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 1.4 is in distress zone. This implies bankruptcy possibility in the next two years.
An Gia Real Estate Investment And Development has a Altman Z-Score of 1.40, 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.
An Gia Real Estate Investment And Development (STC:AGG) 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.
An Gia Real Estate Investment And Development Altman Z-Score Chart
An Gia Real Estate Investment And Development Annual Data
An Gia Real Estate Investment And Development Altman Z-Score Competitor Comparison
For the Real Estate - Diversified subindustry, An Gia Real Estate Investment And Development'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.
An Gia Real Estate Investment And Development Altman Z-Score vs Real Estate Industry
An Gia Real Estate Investment And Development 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.
An Gia Real Estate Investment And Development (STC:AGG) has a Altman Z-Score of 1.40 as of Jul. 05, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on An Gia Real Estate Investment And Development and its competitors. This is near median its historical median of 1.37. Over the past decade, An Gia Real Estate Investment And Development's Altman Z-Score has ranged from 0.84 to 2.02. According to the industry distribution chart, An Gia Real Estate Investment And Development ranks #801 out of 1729 companies in the Real Estate industry, placing it in the top 46.3%.
Is An Gia Real Estate Investment And Development's Altman Z-Score too high?
An Gia Real Estate Investment And Development's current Altman Z-Score of 1.40 is near median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 2.02. The Real Estate industry median Altman Z-Score is 1.30. An Gia Real Estate Investment And Development's value of 1.40 is 7.7% above this industry median. Based on the distribution chart, An Gia Real Estate Investment And Development ranks #801 out of 1729 companies in the Real Estate industry, which is above the industry midpoint. Overall, An Gia Real Estate Investment And Development has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does An Gia Real Estate Investment And Development's Altman Z-Score compare to competitors?
According to the Real Estate industry distribution chart, An Gia Real Estate Investment And Development ranks #801 out of 1729 companies for Altman Z-Score. This puts An Gia Real Estate Investment And Development in the upper half of its industry. The industry median Altman Z-Score is 1.30. An Gia Real Estate Investment And Development's value of 1.40 is 7.7% above this benchmark. Historically, An Gia Real Estate Investment And Development's own Altman Z-Score has ranged from 0.84 to 2.02 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.30, An Gia Real Estate Investment And Development 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 a Real Estate company?
The median Altman Z-Score among Real Estate companies is 1.30, based on 1,729 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. An Gia Real Estate Investment And Development's current Altman Z-Score of 1.40 is 7.7% 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 An Gia Real Estate Investment And Development and its competitors. For the Real Estate industry, the median Altman Z-Score is 1.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. An Gia Real Estate Investment And Development's current Altman Z-Score is 1.40, which is near median its own 10-year median of 1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is An Gia Real Estate Investment And Development stock overvalued right now?
Based on GuruFocus' analysis, An Gia Real Estate Investment And Development (STC:AGG) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫4,350.20, compared to a current price of ₫11,700.00 — trading 169% above its estimated fair value. The current Altman Z-Score is 1.40, which is near median its 10-year median of 1.37 and 7.7% above the Real Estate industry median of 1.30. An Gia Real Estate Investment And Development's overall GF Score™ is 60/100 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 An Gia Real Estate Investment And Development (STC:AGG), the current Altman Z-Score is 1.40 as of Jul. 05, 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 An Gia Real Estate Investment And Development (STC:AGG) Overvalued in 2026?
Based on GuruFocus' analysis, An Gia Real Estate Investment And Development stock appears to be overvalued.
The current stock price of ₫11,700.00 is trading 169% above its estimated GF Value™ of ₫4,350.20.
GuruFocus considers An Gia Real Estate Investment And Development to be Significantly Overvalued.
Key valuation signals for STC:AGG:
Altman Z-Score: 1.40 (near median its 10-year median of 1.37)
GF Value™: ₫4,350.20 vs. price of ₫11,700.00 (169% above fair value)
Industry Position: 7.7% above the Real Estate median (#801 of 1729)
No single metric tells the full story. See the STC:AGG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
An Gia Real Estate Investment And Development Business Description
An Gia Real Estate Investment And Development Corp is a real estate company. The company is engaged in real estate trading, real estate brokerage, real estate management, real estate exchange, management consulting, advertising, marketing research and public opinion polling, organization of convention and trading shows, construction of buildings, construction of other civil projects, construction of railways and roads, construction of utility projects, demolition and site preparation. The company derives its majority of revenue from real estate.
60GF Score
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