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UniCap Investment And FinanceKCKUW:UNICAP 30 Altman Z-Score is 1.88 as of Jul. 20, 2026, which is 276% above its 10-year median of 0.50. GuruFocus rates KUW:UNICAP with a GF Score™ of 30/100 and a GF Value™ of KWD0.27 (Fairly Valued). The stock has 5 warning signs investors should review. Among 78 Diversified Financial Services companies, UniCap Investment And FinanceKC ranks better than 50% 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 1.88 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.
UniCap Investment And FinanceKC has a Altman Z-Score of 1.88, indicating it is in Grey Zones. This implies that UniCap Investment And FinanceKC is in some kind of financial stress. If it is below 1.81, the company may face bankrupcy risk.
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 UniCap Investment And FinanceKC's Altman Z-Score or its related term are showing as below:
KUW:UNICAP'
s Altman Z-Score Range Over the Past 10 Years
Min: -0.45 Med: 0.5 Max: 2.07
Current: 1.88
During the past 13 years, UniCap Investment And FinanceKC's highest Altman Z-Score was 2.07. The lowest was -0.45. And the median was 0.50.
UniCap Investment And FinanceKC (KUW:UNICAP) 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.
UniCap Investment And FinanceKC Altman Z-Score Chart
KUW:UNICAP vs VOYA, FRHC: Altman Z-Score Comparison
For the Financial Conglomerates subindustry, UniCap Investment And FinanceKC'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.
UniCap Investment And FinanceKC Altman Z-Score vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, UniCap Investment And FinanceKC's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where UniCap Investment And FinanceKC's Altman Z-Score falls into.
UniCap Investment And FinanceKC 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.
UniCap Investment And FinanceKC (KUW:UNICAP) has a Altman Z-Score of 1.88 as of Jul. 20, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on UniCap Investment And FinanceKC and its competitors. This is 276% above median its historical median of 0.50. According to the industry distribution chart, UniCap Investment And FinanceKC ranks #39 out of 78 companies in the Diversified Financial Services industry, placing it in the top 50%.
Is UniCap Investment And FinanceKC's Altman Z-Score too high?
UniCap Investment And FinanceKC's current Altman Z-Score of 1.88 is 276% above median its 10-year median of 0.50. The Diversified Financial Services industry median Altman Z-Score is 1.76. UniCap Investment And FinanceKC's value of 1.88 is 7.1% above this industry median. Based on the distribution chart, UniCap Investment And FinanceKC ranks #39 out of 78 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, UniCap Investment And FinanceKC has a GF Score™ of 30/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UniCap Investment And FinanceKC's Altman Z-Score compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, UniCap Investment And FinanceKC ranks #39 out of 78 companies for Altman Z-Score. This puts UniCap Investment And FinanceKC in the upper half of its industry. The industry median Altman Z-Score is 1.76. UniCap Investment And FinanceKC's value of 1.88 is 7.1% above this benchmark. While the company's 10-year median is 0.50 vs. the industry median of 1.76, UniCap Investment And FinanceKC 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 Diversified Financial Services company?
The median Altman Z-Score among Diversified Financial Services companies is 1.76, based on 78 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. UniCap Investment And FinanceKC's current Altman Z-Score of 1.88 is 7.1% 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 UniCap Investment And FinanceKC and its competitors. For the Diversified Financial 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. UniCap Investment And FinanceKC's current Altman Z-Score is 1.88, which is 276% above median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCap Investment And FinanceKC stock overvalued right now?
Based on GuruFocus' analysis, UniCap Investment And FinanceKC (KUW:UNICAP) is currently considered Fairly Valued. The stock's GF Value™ is KWD0.27, compared to a current price of KWD0.30 — trading 10.4% above its estimated fair value. The current Altman Z-Score is 1.88, which is 276% above median its 10-year median of 0.50 and 7.1% above the Diversified Financial Services industry median of 1.76. UniCap Investment And FinanceKC's overall GF Score™ is 30/100 with 5 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 UniCap Investment And FinanceKC (KUW:UNICAP), the current Altman Z-Score is 1.88 as of Jul. 20, 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 UniCap Investment And FinanceKC (KUW:UNICAP) Overvalued in 2026?
Based on GuruFocus' analysis, UniCap Investment And FinanceKC stock appears to be overvalued.
The current stock price of KWD0.30 is trading 10.4% above its estimated GF Value™ of KWD0.27.
GuruFocus considers UniCap Investment And FinanceKC to be Fairly Valued.
Key valuation signals for KUW:UNICAP:
Altman Z-Score: 1.88 (276% above median its 10-year median of 0.50)
GF Value™: KWD0.27 vs. price of KWD0.30 (10.4% above fair value)
Industry Position: 7.1% above the Diversified Financial Services median (#39 of 78)
No single metric tells the full story. See the KUW:UNICAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCap Investment And FinanceKC Business Description
UniCap Investment And Finance SAKC is an investment holding company. The company's operating segments include Financing; Investment; Real estate and Education. It derives maximum revenue from the Education segment. The Education segment includes operating and managing schools. Its Financing segment provides a range of commercial and personal loans to customers. The Real estate segment includes trading, development, and management of properties owned by the group. Its Investment segment includes managing direct investments and investments in subsidiaries and associates.
30GF Score
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