Lloyds LuxuriesNSE:LLOYDS -4.91%74 Altman Z-Score is 10.71 as of Jun. 29, 2026, which is 17% below its 10-year median of 12.93. GuruFocus rates NSE:LLOYDS with a GF Score™ of 74/100 and a GF Value™ of ₹148.54 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 96 Personal Services companies, Lloyds Luxuries ranks better than 95.83% 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 10.71 is strong.
Lloyds Luxuries has a Altman Z-Score of 10.71, 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 Lloyds Luxuries's Altman Z-Score or its related term are showing as below:
NSE:LLOYDS'
s Altman Z-Score Range Over the Past 10 Years
Min: -0.53 Med: 12.93 Max: 18.63
Current: 10.71
During the past 7 years, Lloyds Luxuries's highest Altman Z-Score was 18.63. The lowest was -0.53. And the median was 12.93.
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.
Lloyds Luxuries Altman Z-Score Related Terms
Lloyds Luxuries Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Lloyds Luxuries'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:LLOYDS vs ROL, SCI, FTDR: Altman Z-Score Comparison
For the Personal Services subindustry, Lloyds Luxuries'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.
Lloyds Luxuries Altman Z-Score vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Lloyds Luxuries's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Lloyds Luxuries'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.
Lloyds Luxuries'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
*
0.0959
+
1.4
*
0
+
3.3
*
-0.8271
+
0.6
*
19.817
+
1.0
*
1.4328
=
10.71
* 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.
Lloyds Luxuries (NSE:LLOYDS) has a Altman Z-Score of 10.71 as of Jun. 29, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Lloyds Luxuries and its competitors. This is 17% below median its historical median of 12.93. According to the industry distribution chart, Lloyds Luxuries ranks #4 out of 96 companies in the Personal Services industry, placing it in the top 4.2%.
Is Lloyds Luxuries' Altman Z-Score too high?
Lloyds Luxuries' current Altman Z-Score of 10.71 is 17% below median its 10-year median of 12.93. The Personal Services industry median Altman Z-Score is 1.97. Lloyds Luxuries' value of 10.71 is 443.7% above this industry median. Based on the distribution chart, Lloyds Luxuries ranks #4 out of 96 companies in the Personal Services industry, which is in the top quartile — a strong position relative to peers. Overall, Lloyds Luxuries has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lloyds Luxuries' Altman Z-Score compare to ROL and SCI?
According to the Personal Services industry distribution chart, Lloyds Luxuries ranks #4 out of 96 companies for Altman Z-Score. This places Lloyds Luxuries in the top 4% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.97. Lloyds Luxuries' value of 10.71 is 443.7% above this benchmark. While the company's 10-year median is 12.93 vs. the industry median of 1.97, Lloyds Luxuries 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 Personal Services company?
The median Altman Z-Score among Personal Services companies is 1.97, based on 96 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. Lloyds Luxuries's current Altman Z-Score of 10.71 is 443.7% 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 Lloyds Luxuries and its competitors. For the Personal Services industry, the median Altman Z-Score is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lloyds Luxuries's current Altman Z-Score is 10.71, which is 17% below median its own 10-year median of 12.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lloyds Luxuries stock overvalued right now?
Based on GuruFocus' analysis, Lloyds Luxuries (NSE:LLOYDS) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹148.54, compared to a current price of ₹72.55 — trading 51.2% below its estimated fair value. The current Altman Z-Score is 10.71, which is 17% below median its 10-year median of 12.93 and 443.7% above the Personal Services industry median of 1.97. Lloyds Luxuries' overall GF Score™ is 74/100 with 2 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 Lloyds Luxuries (NSE:LLOYDS), the current Altman Z-Score is 10.71 as of Jun. 29, 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 Lloyds Luxuries (NSE:LLOYDS) Overvalued in 2026?
Based on GuruFocus' analysis, Lloyds Luxuries stock appears to be undervalued.
The current stock price of ₹72.55 is trading 51.2% below its estimated GF Value™ of ₹148.54.
GuruFocus considers Lloyds Luxuries to be Significantly Undervalued.
Key valuation signals for NSE:LLOYDS:
Altman Z-Score: 10.71 (17% below median its 10-year median of 12.93)
GF Value™: ₹148.54 vs. price of ₹72.55 (51.2% below fair value)
Industry Position: 443.7% above the Personal Services median (#4 of 96)
No single metric tells the full story. See the NSE:LLOYDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lloyds Luxuries Ltd is an organized player of salon services and beauty products in India, focused on sale & services of men's and women's groom care products. The company owns an exclusive franchisee of Truefitt & Hill, which is an international brand offering a wide range of beauty products and salon services for men through luxury barbershops operating across many countries.
74GF Score
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