MerryMart ConsumerPHS:MM 77 Altman Z-Score is 0.62 as of Jun. 24, 2026, which is 58% below its 10-year median of 1.46. GuruFocus rates PHS:MM with a GF Score™ of 77/100 and a GF Value™ of ₱1.11 (Possible Value Trap). The stock has 9 warning signs investors should review. Among 307 Retail - Defensive companies, MerryMart Consumer ranks worse than 92.83% 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 0.62 is in distress zone. This implies bankruptcy possibility in the next two years.
MerryMart Consumer has a Altman Z-Score of 0.62, 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 MerryMart Consumer's Altman Z-Score or its related term are showing as below:
PHS:MM'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.59 Med: 1.46 Max: 19.42
Current: 0.62
During the past 9 years, MerryMart Consumer's highest Altman Z-Score was 19.42. The lowest was 0.59. And the median was 1.46.
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.
MerryMart Consumer Altman Z-Score Related Terms
MerryMart Consumer Altman Z-Score Historical Data
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The historical data trend for MerryMart Consumer'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 Grocery Stores subindustry, MerryMart Consumer'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.
MerryMart Consumer Altman Z-Score vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, MerryMart Consumer's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where MerryMart Consumer'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.
MerryMart Consumer'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
*
-0.1342
+
1.4
*
0.0809
+
3.3
*
0.0047
+
0.6
*
0.3053
+
1.0
*
0.4662
=
0.62
* 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.
MerryMart Consumer (PHS:MM) has a Altman Z-Score of 0.62 as of Jun. 24, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on MerryMart Consumer and its competitors. This is 58% below median its historical median of 1.46. Over the past decade, MerryMart Consumer's Altman Z-Score has ranged from 0.59 to 19.42. According to the industry distribution chart, MerryMart Consumer ranks #285 out of 307 companies in the Retail - Defensive industry, placing it in the top 92.8%.
Is MerryMart Consumer's Altman Z-Score too high?
MerryMart Consumer's current Altman Z-Score of 0.62 is 58% below median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 19.42. The Retail - Defensive industry median Altman Z-Score is 3.56. MerryMart Consumer's value of 0.62 is 82.6% below this industry median. Based on the distribution chart, MerryMart Consumer ranks #285 out of 307 companies in the Retail - Defensive industry, which is in the bottom quartile relative to peers. Overall, MerryMart Consumer has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does MerryMart Consumer's Altman Z-Score compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, MerryMart Consumer ranks #285 out of 307 companies for Altman Z-Score. This places MerryMart Consumer in the lower half of its industry. The industry median Altman Z-Score is 3.56. MerryMart Consumer's value of 0.62 is 82.6% below this benchmark. Historically, MerryMart Consumer's own Altman Z-Score has ranged from 0.59 to 19.42 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 3.56, MerryMart Consumer 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 Retail - Defensive company?
The median Altman Z-Score among Retail - Defensive companies is 3.56, based on 307 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. MerryMart Consumer's current Altman Z-Score of 0.62 is 82.6% 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 MerryMart Consumer and its competitors. For the Retail - Defensive industry, the median Altman Z-Score is 3.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MerryMart Consumer's current Altman Z-Score is 0.62, which is 58% below median its own 10-year median of 1.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MerryMart Consumer stock overvalued right now?
Based on GuruFocus' analysis, MerryMart Consumer (PHS:MM) is currently considered Possible Value Trap. The stock's GF Value™ is ₱1.11, compared to a current price of ₱0.44 — trading 60.8% below its estimated fair value. The current Altman Z-Score is 0.62, which is 58% below median its 10-year median of 1.46 and 82.6% below the Retail - Defensive industry median of 3.56. MerryMart Consumer's overall GF Score™ is 77/100 with 9 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 MerryMart Consumer (PHS:MM), the current Altman Z-Score is 0.62 as of Jun. 24, 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 MerryMart Consumer (PHS:MM) Overvalued in 2026?
Based on GuruFocus' analysis, MerryMart Consumer stock appears to be undervalued.
The current stock price of ₱0.44 is trading 60.8% below its estimated GF Value™ of ₱1.11.
GuruFocus considers MerryMart Consumer to be Possible Value Trap.
Key valuation signals for PHS:MM:
Altman Z-Score: 0.62 (58% below median its 10-year median of 1.46)
GF Value™: ₱1.11 vs. price of ₱0.44 (60.8% below fair value)
Industry Position: 82.6% below the Retail - Defensive median (#285 of 307)
No single metric tells the full story. See the PHS:MM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MerryMart Consumer Corp is an emerging consumer-focused retail company. It is engaged in the operation of retail stores in the supermarket and household essentials category. It operates through Four divisions namely, MerryMart Grocery; MerryMart Market; and MerryMart Store, MerryMart Wholesale. It generates revenues from trading and selling goods and consumer products on a wholesale or retail basis.
77GF Score
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