Advantage Risk Management CoTSE:8769 +0.20%74 Altman Z-Score is 3.48 as of Jul. 01, 2026, which is 34% below its 10-year median of 5.26. GuruFocus rates TSE:8769 with a GF Score™ of 74/100 and a GF Value™ of 円773.71 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 659 Healthcare Providers & Services companies, Advantage Risk Management Co ranks better than 64.04% 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 3.48 is strong.
Advantage Risk Management Co has a Altman Z-Score of 3.48, 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 Advantage Risk Management Co's Altman Z-Score or its related term are showing as below:
TSE:8769'
s Altman Z-Score Range Over the Past 10 Years
Min: 3.35 Med: 5.26 Max: 9.91
Current: 3.48
During the past 13 years, Advantage Risk Management Co's highest Altman Z-Score was 9.91. The lowest was 3.35. And the median was 5.26.
Advantage Risk Management Co (TSE:8769) 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.
TSE:8769 vs HCA, THC, DVA: Altman Z-Score Comparison
For the Medical Care Facilities subindustry, Advantage Risk Management Co'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.
Advantage Risk Management Co Altman Z-Score vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Advantage Risk Management Co's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Advantage Risk Management Co's Altman Z-Score falls into.
Advantage Risk Management Co 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.
Advantage Risk Management Co (TSE:8769) has a Altman Z-Score of 3.48 as of Jul. 01, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Advantage Risk Management Co and its competitors. This is 34% below median its historical median of 5.26. Over the past decade, Advantage Risk Management Co's Altman Z-Score has ranged from 3.35 to 9.91. According to the industry distribution chart, Advantage Risk Management Co ranks #237 out of 659 companies in the Healthcare Providers & Services industry, placing it in the top 36%.
Is Advantage Risk Management Co's Altman Z-Score too high?
Advantage Risk Management Co's current Altman Z-Score of 3.48 is 34% below median its 10-year median of 5.26. Over the past 10 years, this metric has ranged from a low of 3.35 to a high of 9.91. The Healthcare Providers & Services industry median Altman Z-Score is 2.41. Advantage Risk Management Co's value of 3.48 is 44.4% above this industry median. Based on the distribution chart, Advantage Risk Management Co ranks #237 out of 659 companies in the Healthcare Providers & Services industry, which is above the industry midpoint. Overall, Advantage Risk Management Co has a GF Score™ of 74/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Advantage Risk Management Co's Altman Z-Score compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, Advantage Risk Management Co ranks #237 out of 659 companies for Altman Z-Score. This puts Advantage Risk Management Co in the upper half of its industry. The industry median Altman Z-Score is 2.41. Advantage Risk Management Co's value of 3.48 is 44.4% above this benchmark. Historically, Advantage Risk Management Co's own Altman Z-Score has ranged from 3.35 to 9.91 over the past decade. While the company's 10-year median is 5.26 vs. the industry median of 2.41, Advantage Risk Management Co 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 Healthcare Providers & Services company?
The median Altman Z-Score among Healthcare Providers & Services companies is 2.41, based on 659 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. Advantage Risk Management Co's current Altman Z-Score of 3.48 is 44.4% 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 Advantage Risk Management Co and its competitors. For the Healthcare Providers & Services industry, the median Altman Z-Score is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Advantage Risk Management Co's current Altman Z-Score is 3.48, which is 34% below median its own 10-year median of 5.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Advantage Risk Management Co stock overvalued right now?
Based on GuruFocus' analysis, Advantage Risk Management Co (TSE:8769) is currently considered Significantly Undervalued. The stock's GF Value™ is 円773.71, compared to a current price of 円491.00 — trading 36.5% below its estimated fair value. The current Altman Z-Score is 3.48, which is 34% below median its 10-year median of 5.26 and 44.4% above the Healthcare Providers & Services industry median of 2.41. Advantage Risk Management Co's overall GF Score™ is 74/100 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 Advantage Risk Management Co (TSE:8769), the current Altman Z-Score is 3.48 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 Advantage Risk Management Co (TSE:8769) Overvalued in 2026?
Based on GuruFocus' analysis, Advantage Risk Management Co stock appears to be undervalued.
The current stock price of 円491.00 is trading 36.5% below its estimated GF Value™ of 円773.71.
GuruFocus considers Advantage Risk Management Co to be Significantly Undervalued.
Key valuation signals for TSE:8769:
Altman Z-Score: 3.48 (34% below median its 10-year median of 5.26)
GF Value™: 円773.71 vs. price of 円491.00 (36.5% below fair value)
Industry Position: 44.4% above the Healthcare Providers & Services median (#237 of 659)
No single metric tells the full story. See the TSE:8769 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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