Jingbo TechnologySVMB 29 Altman Z-Score is 3.51 as of Jun. 26, 2026, which is 74% below its 10-year median of 13.70. GuruFocus rates SVMB with a GF Score™ of 29/100 and a GF Value™ of $0.16 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 2,765 Software companies, Jingbo Technology ranks better than 54.9% 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 3.51 is strong.
Jingbo Technology has a Altman Z-Score of 3.51, 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 Jingbo Technology's Altman Z-Score or its related term are showing as below:
SVMB'
s Altman Z-Score Range Over the Past 10 Years
Min: -7.32 Med: 13.7 Max: 77.31
Current: 3.51
During the past 11 years, Jingbo Technology's highest Altman Z-Score was 77.31. The lowest was -7.32. And the median was 13.70.
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.
Jingbo Technology Altman Z-Score Related Terms
Jingbo Technology Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Jingbo Technology'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 Software - Application subindustry, Jingbo Technology'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.
Jingbo Technology Altman Z-Score vs Software Industry
For the Software industry and Technology sector, Jingbo Technology's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Jingbo Technology'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.
Jingbo Technology'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
*
-0.5778
+
1.4
*
-3.0473
+
3.3
*
-0.1429
+
0.6
*
14.6467
+
1.0
*
0.1515
=
3.51
* 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.
Jingbo Technology (SVMB) has a Altman Z-Score of 3.51 as of Jun. 26, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Jingbo Technology and its competitors. This is 74% below median its historical median of 13.70. According to the industry distribution chart, Jingbo Technology ranks #1247 out of 2765 companies in the Software industry, placing it in the top 45.1%.
Is Jingbo Technology's Altman Z-Score too high?
Jingbo Technology's current Altman Z-Score of 3.51 is 74% below median its 10-year median of 13.70. The Software industry median Altman Z-Score is 3.13. Jingbo Technology's value of 3.51 is 12.1% above this industry median. Based on the distribution chart, Jingbo Technology ranks #1247 out of 2765 companies in the Software industry, which is above the industry midpoint. Overall, Jingbo Technology has a GF Score™ of 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jingbo Technology's Altman Z-Score compare to MTC and VTEX?
According to the Software industry distribution chart, Jingbo Technology ranks #1247 out of 2765 companies for Altman Z-Score. This puts Jingbo Technology in the upper half of its industry. The industry median Altman Z-Score is 3.13. Jingbo Technology's value of 3.51 is 12.1% above this benchmark. While the company's 10-year median is 13.70 vs. the industry median of 3.13, Jingbo Technology 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 3.13, based on 2,765 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. Jingbo Technology's current Altman Z-Score of 3.51 is 12.1% 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 Jingbo Technology and its competitors. For the Software industry, the median Altman Z-Score is 3.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jingbo Technology's current Altman Z-Score is 3.51, which is 74% below median its own 10-year median of 13.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jingbo Technology stock overvalued right now?
Based on GuruFocus' analysis, Jingbo Technology (SVMB) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.16, compared to a current price of $1.00 — trading 525% above its estimated fair value. The current Altman Z-Score is 3.51, which is 74% below median its 10-year median of 13.70 and 12.1% above the Software industry median of 3.13. Jingbo Technology's overall GF Score™ is 29/100 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 Jingbo Technology (SVMB), the current Altman Z-Score is 3.51 as of Jun. 26, 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 Jingbo Technology (SVMB) Overvalued in 2026?
Based on GuruFocus' analysis, Jingbo Technology stock appears to be overvalued.
The current stock price of $1.00 is trading 525% above its estimated GF Value™ of $0.16.
GuruFocus considers Jingbo Technology to be Significantly Overvalued.
Key valuation signals for SVMB:
Altman Z-Score: 3.51 (74% below median its 10-year median of 13.70)
GF Value™: $0.16 vs. price of $1.00 (525% above fair value)
Industry Position: 12.1% above the Software median (#1247 of 2765)
No single metric tells the full story. See the SVMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressChuangyi Road, Floor 1 to 6, No. 1 to 10, Yinhu Village,, Fuyang District, Shoujiang, CHN, 310000
Jingbo Technology Inc is providing application software to a international vendor platform to connect people to businesses and provide a new shopping experience.
29GF Score
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