Lotus Bakeries NVLOTBY 100 Altman Z-Score is 9.39 as of Jun. 28, 2026, which is 32% above its 10-year median of 7.14. GuruFocus rates LOTBY with a GF Score™ of 100/100 and a GF Value™ of $109.83. The stock has 5 warning signs investors should review. Among 1,933 Consumer Packaged Goods companies, Lotus Bakeries NV ranks better than 91.83% 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 10.64 is strong.
Lotus Bakeries NV has a Altman Z-Score of 9.39, 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 Lotus Bakeries NV's Altman Z-Score or its related term are showing as below:
LOTBY'
s Altman Z-Score Range Over the Past 10 Years
Min: 4.78 Med: 7.14 Max: 10.97
Current: 10.64
During the past 13 years, Lotus Bakeries NV's highest Altman Z-Score was 10.97. The lowest was 4.78. And the median was 7.14.
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.
Lotus Bakeries NV Altman Z-Score Related Terms
Lotus Bakeries NV Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Lotus Bakeries NV'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.
For the Packaged Foods subindustry, Lotus Bakeries NV'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.
Lotus Bakeries NV Altman Z-Score vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, Lotus Bakeries NV's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Lotus Bakeries NV'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.
Lotus Bakeries NV's Altman Z-Score for today is calculated with this formula:
Z
=
1.2
*
X1
+
1.4
*
X2
+
3.3
*
X3
+
0.6
*
X4
+
1.0
*
X5
=
1.2
*
0.1072
+
1.4
*
0.6019
+
3.3
*
0.1487
+
0.6
*
11.7411
+
1.0
*
0.8819
=
9.39
* 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.
Lotus Bakeries NV (LOTBY) has a Altman Z-Score of 9.39 as of Jun. 28, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Lotus Bakeries NV and its competitors. This is 32% above median its historical median of 7.14. Over the past decade, Lotus Bakeries NV's Altman Z-Score has ranged from 4.78 to 10.97. According to the industry distribution chart, Lotus Bakeries NV ranks #158 out of 1933 companies in the Consumer Packaged Goods industry, placing it in the top 8.2%.
Is Lotus Bakeries NV's Altman Z-Score too high?
Lotus Bakeries NV's current Altman Z-Score of 9.39 is 32% above median its 10-year median of 7.14. Over the past 10 years, this metric has ranged from a low of 4.78 to a high of 10.97. The Consumer Packaged Goods industry median Altman Z-Score is 2.84. Lotus Bakeries NV's value of 9.39 is 230.6% above this industry median. Based on the distribution chart, Lotus Bakeries NV ranks #158 out of 1933 companies in the Consumer Packaged Goods industry, which is in the top quartile — a strong position relative to peers. Overall, Lotus Bakeries NV has a GF Score™ of 100/100, reflecting its overall financial health beyond just this single metric.
How does Lotus Bakeries NV's Altman Z-Score compare to KHC and GIS?
According to the Consumer Packaged Goods industry distribution chart, Lotus Bakeries NV ranks #158 out of 1933 companies for Altman Z-Score. This places Lotus Bakeries NV in the top 8% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.84. Lotus Bakeries NV's value of 9.39 is 230.6% above this benchmark. Historically, Lotus Bakeries NV's own Altman Z-Score has ranged from 4.78 to 10.97 over the past decade. While the company's 10-year median is 7.14 vs. the industry median of 2.84, Lotus Bakeries NV 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 Consumer Packaged Goods company?
The median Altman Z-Score among Consumer Packaged Goods companies is 2.84, based on 1,933 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. Lotus Bakeries NV's current Altman Z-Score of 9.39 is 230.6% 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 Lotus Bakeries NV and its competitors. For the Consumer Packaged Goods industry, the median Altman Z-Score is 2.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lotus Bakeries NV's current Altman Z-Score is 9.39, which is 32% above median its own 10-year median of 7.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lotus Bakeries NV stock overvalued right now?
Lotus Bakeries NV (LOTBY) has a current Altman Z-Score of 9.39. The stock's GF Value™ is $109.83, compared to a current price of $114.50 — trading 4.3% above its estimated fair value. The current Altman Z-Score is 9.39, which is 32% above median its 10-year median of 7.14 and 230.6% above the Consumer Packaged Goods industry median of 2.84. Lotus Bakeries NV's overall GF Score™ is 100/100 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 Lotus Bakeries NV (LOTBY), the current Altman Z-Score is 9.39 as of Jun. 28, 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 Lotus Bakeries NV (LOTBY) Overvalued in 2026?
Based on GuruFocus' analysis, Lotus Bakeries NV stock appears to be overvalued.
The current stock price of $114.50 is trading 4.3% above its estimated GF Value™ of $109.83.
Key valuation signals for LOTBY:
Altman Z-Score: 9.39 (32% above median its 10-year median of 7.14)
GF Value™: $109.83 vs. price of $114.50 (4.3% above fair value)
Industry Position: 230.6% above the Consumer Packaged Goods median (#158 of 1933)
No single metric tells the full story. See the LOTBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lotus Bakeries NV is active in the indulgent and better-for-you snacking segment and is engaged in the manufacture and sale of biscuits, waffles, cakes, and other snack products. The Group offers multiple products, including caramelized biscuits, waffles and galettes, cake specialties, gingerbread, and other biscuits, and distributes its products through retail, catering, and food service channels. Its brands include Biscoff, Nakd, TREK, BEAR, Kiddylicious, Lotus Dinosaurus, Peijnenburg, Snelle Jelle, Annas, and Peter's Yard. Its activities are organised under three strategic pillars, namely Lotus Biscoff, Lotus Natural Foods, and Lotus Local Heroes. The company operates in Continental Europe, which generates maximum revenue, as well as in the UK, the Americas, and the rest of the world.
100GF Score
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