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My Mudra FincorpNSE:MYMUDRA +11.11%21 Altman Z-Score is 5.72 as of Jul. 22, 2026, which is 12% below its 10-year median of 6.47. GuruFocus rates NSE:MYMUDRA with a GF Score™ of 21/100. The stock has 3 warning signs investors should review. Among 1,061 Business Services companies, My Mudra Fincorp ranks better than 75.97% 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 5.38 is strong.
My Mudra Fincorp has a Altman Z-Score of 5.72, 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 My Mudra Fincorp's Altman Z-Score or its related term are showing as below:
NSE:MYMUDRA'
s Altman Z-Score Range Over the Past 10 Years
Min: 5.38 Med: 6.47 Max: 7.48
Current: 5.38
During the past 5 years, My Mudra Fincorp's highest Altman Z-Score was 7.48. The lowest was 5.38. And the median was 6.47.
My Mudra Fincorp (NSE:MYMUDRA) 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.
My Mudra Fincorp Altman Z-Score Related Terms
My Mudra Fincorp Altman Z-Score Historical Data
* Premium members only.
The historical data trend for My Mudra Fincorp'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.
My Mudra Fincorp Altman Z-Score Chart
My Mudra Fincorp Annual Data
Trend
Mar22
Mar23
Mar24
Mar25
Mar26
Altman Z-Score
0.00
0.00
0.00
7.48
5.45
My Mudra Fincorp Semi-Annual Data
Mar22
Mar23
Mar24
Mar25
Mar26
Altman Z-Score
0.00
0.00
0.00
7.48
5.45
NSE:MYMUDRA vs CTAS, CPRT, ULS: Altman Z-Score Comparison
For the Specialty Business Services subindustry, My Mudra Fincorp'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.
My Mudra Fincorp Altman Z-Score vs Business Services Industry
For the Business Services industry and Industrials sector, My Mudra Fincorp's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where My Mudra Fincorp'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.
My Mudra Fincorp'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
*
0.5069
+
1.4
*
0
+
3.3
*
0.2093
+
0.6
*
5.021
+
1.0
*
1.4042
=
5.72
* 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.
My Mudra Fincorp (NSE:MYMUDRA) has a Altman Z-Score of 5.72 as of Jul. 22, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on My Mudra Fincorp and its competitors. This is 12% below median its historical median of 6.47. Over the past decade, My Mudra Fincorp's Altman Z-Score has ranged from 5.38 to 7.48. According to the industry distribution chart, My Mudra Fincorp ranks #255 out of 1061 companies in the Business Services industry, placing it in the top 24%.
Is My Mudra Fincorp's Altman Z-Score too high?
My Mudra Fincorp's current Altman Z-Score of 5.72 is 12% below median its 10-year median of 6.47. Over the past 10 years, this metric has ranged from a low of 5.38 to a high of 7.48. The Business Services industry median Altman Z-Score is 2.98. My Mudra Fincorp's value of 5.72 is 91.9% above this industry median. Based on the distribution chart, My Mudra Fincorp ranks #255 out of 1061 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, My Mudra Fincorp has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does My Mudra Fincorp's Altman Z-Score compare to CTAS and CPRT?
According to the Business Services industry distribution chart, My Mudra Fincorp ranks #255 out of 1061 companies for Altman Z-Score. This places My Mudra Fincorp in the top 24% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.98. My Mudra Fincorp's value of 5.72 is 91.9% above this benchmark. Historically, My Mudra Fincorp's own Altman Z-Score has ranged from 5.38 to 7.48 over the past decade. While the company's 10-year median is 6.47 vs. the industry median of 2.98, My Mudra Fincorp 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 Business Services company?
The median Altman Z-Score among Business Services companies is 2.98, based on 1,061 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. My Mudra Fincorp's current Altman Z-Score of 5.72 is 91.9% 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 My Mudra Fincorp and its competitors. For the Business Services industry, the median Altman Z-Score is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. My Mudra Fincorp's current Altman Z-Score is 5.72, which is 12% below median its own 10-year median of 6.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is My Mudra Fincorp stock overvalued right now?
My Mudra Fincorp (NSE:MYMUDRA) has a current Altman Z-Score of 5.72. The current Altman Z-Score is 5.72, which is 12% below median its 10-year median of 6.47 and 91.9% above the Business Services industry median of 2.98. My Mudra Fincorp's overall GF Score™ is 21/100 with 3 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 My Mudra Fincorp (NSE:MYMUDRA), the current Altman Z-Score is 5.72 as of Jul. 22, 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.
My Mudra Fincorp Ltd functions as a Channel Partner (DSA) for Banks and NBFCs operating in India. Its business model integrates tele-calling, advertising, direct marketing, referrals, networking, and a combined physical and digital (physital) marketing approach to acquire customers for the banks and NBFC's. The company provides its customers with the ability to research and compare a wide range of lending and insurance products offered by its lending and insurer partners, enhancing choice and transparency.
21GF Score
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