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 0.55 is in distress zone. This implies bankruptcy possibility in the next two years.
China Maple Leaf Educational Systems has a Altman Z-Score of 0.55, 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.
China Maple Leaf Educational Systems (STU:CML1) 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.
China Maple Leaf Educational Systems Altman Z-Score Chart
STU:CML1 vs EDU, TAL, LAUR: Altman Z-Score Comparison
For the Education & Training Services subindustry, China Maple Leaf Educational Systems'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.
China Maple Leaf Educational Systems Altman Z-Score vs Education Industry
For the Education industry and Consumer Defensive sector, China Maple Leaf Educational Systems's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where China Maple Leaf Educational Systems's Altman Z-Score falls into.
China Maple Leaf Educational Systems 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.
China Maple Leaf Educational Systems (STU:CML1) has a Altman Z-Score of 0.55 as of Jul. 01, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on China Maple Leaf Educational Systems and its competitors. This is 33% below median its historical median of 0.82. Over the past decade, China Maple Leaf Educational Systems' Altman Z-Score has ranged from 0.20 to 4.01. According to the industry distribution chart, China Maple Leaf Educational Systems ranks #208 out of 250 companies in the Education industry, placing it in the top 83.2%.
Is China Maple Leaf Educational Systems' Altman Z-Score too high?
China Maple Leaf Educational Systems' current Altman Z-Score of 0.55 is 33% below median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 4.01. The Education industry median Altman Z-Score is 2.36. China Maple Leaf Educational Systems' value of 0.55 is 76.7% below this industry median. Based on the distribution chart, China Maple Leaf Educational Systems ranks #208 out of 250 companies in the Education industry, which is in the bottom quartile relative to peers. Overall, China Maple Leaf Educational Systems has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does China Maple Leaf Educational Systems' Altman Z-Score compare to EDU and TAL?
According to the Education industry distribution chart, China Maple Leaf Educational Systems ranks #208 out of 250 companies for Altman Z-Score. This places China Maple Leaf Educational Systems in the lower half of its industry. The industry median Altman Z-Score is 2.36. China Maple Leaf Educational Systems' value of 0.55 is 76.7% below this benchmark. Historically, China Maple Leaf Educational Systems' own Altman Z-Score has ranged from 0.20 to 4.01 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 2.36, China Maple Leaf Educational Systems 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 an Education company?
The median Altman Z-Score among Education companies is 2.36, based on 250 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. China Maple Leaf Educational Systems's current Altman Z-Score of 0.55 is 76.7% 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 China Maple Leaf Educational Systems and its competitors. For the Education industry, the median Altman Z-Score is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Maple Leaf Educational Systems's current Altman Z-Score is 0.55, which is 33% below median its own 10-year median of 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Maple Leaf Educational Systems stock overvalued right now?
China Maple Leaf Educational Systems (STU:CML1) has a current Altman Z-Score of 0.55. The stock's GF Value™ is €0.02, compared to a current price of €0.01 — trading 45% below its estimated fair value. The current Altman Z-Score is 0.55, which is 33% below median its 10-year median of 0.82 and 76.7% below the Education industry median of 2.36. China Maple Leaf Educational Systems' overall GF Score™ is 46/100 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 China Maple Leaf Educational Systems (STU:CML1), the current Altman Z-Score is 0.55 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.
Is China Maple Leaf Educational Systems (STU:CML1) Overvalued in 2026?
Based on GuruFocus' analysis, China Maple Leaf Educational Systems stock appears to be undervalued.
The current stock price of €0.01 is trading 45% below its estimated GF Value™ of €0.02.
Key valuation signals for STU:CML1:
Altman Z-Score: 0.55 (33% below median its 10-year median of 0.82)
GF Value™: €0.02 vs. price of €0.01 (45% below fair value)
Industry Position: 76.7% below the Education median (#208 of 250)
No single metric tells the full story. See the STU:CML1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Maple Leaf Educational Systems Business Description
China Maple Leaf Educational Systems Ltd is mainly engaged in international school education in the PRC and other Asia Pacific countries. It operates international K-12 schools under three principal brands: "Maple Leaf" in China, delivering the World School Program; CIS in Singapore, offering the IB program; and KIS in Malaysia, providing the A-Level program. The company's reportable segments are as follows: (i) PRC Segment, (ii) Overseas Segment, including Singapore, Malaysia and other Asia Pacific countries. The majority of the company's revenue is derived from the Overseas Segment, mainly from Singapore. Revenue is generated from tuition and boarding fees, educational programs, textbook and materials sales, catering services, extracurricular activities, and related offerings.
46GF Score
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