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 2.47 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.
Yamada Servicer Synthetic Office has a Altman Z-Score of 2.48, indicating it is in Grey Zones. This implies that Yamada Servicer Synthetic Office 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 Yamada Servicer Synthetic Office's Altman Z-Score or its related term are showing as below:
TSE:4351'
s Altman Z-Score Range Over the Past 10 Years
Min: 1.2 Med: 2.04 Max: 2.88
Current: 2.47
During the past 13 years, Yamada Servicer Synthetic Office's highest Altman Z-Score was 2.88. The lowest was 1.20. And the median was 2.04.
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.
TSE:4351 vs CTAS, CPRT, ULS: Altman Z-Score Comparison
For the Specialty Business Services subindustry, Yamada Servicer Synthetic Office'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.
Yamada Servicer Synthetic Office Altman Z-Score vs Business Services Industry
For the Business Services industry and Industrials sector, Yamada Servicer Synthetic Office's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Yamada Servicer Synthetic Office'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.
* 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.
Yamada Servicer Synthetic Office (TSE:4351) has a Altman Z-Score of 2.48 as of Jul. 11, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Yamada Servicer Synthetic Office and its competitors. This is 22% above median its historical median of 2.04. Over the past decade, Yamada Servicer Synthetic Office's Altman Z-Score has ranged from 1.20 to 2.88. According to the industry distribution chart, Yamada Servicer Synthetic Office ranks #635 out of 1061 companies in the Business Services industry, placing it in the top 59.8%.
Is Yamada Servicer Synthetic Office's Altman Z-Score too high?
Yamada Servicer Synthetic Office's current Altman Z-Score of 2.48 is 22% above median its 10-year median of 2.04. Over the past 10 years, this metric has ranged from a low of 1.20 to a high of 2.88. The Business Services industry median Altman Z-Score is 2.96. Yamada Servicer Synthetic Office's value of 2.48 is 16.2% below this industry median. Based on the distribution chart, Yamada Servicer Synthetic Office ranks #635 out of 1061 companies in the Business Services industry, which is below the industry midpoint. Overall, Yamada Servicer Synthetic Office has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Yamada Servicer Synthetic Office's Altman Z-Score compare to CTAS and CPRT?
According to the Business Services industry distribution chart, Yamada Servicer Synthetic Office ranks #635 out of 1061 companies for Altman Z-Score. This places Yamada Servicer Synthetic Office in the lower half of its industry. The industry median Altman Z-Score is 2.96. Yamada Servicer Synthetic Office's value of 2.48 is 16.2% below this benchmark. Historically, Yamada Servicer Synthetic Office's own Altman Z-Score has ranged from 1.20 to 2.88 over the past decade. While the company's 10-year median is 2.04 vs. the industry median of 2.96, Yamada Servicer Synthetic Office 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 Business Services company?
The median Altman Z-Score among Business Services companies is 2.96, based on 1,061 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. Yamada Servicer Synthetic Office's current Altman Z-Score of 2.48 is 16.2% 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 Yamada Servicer Synthetic Office and its competitors. For the Business Services industry, the median Altman Z-Score is 2.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yamada Servicer Synthetic Office's current Altman Z-Score is 2.48, which is 22% above median its own 10-year median of 2.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yamada Servicer Synthetic Office stock overvalued right now?
Based on GuruFocus' analysis, Yamada Servicer Synthetic Office (TSE:4351) is currently considered Fairly Valued. The stock's GF Value™ is 円888.13, compared to a current price of 円870.00 — trading 2% below its estimated fair value. The current Altman Z-Score is 2.48, which is 22% above median its 10-year median of 2.04 and 16.2% below the Business Services industry median of 2.96. Yamada Servicer Synthetic Office's overall GF Score™ is 59/100 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 Yamada Servicer Synthetic Office (TSE:4351), the current Altman Z-Score is 2.48 as of Jul. 11, 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 Yamada Servicer Synthetic Office (TSE:4351) Overvalued in 2026?
Based on GuruFocus' analysis, Yamada Servicer Synthetic Office stock appears to be undervalued.
The current stock price of 円870.00 is trading 2% below its estimated GF Value™ of 円888.13.
GuruFocus considers Yamada Servicer Synthetic Office to be Fairly Valued.
Key valuation signals for TSE:4351:
Altman Z-Score: 2.48 (22% above median its 10-year median of 2.04)
GF Value™: 円888.13 vs. price of 円870.00 (2% below fair value)
Industry Position: 16.2% below the Business Services median (#635 of 1061)
No single metric tells the full story. See the TSE:4351 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yamada Servicer Synthetic Office Business Description
Yamada Servicer Synthetic Office is engaged in responding to the needs of range of financial institutions, investors and others and manage and collect purchased loans and entrusted claims. The company is also engaged in real estate and development activities and it conducts current state survey and border determination survey necessary to promote effective utilization of real estate.
59GF Score
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