883.5% 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 PT Fuji Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Altman Z-Score is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Fuji Finance Indonesia Tbk's current Altman Z-Score is 34.81, which is 52% below median its own 10-year median of 72.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Fuji Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Fuji Finance Indonesia Tbk (ISX:FUJI) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp361.78, compared to a current price of Rp200.00 — trading 44.7% below its estimated fair value. The current Altman Z-Score is 34.81, which is 52% below median its 10-year median of 72.80 and 1883.5% above the Credit Services industry median of 1.76. PT Fuji Finance Indonesia Tbk's overall GF Score™ is 71/100 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 PT Fuji Finance Indonesia Tbk (ISX:FUJI), the current Altman Z-Score is 34.81 as of Jul. 13, 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 PT Fuji Finance Indonesia Tbk (ISX:FUJI) Overvalued in 2026?
Based on GuruFocus' analysis, PT Fuji Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp200.00 is trading 44.7% below its estimated GF Value™ of Rp361.78.
GuruFocus considers PT Fuji Finance Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:FUJI:
Altman Z-Score: 34.81 (52% below median its 10-year median of 72.80)
GF Value™: Rp361.78 vs. price of Rp200.00 (44.7% below fair value)
Industry Position: 1883.5% above the Credit Services median (#29 of 410)
No single metric tells the full story. See the ISX:FUJI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Fuji Finance Indonesia Tbk Business Description
PT Fuji Finance Indonesia Tbk is a multi-finance leasing company in Indonesia. It provides financing for investments, working capital, project financing, corporate financing, and others. It has one operating segment: Financing income. The Company's revenue consists of financing interest income and administration revenue related to financing.
71GF Score
Get the complete analysis for ISX:FUJI
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
ISX:FUJI has been successfully added to your 
