Concepcion IndustrialPHS:CIC +0.64%77 Altman Z-Score is 2.60 as of Jun. 26, 2026, which is 20% below its 10-year median of 3.25. GuruFocus rates PHS:CIC with a GF Score™ of 77/100 and a GF Value™ of ₱15.09 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 2,456 Hardware companies, Concepcion Industrial ranks worse than 66.78% 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.
Warning Sign:
Altman Z-score of 2.6 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.
Concepcion Industrial has a Altman Z-Score of 2.60, indicating it is in Grey Zones. This implies that Concepcion Industrial is in some kind of financial stress. If it is below 1.81, the company may face bankrupcy risk.
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 Concepcion Industrial's Altman Z-Score or its related term are showing as below:
PHS:CIC'
s Altman Z-Score Range Over the Past 10 Years
Min: 2.59 Med: 3.25 Max: 8.58
Current: 2.6
During the past 13 years, Concepcion Industrial's highest Altman Z-Score was 8.58. The lowest was 2.59. And the median was 3.25.
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.
Concepcion Industrial Altman Z-Score Related Terms
Concepcion Industrial Altman Z-Score Historical Data
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The historical data trend for Concepcion Industrial'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 Consumer Electronics subindustry, Concepcion Industrial'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.
Concepcion Industrial Altman Z-Score vs Hardware Industry
For the Hardware industry and Technology sector, Concepcion Industrial's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Concepcion Industrial'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.
* 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.
Concepcion Industrial (PHS:CIC) has a Altman Z-Score of 2.60 as of Jun. 26, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Concepcion Industrial and its competitors. This is 20% below median its historical median of 3.25. Over the past decade, Concepcion Industrial's Altman Z-Score has ranged from 2.59 to 8.58. According to the industry distribution chart, Concepcion Industrial ranks #1640 out of 2456 companies in the Hardware industry, placing it in the top 66.8%.
Is Concepcion Industrial's Altman Z-Score too high?
Concepcion Industrial's current Altman Z-Score of 2.60 is 20% below median its 10-year median of 3.25. Over the past 10 years, this metric has ranged from a low of 2.59 to a high of 8.58. The Hardware industry median Altman Z-Score is 3.69. Concepcion Industrial's value of 2.60 is 29.5% below this industry median. Based on the distribution chart, Concepcion Industrial ranks #1640 out of 2456 companies in the Hardware industry, which is below the industry midpoint. Overall, Concepcion Industrial has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Concepcion Industrial's Altman Z-Score compare to AAPL?
According to the Hardware industry distribution chart, Concepcion Industrial ranks #1640 out of 2456 companies for Altman Z-Score. This places Concepcion Industrial in the lower half of its industry. The industry median Altman Z-Score is 3.69. Concepcion Industrial's value of 2.60 is 29.5% below this benchmark. Historically, Concepcion Industrial's own Altman Z-Score has ranged from 2.59 to 8.58 over the past decade. While the company's 10-year median is 3.25 vs. the industry median of 3.69, Concepcion Industrial 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 Hardware company?
The median Altman Z-Score among Hardware companies is 3.69, based on 2,456 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. Concepcion Industrial's current Altman Z-Score of 2.60 is 29.5% 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 Concepcion Industrial and its competitors. For the Hardware industry, the median Altman Z-Score is 3.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Concepcion Industrial's current Altman Z-Score is 2.60, which is 20% below median its own 10-year median of 3.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Concepcion Industrial stock overvalued right now?
Based on GuruFocus' analysis, Concepcion Industrial (PHS:CIC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱15.09, compared to a current price of ₱12.58 — trading 16.6% below its estimated fair value. The current Altman Z-Score is 2.60, which is 20% below median its 10-year median of 3.25 and 29.5% below the Hardware industry median of 3.69. Concepcion Industrial's overall GF Score™ is 77/100 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 Concepcion Industrial (PHS:CIC), the current Altman Z-Score is 2.60 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 Concepcion Industrial (PHS:CIC) Overvalued in 2026?
Based on GuruFocus' analysis, Concepcion Industrial stock appears to be undervalued.
The current stock price of ₱12.58 is trading 16.6% below its estimated GF Value™ of ₱15.09.
GuruFocus considers Concepcion Industrial to be Modestly Undervalued.
Key valuation signals for PHS:CIC:
Altman Z-Score: 2.60 (20% below median its 10-year median of 3.25)
GF Value™: ₱15.09 vs. price of ₱12.58 (16.6% below fair value)
Industry Position: 29.5% below the Hardware median (#1640 of 2456)
No single metric tells the full story. See the PHS:CIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Concepcion Industrial Corp, through its subsidiaries, is engaged in supplying residential and commercial solutions, such as air conditioning equipment, refrigerators, laundry, kitchen and small domestic appliances, and elevators and escalators. The segments of the group are consumer business, commercial business, and Others. Key revenue is generated from Consumer business segment which include products and related services include HVAC for consumer use, domestic refrigeration products, laundry, kitchen and small domestic appliances. The company generates revenues from sales of its air conditioning units and refrigeration units through its subsidiaries CCAC and CDI.
77GF Score
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