Oswal Agro MillsNSE:OSWALAGRO -0.52%59 Altman Z-Score is 72.47 as of Jul. 04, 2026, which is 81% above its 10-year median of 40.01. GuruFocus rates NSE:OSWALAGRO with a GF Score™ of 59/100 and a GF Value™ of ₹21.73 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,729 Real Estate companies, Oswal Agro Mills ranks better than 99.31% 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 76.03 is strong.
Oswal Agro Mills has a Altman Z-Score of 72.47, 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 Oswal Agro Mills's Altman Z-Score or its related term are showing as below:
NSE:OSWALAGRO'
s Altman Z-Score Range Over the Past 10 Years
Min: 2.25 Med: 40.01 Max: 76.03
Current: 76.03
During the past 13 years, Oswal Agro Mills's highest Altman Z-Score was 76.03. The lowest was 2.25. And the median was 40.01.
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.
Oswal Agro Mills Altman Z-Score Related Terms
Oswal Agro Mills Altman Z-Score Historical Data
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The historical data trend for Oswal Agro Mills'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.
For the Real Estate - Development subindustry, Oswal Agro Mills'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.
Oswal Agro Mills Altman Z-Score vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Oswal Agro Mills's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Oswal Agro Mills'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.
Oswal Agro Mills'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
*
0.2532
+
1.4
*
0
+
3.3
*
0.0144
+
0.6
*
120.1614
+
1.0
*
0.0214
=
72.47
* 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.
Oswal Agro Mills (NSE:OSWALAGRO) has a Altman Z-Score of 72.47 as of Jul. 04, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Oswal Agro Mills and its competitors. This is 81% above median its historical median of 40.01. Over the past decade, Oswal Agro Mills' Altman Z-Score has ranged from 2.25 to 76.03. According to the industry distribution chart, Oswal Agro Mills ranks #12 out of 1729 companies in the Real Estate industry, placing it in the top 0.7%.
Is Oswal Agro Mills' Altman Z-Score too high?
Oswal Agro Mills' current Altman Z-Score of 72.47 is 81% above median its 10-year median of 40.01. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 76.03. The Real Estate industry median Altman Z-Score is 1.30. Oswal Agro Mills' value of 72.47 is 5474.6% above this industry median. Based on the distribution chart, Oswal Agro Mills ranks #12 out of 1729 companies in the Real Estate industry, which is in the top quartile — a strong position relative to peers. Overall, Oswal Agro Mills has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oswal Agro Mills' Altman Z-Score compare to competitors?
According to the Real Estate industry distribution chart, Oswal Agro Mills ranks #12 out of 1729 companies for Altman Z-Score. This places Oswal Agro Mills in the top 1% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.30. Oswal Agro Mills' value of 72.47 is 5474.6% above this benchmark. Historically, Oswal Agro Mills' own Altman Z-Score has ranged from 2.25 to 76.03 over the past decade. While the company's 10-year median is 40.01 vs. the industry median of 1.30, Oswal Agro Mills 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 Real Estate company?
The median Altman Z-Score among Real Estate companies is 1.30, based on 1,729 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. Oswal Agro Mills's current Altman Z-Score of 72.47 is 5474.6% 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 Oswal Agro Mills and its competitors. For the Real Estate industry, the median Altman Z-Score is 1.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oswal Agro Mills's current Altman Z-Score is 72.47, which is 81% above median its own 10-year median of 40.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oswal Agro Mills stock overvalued right now?
Based on GuruFocus' analysis, Oswal Agro Mills (NSE:OSWALAGRO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹21.73, compared to a current price of ₹41.71 — trading 91.9% above its estimated fair value. The current Altman Z-Score is 72.47, which is 81% above median its 10-year median of 40.01 and 5474.6% above the Real Estate industry median of 1.30. Oswal Agro Mills' overall GF Score™ is 59/100 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 Oswal Agro Mills (NSE:OSWALAGRO), the current Altman Z-Score is 72.47 as of Jul. 04, 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 Oswal Agro Mills (NSE:OSWALAGRO) Overvalued in 2026?
Based on GuruFocus' analysis, Oswal Agro Mills stock appears to be overvalued.
The current stock price of ₹41.71 is trading 91.9% above its estimated GF Value™ of ₹21.73.
GuruFocus considers Oswal Agro Mills to be Significantly Overvalued.
Key valuation signals for NSE:OSWALAGRO:
Altman Z-Score: 72.47 (81% above median its 10-year median of 40.01)
GF Value™: ₹21.73 vs. price of ₹41.71 (91.9% above fair value)
Industry Position: 5474.6% above the Real Estate median (#12 of 1729)
No single metric tells the full story. See the NSE:OSWALAGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oswal Agro Mills Ltd is engaged in investment activities. The company is also engaged in operating in the real estate business. The company has three reportable segments Trading, the Real Estate segment and the Investment segment. The Trading segment comprises of trading of goods. The real estate segment comprises of activities related to the development of real estate assets. The investment segment comprises extending in the form of intercorporate deposits of the surplus funds, investment in equity instruments, and other securities. The principal source of its revenues from Investment segment.
59GF Score
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