PT Unilever Indonesia TbkUNLRF 87 Altman Z-Score is 5.58 as of Jun. 26, 2026, which is 55% below its 10-year median of 12.37. GuruFocus rates UNLRF with a GF Score™ of 87/100 and a GF Value™ of $0.12 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 1,933 Consumer Packaged Goods companies, PT Unilever Indonesia Tbk ranks better than 79.67% 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 5.62 is strong.
PT Unilever Indonesia Tbk has a Altman Z-Score of 5.58, 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 PT Unilever Indonesia Tbk's Altman Z-Score or its related term are showing as below:
UNLRF'
s Altman Z-Score Range Over the Past 10 Years
Min: 4.04 Med: 12.37 Max: 24.18
Current: 5.62
During the past 13 years, PT Unilever Indonesia Tbk's highest Altman Z-Score was 24.18. The lowest was 4.04. And the median was 12.37.
PT Unilever Indonesia Tbk (OTCPK:UNLRF) 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.
For the Household & Personal Products subindustry, PT Unilever Indonesia Tbk'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.
PT Unilever Indonesia Tbk Altman Z-Score vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, PT Unilever Indonesia Tbk's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where PT Unilever Indonesia Tbk's Altman Z-Score falls into.
PT Unilever Indonesia Tbk 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.
PT Unilever Indonesia Tbk (UNLRF) has a Altman Z-Score of 5.58 as of Jun. 26, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on PT Unilever Indonesia Tbk and its competitors. This is 55% below median its historical median of 12.37. Over the past decade, PT Unilever Indonesia Tbk's Altman Z-Score has ranged from 4.04 to 24.18. According to the industry distribution chart, PT Unilever Indonesia Tbk ranks #393 out of 1933 companies in the Consumer Packaged Goods industry, placing it in the top 20.3%.
Is PT Unilever Indonesia Tbk's Altman Z-Score too high?
PT Unilever Indonesia Tbk's current Altman Z-Score of 5.58 is 55% below median its 10-year median of 12.37. Over the past 10 years, this metric has ranged from a low of 4.04 to a high of 24.18. The Consumer Packaged Goods industry median Altman Z-Score is 2.84. PT Unilever Indonesia Tbk's value of 5.58 is 96.5% above this industry median. Based on the distribution chart, PT Unilever Indonesia Tbk ranks #393 out of 1933 companies in the Consumer Packaged Goods industry, which is in the top quartile — a strong position relative to peers. Overall, PT Unilever Indonesia Tbk has a GF Score™ of 87/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Unilever Indonesia Tbk's Altman Z-Score compare to PG and CL?
According to the Consumer Packaged Goods industry distribution chart, PT Unilever Indonesia Tbk ranks #393 out of 1933 companies for Altman Z-Score. This places PT Unilever Indonesia Tbk in the top 20% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.84. PT Unilever Indonesia Tbk's value of 5.58 is 96.5% above this benchmark. Historically, PT Unilever Indonesia Tbk's own Altman Z-Score has ranged from 4.04 to 24.18 over the past decade. While the company's 10-year median is 12.37 vs. the industry median of 2.84, PT Unilever Indonesia Tbk 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 Consumer Packaged Goods company?
The median Altman Z-Score among Consumer Packaged Goods companies is 2.84, based on 1,933 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. PT Unilever Indonesia Tbk's current Altman Z-Score of 5.58 is 96.5% 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 PT Unilever Indonesia Tbk and its competitors. For the Consumer Packaged Goods industry, the median Altman Z-Score is 2.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Unilever Indonesia Tbk's current Altman Z-Score is 5.58, which is 55% below median its own 10-year median of 12.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Unilever Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Unilever Indonesia Tbk (UNLRF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.12, compared to a current price of $0.07 — trading 38% below its estimated fair value. The current Altman Z-Score is 5.58, which is 55% below median its 10-year median of 12.37 and 96.5% above the Consumer Packaged Goods industry median of 2.84. PT Unilever Indonesia Tbk's overall GF Score™ is 87/100 with 6 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 PT Unilever Indonesia Tbk (UNLRF), the current Altman Z-Score is 5.58 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 PT Unilever Indonesia Tbk (UNLRF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Unilever Indonesia Tbk stock appears to be undervalued.
The current stock price of $0.07 is trading 38% below its estimated GF Value™ of $0.12.
GuruFocus considers PT Unilever Indonesia Tbk to be Possible Value Trap.
Key valuation signals for UNLRF:
Altman Z-Score: 5.58 (55% below median its 10-year median of 12.37)
GF Value™: $0.12 vs. price of $0.07 (38% below fair value)
Industry Position: 96.5% above the Consumer Packaged Goods median (#393 of 1933)
No single metric tells the full story. See the UNLRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Unilever Indonesia Tbk is an Indonesian company engaged in Manufacturing, marketing, and distributing consumer goods. It offers diverse, ranging from cosmetics and hygienic items (detergents, soaps, shampoos, skin care, toothpastes, and deodorants) to food and beverages (tea, coffee, and packaged foods). Its product portfolio contains products such as Pepsodent, Lux, Lifebuoy, Dove, Sunsilk, Clear, Rexona, Vaseline, Rinso, Molto, Sunlight, Royco, Bango, and more. The segments of the company are: the Home and Personal Care, which relates to the cleaning products that are used in the household and cosmetic products; and the Foods and Refreshment, which offers food and beverage products including ice cream. It derives maximum revenue from the Home and Personal Care segment.
87GF Score
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