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Luxor ASLTS:0F5M 52 Altman Z-Score is 0.71 as of Aug. 13, 2026, which is 3% above its 10-year median of 0.69. GuruFocus rates LTS:0F5M with a GF Score™ of 52/100 and a GF Value™ of kr521.43. The stock has 7 warning signs investors should review. Among 47 Banks companies, Luxor AS ranks worse than 68.09% 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 0.71 is in distress zone. This implies bankruptcy possibility in the next two years.
Luxor AS has a Altman Z-Score of 0.71, 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 Luxor AS's Altman Z-Score or its related term are showing as below:
LTS:0F5M'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.26 Med: 0.69 Max: 1.31
Current: 0.71
During the past 13 years, Luxor AS's highest Altman Z-Score was 1.31. The lowest was 0.26. And the median was 0.69.
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.
Luxor AS Altman Z-Score Related Terms
Luxor AS Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Luxor AS'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.
LTS:0F5M vs RKT, FNMA, PFSI: Altman Z-Score Comparison
For the Mortgage Finance subindustry, Luxor AS'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.
Luxor AS Altman Z-Score vs Banks Industry
For the Banks industry and Financial Services sector, Luxor AS's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Luxor AS'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.
Luxor AS'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
*
-0.5496
+
1.4
*
0.2405
+
3.3
*
0.1043
+
0.6
*
0.9622
+
1.0
*
0.1162
=
0.71
* 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.
Luxor AS (LTS:0F5M) has a Altman Z-Score of 0.71 as of Aug. 13, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Luxor AS and its competitors. This is near median its historical median of 0.69. Over the past decade, Luxor AS's Altman Z-Score has ranged from 0.26 to 1.31. According to the industry distribution chart, Luxor AS ranks #32 out of 47 companies in the Banks industry, placing it in the top 68.1%.
Is Luxor AS's Altman Z-Score too high?
Luxor AS's current Altman Z-Score of 0.71 is near median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.31. The Banks industry median Altman Z-Score is 1.24. Luxor AS's value of 0.71 is 42.7% below this industry median. Based on the distribution chart, Luxor AS ranks #32 out of 47 companies in the Banks industry, which is below the industry midpoint. Overall, Luxor AS has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Luxor AS's Altman Z-Score compare to RKT and FNMA?
According to the Banks industry distribution chart, Luxor AS ranks #32 out of 47 companies for Altman Z-Score. This places Luxor AS in the lower half of its industry. The industry median Altman Z-Score is 1.24. Luxor AS's value of 0.71 is 42.7% below this benchmark. Historically, Luxor AS's own Altman Z-Score has ranged from 0.26 to 1.31 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.24, Luxor AS 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 Banks company?
The median Altman Z-Score among Banks companies is 1.24, based on 47 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. Luxor AS's current Altman Z-Score of 0.71 is 42.7% 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 Luxor AS and its competitors. For the Banks industry, the median Altman Z-Score is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Luxor AS's current Altman Z-Score is 0.71, which is near median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luxor AS stock overvalued right now?
Luxor AS (LTS:0F5M) has a current Altman Z-Score of 0.71. The stock's GF Value™ is kr521.43, compared to a current price of kr680.00 — trading 30.4% above its estimated fair value. The current Altman Z-Score is 0.71, which is near median its 10-year median of 0.69 and 42.7% below the Banks industry median of 1.24. Luxor AS's overall GF Score™ is 52/100 with 7 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 Luxor AS (LTS:0F5M), the current Altman Z-Score is 0.71 as of Aug. 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 Luxor AS (LTS:0F5M) Overvalued in 2026?
Based on GuruFocus' analysis, Luxor AS stock appears to be overvalued.
The current stock price of kr680.00 is trading 30.4% above its estimated GF Value™ of kr521.43.
Key valuation signals for LTS:0F5M:
Altman Z-Score: 0.71 (near median its 10-year median of 0.69)
GF Value™: kr521.43 vs. price of kr680.00 (30.4% above fair value)
Industry Position: 42.7% below the Banks median (#32 of 47)
No single metric tells the full story. See the LTS:0F5M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Luxor AS is an investment company. Its objective is to create the possible long-term return for shareholders through investment for equity and foreign capital within the defined risk framework. The company operates through four segments namely Mortgage deeds, Bonds, Shares and Investment properties. Its mortgage deed portfolio comprises of single family-houses, flats, cooperative housing, holiday houses, farms, and residential and business properties. The bond portfolio includes various corporate bonds. Its investment property portfolio consists of offices, shops, warehouses and production facilities.
52GF Score
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