5paisa CapitalNSE:5PAISA -1.81%69 Altman Z-Score is 2.17 as of Jul. 07, 2026, which is 113% above its 10-year median of 1.02. GuruFocus rates NSE:5PAISA with a GF Score™ of 69/100 and a GF Value™ of ₹325.68 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 661 Capital Markets companies, 5paisa Capital ranks worse than 54.61% 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 2.19 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.
5paisa Capital has a Altman Z-Score of 2.17, indicating it is in Grey Zones. This implies that 5paisa Capital 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 5paisa Capital's Altman Z-Score or its related term are showing as below:
NSE:5PAISA'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.44 Med: 1.02 Max: 2.74
Current: 2.19
During the past 13 years, 5paisa Capital's highest Altman Z-Score was 2.74. The lowest was 0.44. And the median was 1.02.
5paisa Capital (NSE:5PAISA) 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.
Altman Z-Score does not apply to financial companies.
5paisa Capital Altman Z-Score Related Terms
5paisa Capital Altman Z-Score Historical Data
* Premium members only.
The historical data trend for 5paisa Capital'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.
NSE:5PAISA vs MS, GS, SCHW: Altman Z-Score Comparison
For the Capital Markets subindustry, 5paisa Capital'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.
5paisa Capital Altman Z-Score vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, 5paisa Capital's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where 5paisa Capital'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.
5paisa Capital'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
*
0.8907
+
1.4
*
0
+
3.3
*
0.0481
+
0.6
*
1.4182
+
1.0
*
0.0949
=
2.17
* 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.
5paisa Capital (NSE:5PAISA) has a Altman Z-Score of 2.17 as of Jul. 07, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on 5paisa Capital and its competitors. This is 113% above median its historical median of 1.02. Over the past decade, 5paisa Capital's Altman Z-Score has ranged from 0.44 to 2.74. According to the industry distribution chart, 5paisa Capital ranks #361 out of 661 companies in the Capital Markets industry, placing it in the top 54.6%.
Is 5paisa Capital's Altman Z-Score too high?
5paisa Capital's current Altman Z-Score of 2.17 is 113% above median its 10-year median of 1.02. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 2.74. The Capital Markets industry median Altman Z-Score is 2.62. 5paisa Capital's value of 2.17 is 17.2% below this industry median. Based on the distribution chart, 5paisa Capital ranks #361 out of 661 companies in the Capital Markets industry, which is below the industry midpoint. Overall, 5paisa Capital has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does 5paisa Capital's Altman Z-Score compare to MS and GS?
According to the Capital Markets industry distribution chart, 5paisa Capital ranks #361 out of 661 companies for Altman Z-Score. This places 5paisa Capital in the lower half of its industry. The industry median Altman Z-Score is 2.62. 5paisa Capital's value of 2.17 is 17.2% below this benchmark. Historically, 5paisa Capital's own Altman Z-Score has ranged from 0.44 to 2.74 over the past decade. While the company's 10-year median is 1.02 vs. the industry median of 2.62, 5paisa Capital 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 Capital Markets company?
The median Altman Z-Score among Capital Markets companies is 2.62, based on 661 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. 5paisa Capital's current Altman Z-Score of 2.17 is 17.2% 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 5paisa Capital and its competitors. For the Capital Markets industry, the median Altman Z-Score is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 5paisa Capital's current Altman Z-Score is 2.17, which is 113% above median its own 10-year median of 1.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 5paisa Capital stock overvalued right now?
Based on GuruFocus' analysis, 5paisa Capital (NSE:5PAISA) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹325.68, compared to a current price of ₹380.65 — trading 16.9% above its estimated fair value. The current Altman Z-Score is 2.17, which is 113% above median its 10-year median of 1.02 and 17.2% below the Capital Markets industry median of 2.62. 5paisa Capital's overall GF Score™ is 69/100 with 10 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 5paisa Capital (NSE:5PAISA), the current Altman Z-Score is 2.17 as of Jul. 07, 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 5paisa Capital (NSE:5PAISA) Overvalued in 2026?
Based on GuruFocus' analysis, 5paisa Capital stock appears to be overvalued.
The current stock price of ₹380.65 is trading 16.9% above its estimated GF Value™ of ₹325.68.
GuruFocus considers 5paisa Capital to be Modestly Overvalued.
Key valuation signals for NSE:5PAISA:
Altman Z-Score: 2.17 (113% above median its 10-year median of 1.02)
GF Value™: ₹325.68 vs. price of ₹380.65 (16.9% above fair value)
Industry Position: 17.2% below the Capital Markets median (#361 of 661)
No single metric tells the full story. See the NSE:5PAISA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
5paisa Capital Ltd is an online financial services provider. The company provides its customers with a wide range of financial services, including stock broking services, depository services, distribution of mutual funds, bonds, and debentures, and equity and mutual fund research through its technology-based platforms. Its business is to provide broking services to its clients in India's capital markets. The company has launched peer-to-peer lending (P2P) via its website 5paisaloans.com and mobile app, 5Paisa Loans. P2P is aimed at offering investors yet another investment option to diversify their portfolios and secure higher returns.
69GF Score
Get the complete analysis for NSE:5PAISA
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
NSE:5PAISA has been successfully added to your 
