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 27.63 is strong.
Computer Age Management Services has a Altman Z-Score of 27.45, 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 Computer Age Management Services's Altman Z-Score or its related term are showing as below:
NSE:CAMS'
s Altman Z-Score Range Over the Past 10 Years
Min: 19.65 Med: 22.35 Max: 27.63
Current: 27.63
During the past 9 years, Computer Age Management Services's highest Altman Z-Score was 27.63. The lowest was 19.65. And the median was 22.35.
Computer Age Management Services (NSE:CAMS) 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.
Computer Age Management Services Altman Z-Score Chart
NSE:CAMS vs IBM, ACN, FISV: Altman Z-Score Comparison
For the Information Technology Services subindustry, Computer Age Management Services'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.
Computer Age Management Services Altman Z-Score vs Software Industry
For the Software industry and Technology sector, Computer Age Management Services's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Computer Age Management Services's Altman Z-Score falls into.
Computer Age Management Services 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.
Computer Age Management Services (NSE:CAMS) has a Altman Z-Score of 27.45 as of Jul. 01, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Computer Age Management Services and its competitors. This is 23% above median its historical median of 22.35. Over the past decade, Computer Age Management Services' Altman Z-Score has ranged from 19.65 to 27.63. According to the industry distribution chart, Computer Age Management Services ranks #90 out of 2763 companies in the Software industry, placing it in the top 3.3%.
Is Computer Age Management Services' Altman Z-Score too high?
Computer Age Management Services' current Altman Z-Score of 27.45 is 23% above median its 10-year median of 22.35. Over the past 10 years, this metric has ranged from a low of 19.65 to a high of 27.63. The Software industry median Altman Z-Score is 3.11. Computer Age Management Services' value of 27.45 is 782.6% above this industry median. Based on the distribution chart, Computer Age Management Services ranks #90 out of 2763 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Computer Age Management Services has a GF Score™ of 93/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Computer Age Management Services' Altman Z-Score compare to IBM and ACN?
According to the Software industry distribution chart, Computer Age Management Services ranks #90 out of 2763 companies for Altman Z-Score. This places Computer Age Management Services in the top 3% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 3.11. Computer Age Management Services' value of 27.45 is 782.6% above this benchmark. Historically, Computer Age Management Services' own Altman Z-Score has ranged from 19.65 to 27.63 over the past decade. While the company's 10-year median is 22.35 vs. the industry median of 3.11, Computer Age Management Services 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 Software company?
The median Altman Z-Score among Software companies is 3.11, based on 2,763 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. Computer Age Management Services's current Altman Z-Score of 27.45 is 782.6% 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 Computer Age Management Services and its competitors. For the Software industry, the median Altman Z-Score is 3.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Computer Age Management Services's current Altman Z-Score is 27.45, which is 23% above median its own 10-year median of 22.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Computer Age Management Services stock overvalued right now?
Based on GuruFocus' analysis, Computer Age Management Services (NSE:CAMS) is currently considered Fairly Valued. The stock's GF Value™ is ₹838.32, compared to a current price of ₹792.20 — trading 5.5% below its estimated fair value. The current Altman Z-Score is 27.45, which is 23% above median its 10-year median of 22.35 and 782.6% above the Software industry median of 3.11. Computer Age Management Services' overall GF Score™ is 93/100 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 Computer Age Management Services (NSE:CAMS), the current Altman Z-Score is 27.45 as of Jul. 01, 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 Computer Age Management Services (NSE:CAMS) Overvalued in 2026?
Based on GuruFocus' analysis, Computer Age Management Services stock appears to be undervalued.
The current stock price of ₹792.20 is trading 5.5% below its estimated GF Value™ of ₹838.32.
GuruFocus considers Computer Age Management Services to be Fairly Valued.
Key valuation signals for NSE:CAMS:
Altman Z-Score: 27.45 (23% above median its 10-year median of 22.35)
GF Value™: ₹838.32 vs. price of ₹792.20 (5.5% below fair value)
Industry Position: 782.6% above the Software median (#90 of 2763)
No single metric tells the full story. See the NSE:CAMS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Computer Age Management Services Business Description
Computer Age Management Services Ltd is a technology-driven financial infrastructure and services provider to mutual funds and other financial institutions. The Group is mainly engaged in providing registrar and transfer agency services, including data processing and related activities for financial institutions. It provides technology-enabled infrastructure to mutual funds and supports the entire account lifecycle, from account creation to transaction processing and redemption of investments. Its product, UPI Offline Plus, is designed for offline UPI payments, offering real-time merchant onboarding, bulk QR code activation, dynamic settlement updates, automated split settlements, and API-enabled transaction tracking.
93GF Score
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