Pinewood Technologies GroupSTU:0PD0 -0.64%32 Altman Z-Score is 3.47 as of Jul. 01, 2026, which is 46% above its 10-year median of 2.38. GuruFocus rates STU:0PD0 with a GF Score™ of 32/100. The stock has 4 warning signs investors should review. Among 2,763 Software companies, Pinewood Technologies Group ranks better than 54.22% 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.
Good Sign:
Altman Z-score of 3.41 is strong.
Pinewood Technologies Group has a Altman Z-Score of 3.47, indicating it is in Safe Zones. This implies the Altman Z-Score is strong.
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 Pinewood Technologies Group's Altman Z-Score or its related term are showing as below:
STU:0PD0'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.22 Med: 2.38 Max: 4.44
Current: 3.41
During the past 13 years, Pinewood Technologies Group's highest Altman Z-Score was 4.44. The lowest was 0.22. And the median was 2.38.
Pinewood Technologies Group (STU:0PD0) 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.
STU:0PD0 vs UBER, SHOP, CRM: Altman Z-Score Comparison
For the Software - Application subindustry, Pinewood Technologies Group'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.
Pinewood Technologies Group Altman Z-Score vs Software Industry
For the Software industry and Technology sector, Pinewood Technologies Group's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Pinewood Technologies Group's Altman Z-Score falls into.
Pinewood Technologies Group 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.
Pinewood Technologies Group (STU:0PD0) has a Altman Z-Score of 3.47 as of Jul. 01, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Pinewood Technologies Group and its competitors. This is 46% above median its historical median of 2.38. Over the past decade, Pinewood Technologies Group's Altman Z-Score has ranged from 0.22 to 4.44. According to the industry distribution chart, Pinewood Technologies Group ranks #1265 out of 2763 companies in the Software industry, placing it in the top 45.8%.
Is Pinewood Technologies Group's Altman Z-Score too high?
Pinewood Technologies Group's current Altman Z-Score of 3.47 is 46% above median its 10-year median of 2.38. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 4.44. The Software industry median Altman Z-Score is 3.11. Pinewood Technologies Group's value of 3.47 is 11.6% above this industry median. Based on the distribution chart, Pinewood Technologies Group ranks #1265 out of 2763 companies in the Software industry, which is above the industry midpoint. Overall, Pinewood Technologies Group has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Pinewood Technologies Group's Altman Z-Score compare to UBER and SHOP?
According to the Software industry distribution chart, Pinewood Technologies Group ranks #1265 out of 2763 companies for Altman Z-Score. This puts Pinewood Technologies Group in the upper half of its industry. The industry median Altman Z-Score is 3.11. Pinewood Technologies Group's value of 3.47 is 11.6% above this benchmark. Historically, Pinewood Technologies Group's own Altman Z-Score has ranged from 0.22 to 4.44 over the past decade. While the company's 10-year median is 2.38 vs. the industry median of 3.11, Pinewood Technologies Group 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 Software company?
The median Altman Z-Score among Software companies is 3.11, based on 2,763 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. Pinewood Technologies Group's current Altman Z-Score of 3.47 is 11.6% 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 Pinewood Technologies Group and its competitors. For the Software industry, the median Altman Z-Score is 3.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinewood Technologies Group's current Altman Z-Score is 3.47, which is 46% above median its own 10-year median of 2.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinewood Technologies Group stock overvalued right now?
Pinewood Technologies Group (STU:0PD0) has a current Altman Z-Score of 3.47. The current Altman Z-Score is 3.47, which is 46% above median its 10-year median of 2.38 and 11.6% above the Software industry median of 3.11. Pinewood Technologies Group's overall GF Score™ is 32/100 with 4 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 Pinewood Technologies Group (STU:0PD0), the current Altman Z-Score is 3.47 as of Jul. 01, 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.
Pinewood Technologies Group PLC is a cloud-based full-service technology provider to automotive retailers and OEMs. The company provides Dealer Management System (DMS) software, automotive intelligence platforms, Business Intelligence reporting, AI-powered automotive solutions, and software across sales, aftersales, accounting, and CRM. The company operates through two reportable segments: Pinewood majority of revenue, which comprises the Group's activities as a dealer management systems provider, and Seez, which comprises sales of AI products for automotive retail as well as digital advertising and sales lead generation. The company operates in the UK with the majority of revenue, Europe (excl. UK), Africa, Asia-Pacific and Middle East, and North and Central America.
32GF Score
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