UTI Asset Management CoNSE:UTIAMC +0.88%79 Altman Z-Score is 15.78 as of Jul. 01, 2026, which is 14% below its 10-year median of 18.43. GuruFocus rates NSE:UTIAMC with a GF Score™ of 79/100 and a GF Value™ of ₹1,223.51 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 645 Asset Management companies, UTI Asset Management Co ranks better than 81.55% 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 15.78 is strong.
UTI Asset Management Co has a Altman Z-Score of 15.78, 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 UTI Asset Management Co's Altman Z-Score or its related term are showing as below:
NSE:UTIAMC'
s Altman Z-Score Range Over the Past 10 Years
Min: 12.58 Med: 18.43 Max: 23.81
Current: 15.78
During the past 9 years, UTI Asset Management Co's highest Altman Z-Score was 23.81. The lowest was 12.58. And the median was 18.43.
UTI Asset Management Co (NSE:UTIAMC) 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.
NSE:UTIAMC vs BLK, BX, KKR: Altman Z-Score Comparison
For the Asset Management subindustry, UTI Asset Management Co'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.
UTI Asset Management Co Altman Z-Score vs Asset Management Industry
For the Asset Management industry and Financial Services sector, UTI Asset Management Co's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where UTI Asset Management Co's Altman Z-Score falls into.
UTI Asset Management Co 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.
UTI Asset Management Co (NSE:UTIAMC) has a Altman Z-Score of 15.78 as of Jul. 01, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on UTI Asset Management Co and its competitors. This is 14% below median its historical median of 18.43. Over the past decade, UTI Asset Management Co's Altman Z-Score has ranged from 12.58 to 23.81. According to the industry distribution chart, UTI Asset Management Co ranks #119 out of 645 companies in the Asset Management industry, placing it in the top 18.4%.
Is UTI Asset Management Co's Altman Z-Score too high?
UTI Asset Management Co's current Altman Z-Score of 15.78 is 14% below median its 10-year median of 18.43. Over the past 10 years, this metric has ranged from a low of 12.58 to a high of 23.81. The Asset Management industry median Altman Z-Score is 3.53. UTI Asset Management Co's value of 15.78 is 347% above this industry median. Based on the distribution chart, UTI Asset Management Co ranks #119 out of 645 companies in the Asset Management industry, which is in the top quartile — a strong position relative to peers. Overall, UTI Asset Management Co has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does UTI Asset Management Co's Altman Z-Score compare to BLK and BX?
According to the Asset Management industry distribution chart, UTI Asset Management Co ranks #119 out of 645 companies for Altman Z-Score. This places UTI Asset Management Co in the top 18% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 3.53. UTI Asset Management Co's value of 15.78 is 347% above this benchmark. Historically, UTI Asset Management Co's own Altman Z-Score has ranged from 12.58 to 23.81 over the past decade. While the company's 10-year median is 18.43 vs. the industry median of 3.53, UTI Asset Management Co 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 an Asset Management company?
The median Altman Z-Score among Asset Management companies is 3.53, based on 645 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. UTI Asset Management Co's current Altman Z-Score of 15.78 is 347% 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 UTI Asset Management Co and its competitors. For the Asset Management industry, the median Altman Z-Score is 3.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UTI Asset Management Co's current Altman Z-Score is 15.78, which is 14% below median its own 10-year median of 18.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UTI Asset Management Co stock overvalued right now?
Based on GuruFocus' analysis, UTI Asset Management Co (NSE:UTIAMC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹1,223.51, compared to a current price of ₹935.10 — trading 23.6% below its estimated fair value. The current Altman Z-Score is 15.78, which is 14% below median its 10-year median of 18.43 and 347% above the Asset Management industry median of 3.53. UTI Asset Management Co's overall GF Score™ is 79/100 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 UTI Asset Management Co (NSE:UTIAMC), the current Altman Z-Score is 15.78 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 UTI Asset Management Co (NSE:UTIAMC) Overvalued in 2026?
Based on GuruFocus' analysis, UTI Asset Management Co stock appears to be undervalued.
The current stock price of ₹935.10 is trading 23.6% below its estimated GF Value™ of ₹1,223.51.
GuruFocus considers UTI Asset Management Co to be Modestly Undervalued.
Key valuation signals for NSE:UTIAMC:
Altman Z-Score: 15.78 (14% below median its 10-year median of 18.43)
GF Value™: ₹1,223.51 vs. price of ₹935.10 (23.6% below fair value)
Industry Position: 347% above the Asset Management median (#119 of 645)
No single metric tells the full story. See the NSE:UTIAMC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UTI Asset Management Co Ltd is an asset management company in India. The company manages domestic mutual funds, provides portfolio management services, and manages retirement funds, and alternative investment funds. The objective of the group is to maximize the shareholder value as well as to maintain investor, creditor, and market confidence and sustain the future development of the group. The company generates majority of its revenue from India.
79GF Score
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