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.
Warning Sign:
Altman Z-score of 1.16 is in distress zone. This implies bankruptcy possibility in the next two years.
Pact Group Holdings has a Altman Z-Score of 1.16, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
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 Pact Group Holdings's Altman Z-Score or its related term are showing as below:
PCTGY'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.56 Med: 1.15 Max: 2.17
Current: 1.16
During the past 13 years, Pact Group Holdings's highest Altman Z-Score was 2.17. The lowest was 0.56. And the median was 1.15.
Pact Group Holdings (OTCPK:PCTGY) 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.
Pact Group Holdings Altman Z-Score Related Terms
Pact Group Holdings Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Pact Group Holdings'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 Packaging & Containers subindustry, Pact Group Holdings'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.
Pact Group Holdings Altman Z-Score vs Packaging & Containers Industry
For the Packaging & Containers industry and Consumer Cyclical sector, Pact Group Holdings's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Pact Group Holdings'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.
Pact Group Holdings'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
*
0.0094
+
1.4
*
-0.1716
+
3.3
*
0.0621
+
0.6
*
0.477
+
1.0
*
0.8932
=
1.16
* 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.
Pact Group Holdings (PCTGY) has a Altman Z-Score of 1.16 as of Jun. 26, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Pact Group Holdings and its competitors. This is near median its historical median of 1.15. Over the past decade, Pact Group Holdings' Altman Z-Score has ranged from 0.56 to 2.17.
Is Pact Group Holdings' Altman Z-Score too high?
Pact Group Holdings' current Altman Z-Score of 1.16 is near median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 2.17. The Packaging & Containers industry median Altman Z-Score is 2.65. Pact Group Holdings' value of 1.16 is 56.2% below this industry median. Overall, Pact Group Holdings has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Pact Group Holdings' Altman Z-Score compare to IP and SW?
Pact Group Holdings' Altman Z-Score of 1.16 can be compared against companies in the Packaging & Containers industry. The industry median Altman Z-Score is 2.65. Pact Group Holdings' value of 1.16 is 56.2% below this benchmark. Historically, Pact Group Holdings' own Altman Z-Score has ranged from 0.56 to 2.17 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 2.65, Pact Group Holdings has consistently been below 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 Packaging & Containers company?
The median Altman Z-Score among Packaging & Containers companies is 2.65, based on 391 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. Pact Group Holdings's current Altman Z-Score of 1.16 is 56.2% below 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 Pact Group Holdings and its competitors. For the Packaging & Containers industry, the median Altman Z-Score is 2.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pact Group Holdings's current Altman Z-Score is 1.16, which is near median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pact Group Holdings stock overvalued right now?
Pact Group Holdings (PCTGY) has a current Altman Z-Score of 1.16. The stock's GF Value™ is $7.63, compared to a current price of $6.37 — trading 16.5% below its estimated fair value. The current Altman Z-Score is 1.16, which is near median its 10-year median of 1.15 and 56.2% below the Packaging & Containers industry median of 2.65. Pact Group Holdings' overall GF Score™ is 20/100 with 7 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 Pact Group Holdings (PCTGY), the current Altman Z-Score is 1.16 as of Jun. 26, 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 Pact Group Holdings (PCTGY) Overvalued in 2026?
Based on GuruFocus' analysis, Pact Group Holdings stock appears to be undervalued.
The current stock price of $6.37 is trading 16.5% below its estimated GF Value™ of $7.63.
Key valuation signals for PCTGY:
Altman Z-Score: 1.16 (near median its 10-year median of 1.15)
GF Value™: $7.63 vs. price of $6.37 (16.5% below fair value)
Industry Position: 56.2% below the Packaging & Containers median
No single metric tells the full story. See the PCTGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pact Group Holdings Ltd is a rigid packaging plastics manufacturer in Australia and New Zealand. The company has three operating segments that includes Packaging and sustainability, Materials Handling & Pooling, and Contract Manufacturing. The majority of its revenue is generated from the Packaging and sustainability segment.
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