Silgo RetailNSE:SILGO -0.86%53 Altman Z-Score is 27.85 as of Jul. 09, 2026, which is 905% above its 10-year median of 2.77. GuruFocus rates NSE:SILGO with a GF Score™ of 53/100 and a GF Value™ of ₹28.72 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,111 Retail - Cyclical companies, Silgo Retail ranks better than 98.02% 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 28.26 is strong.
Silgo Retail has a Altman Z-Score of 27.85, 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 Silgo Retail's Altman Z-Score or its related term are showing as below:
NSE:SILGO'
s Altman Z-Score Range Over the Past 10 Years
Min: 2.1 Med: 2.77 Max: 28.26
Current: 28.26
During the past 10 years, Silgo Retail's highest Altman Z-Score was 28.26. The lowest was 2.10. And the median was 2.77.
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.
Silgo Retail Altman Z-Score Related Terms
Silgo Retail Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Silgo Retail'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 Luxury Goods subindustry, Silgo Retail'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.
Silgo Retail Altman Z-Score vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Silgo Retail's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Silgo Retail'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.
Silgo Retail'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
*
0.9596
+
1.4
*
0
+
3.3
*
0.0634
+
0.6
*
43.4431
+
1.0
*
0.4194
=
27.85
* 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.
Silgo Retail (NSE:SILGO) has a Altman Z-Score of 27.85 as of Jul. 09, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Silgo Retail and its competitors. This is 905% above median its historical median of 2.77. Over the past decade, Silgo Retail's Altman Z-Score has ranged from 2.10 to 28.26. According to the industry distribution chart, Silgo Retail ranks #22 out of 1111 companies in the Retail - Cyclical industry, placing it in the top 2%.
Is Silgo Retail's Altman Z-Score too high?
Silgo Retail's current Altman Z-Score of 27.85 is 905% above median its 10-year median of 2.77. Over the past 10 years, this metric has ranged from a low of 2.10 to a high of 28.26. The Retail - Cyclical industry median Altman Z-Score is 2.74. Silgo Retail's value of 27.85 is 916.4% above this industry median. Based on the distribution chart, Silgo Retail ranks #22 out of 1111 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Silgo Retail has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Silgo Retail's Altman Z-Score compare to TPR?
According to the Retail - Cyclical industry distribution chart, Silgo Retail ranks #22 out of 1111 companies for Altman Z-Score. This places Silgo Retail in the top 2% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.74. Silgo Retail's value of 27.85 is 916.4% above this benchmark. Historically, Silgo Retail's own Altman Z-Score has ranged from 2.10 to 28.26 over the past decade. While the company's 10-year median is 2.77 vs. the industry median of 2.74, Silgo Retail 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 Retail - Cyclical company?
The median Altman Z-Score among Retail - Cyclical companies is 2.74, based on 1,111 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. Silgo Retail's current Altman Z-Score of 27.85 is 916.4% 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 Silgo Retail and its competitors. For the Retail - Cyclical industry, the median Altman Z-Score is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Silgo Retail's current Altman Z-Score is 27.85, which is 905% above median its own 10-year median of 2.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Silgo Retail stock overvalued right now?
Based on GuruFocus' analysis, Silgo Retail (NSE:SILGO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹28.72, compared to a current price of ₹74.93 — trading 160.9% above its estimated fair value. The current Altman Z-Score is 27.85, which is 905% above median its 10-year median of 2.77 and 916.4% above the Retail - Cyclical industry median of 2.74. Silgo Retail's overall GF Score™ is 53/100 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 Silgo Retail (NSE:SILGO), the current Altman Z-Score is 27.85 as of Jul. 09, 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 Silgo Retail (NSE:SILGO) Overvalued in 2026?
Based on GuruFocus' analysis, Silgo Retail stock appears to be overvalued.
The current stock price of ₹74.93 is trading 160.9% above its estimated GF Value™ of ₹28.72.
GuruFocus considers Silgo Retail to be Significantly Overvalued.
Key valuation signals for NSE:SILGO:
Altman Z-Score: 27.85 (905% above median its 10-year median of 2.77)
GF Value™: ₹28.72 vs. price of ₹74.93 (160.9% above fair value)
Industry Position: 916.4% above the Retail - Cyclical median (#22 of 1111)
No single metric tells the full story. See the NSE:SILGO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Silgo Retail Ltd is an Indian company specializing in the trade, manufacturing, and selling of silver jewelry and precious stones. The company's product portfolio includes a wide variety of hallmarked silver jewelry, ensuring quality and authenticity. Its offerings encompass various items such as rings, earrings, pendants, bracelets, necklaces, and bangles. With a focus on craftsmanship and certified products, Silgo Retail Ltd aims to cater to domestic and international markets, positioning itself as a key player in silver jewelry.
53GF Score
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