Bin Dawood HoldingSAU:4161 -1.60%79 Altman Z-Score is 2.02 as of Jul. 06, 2026, which is 27% below its 10-year median of 2.75. GuruFocus rates SAU:4161 with a GF Score™ of 79/100 and a GF Value™ of ﷼7.57 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 308 Retail - Defensive companies, Bin Dawood Holding ranks worse than 79.22% 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 2.03 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.
Bin Dawood Holding has a Altman Z-Score of 2.02, indicating it is in Grey Zones. This implies that Bin Dawood Holding 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 Bin Dawood Holding's Altman Z-Score or its related term are showing as below:
SAU:4161'
s Altman Z-Score Range Over the Past 10 Years
Min: 1.99 Med: 2.75 Max: 3.85
Current: 2.03
During the past 7 years, Bin Dawood Holding's highest Altman Z-Score was 3.85. The lowest was 1.99. And the median was 2.75.
Bin Dawood Holding (SAU:4161) 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.
Bin Dawood Holding Altman Z-Score Related Terms
Bin Dawood Holding Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Bin Dawood Holding'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, Bin Dawood Holding'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.
Bin Dawood Holding Altman Z-Score vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, Bin Dawood Holding's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Bin Dawood Holding'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.
Bin Dawood Holding'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
*
0.0543
+
1.4
*
0.0726
+
3.3
*
0.0648
+
0.6
*
1.1293
+
1.0
*
0.965
=
2.02
* 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.
Bin Dawood Holding (SAU:4161) has a Altman Z-Score of 2.02 as of Jul. 06, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Bin Dawood Holding and its competitors. This is 27% below median its historical median of 2.75. Over the past decade, Bin Dawood Holding's Altman Z-Score has ranged from 1.99 to 3.85. According to the industry distribution chart, Bin Dawood Holding ranks #244 out of 308 companies in the Retail - Defensive industry, placing it in the top 79.2%.
Is Bin Dawood Holding's Altman Z-Score too high?
Bin Dawood Holding's current Altman Z-Score of 2.02 is 27% below median its 10-year median of 2.75. Over the past 10 years, this metric has ranged from a low of 1.99 to a high of 3.85. The Retail - Defensive industry median Altman Z-Score is 3.54. Bin Dawood Holding's value of 2.02 is 42.9% below this industry median. Based on the distribution chart, Bin Dawood Holding ranks #244 out of 308 companies in the Retail - Defensive industry, which is in the bottom quartile relative to peers. Overall, Bin Dawood Holding has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bin Dawood Holding's Altman Z-Score compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, Bin Dawood Holding ranks #244 out of 308 companies for Altman Z-Score. This places Bin Dawood Holding in the lower half of its industry. The industry median Altman Z-Score is 3.54. Bin Dawood Holding's value of 2.02 is 42.9% below this benchmark. Historically, Bin Dawood Holding's own Altman Z-Score has ranged from 1.99 to 3.85 over the past decade. While the company's 10-year median is 2.75 vs. the industry median of 3.54, Bin Dawood Holding 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 3.54, based on 308 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. Bin Dawood Holding's current Altman Z-Score of 2.02 is 42.9% 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 Bin Dawood Holding and its competitors. For the Retail - Defensive industry, the median Altman Z-Score is 3.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bin Dawood Holding's current Altman Z-Score is 2.02, which is 27% below median its own 10-year median of 2.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bin Dawood Holding stock overvalued right now?
Based on GuruFocus' analysis, Bin Dawood Holding (SAU:4161) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼7.57, compared to a current price of ﷼4.93 — trading 34.9% below its estimated fair value. The current Altman Z-Score is 2.02, which is 27% below median its 10-year median of 2.75 and 42.9% below the Retail - Defensive industry median of 3.54. Bin Dawood Holding's overall GF Score™ is 79/100 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 Bin Dawood Holding (SAU:4161), the current Altman Z-Score is 2.02 as of Jul. 06, 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 Bin Dawood Holding (SAU:4161) Overvalued in 2026?
Based on GuruFocus' analysis, Bin Dawood Holding stock appears to be undervalued.
The current stock price of ﷼4.93 is trading 34.9% below its estimated GF Value™ of ﷼7.57.
GuruFocus considers Bin Dawood Holding to be Significantly Undervalued.
Key valuation signals for SAU:4161:
Altman Z-Score: 2.02 (27% below median its 10-year median of 2.75)
GF Value™: ﷼7.57 vs. price of ﷼4.93 (34.9% below fair value)
Industry Position: 42.9% below the Retail - Defensive median (#244 of 308)
No single metric tells the full story. See the SAU:4161 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bin Dawood Holding is the grocery retail operator of hypermarkets and supermarkets in Saudi Arabia. The company's Stores comprise trading of FMCG, fresh Food Products, and Non-Food Products, including household consumable items, as well as the ownership and management of in-store bakeries. The company also engaged in the retail trading of foodstuff and household items, operating bakeries and restaurants, pharmacies, providing information technology and communication services, providing delivery, storage, and transportation services, acquiring and managing investments, and providing market influencing and digital marketing services. The company operates its business under the brands of BinDawood, Danube, BinDawood Dash, Danube Dash, IACo, and Ykone.
79GF Score
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