XL Holdings BhdXKLS:7121 55 Altman Z-Score is 30.00 as of Jun. 30, 2026, which is 46% above its 10-year median of 20.57. GuruFocus rates XKLS:7121 with a GF Score™ of 55/100 and a GF Value™ of RM0.46 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,931 Consumer Packaged Goods companies, XL Holdings Bhd ranks better than 97.88% 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 30 is strong.
XL Holdings Bhd has a Altman Z-Score of 30.00, 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 XL Holdings Bhd's Altman Z-Score or its related term are showing as below:
XKLS:7121'
s Altman Z-Score Range Over the Past 10 Years
Min: 2.83 Med: 20.57 Max: 54.69
Current: 30
During the past 13 years, XL Holdings Bhd's highest Altman Z-Score was 54.69. The lowest was 2.83. And the median was 20.57.
XL Holdings Bhd (XKLS:7121) 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.
Altman Z-Score does not apply to financial companies.
XL Holdings Bhd Altman Z-Score Related Terms
XL Holdings Bhd Altman Z-Score Historical Data
* Premium members only.
The historical data trend for XL Holdings Bhd'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.
XKLS:7121 vs ADM, BG, TSN: Altman Z-Score Comparison
For the Farm Products subindustry, XL Holdings Bhd'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.
XL Holdings Bhd Altman Z-Score vs Consumer Packaged Goods Industry
For the Consumer Packaged Goods industry and Consumer Defensive sector, XL Holdings Bhd's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where XL Holdings Bhd'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.
XL Holdings Bhd'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
*
0.4855
+
1.4
*
-0.0019
+
3.3
*
0.041
+
0.6
*
47.9647
+
1.0
*
0.5028
=
30.00
* 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.
XL Holdings Bhd (XKLS:7121) has a Altman Z-Score of 30.00 as of Jun. 30, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on XL Holdings Bhd and its competitors. This is 46% above median its historical median of 20.57. Over the past decade, XL Holdings Bhd's Altman Z-Score has ranged from 2.83 to 54.69. According to the industry distribution chart, XL Holdings Bhd ranks #41 out of 1931 companies in the Consumer Packaged Goods industry, placing it in the top 2.1%.
Is XL Holdings Bhd's Altman Z-Score too high?
XL Holdings Bhd's current Altman Z-Score of 30.00 is 46% above median its 10-year median of 20.57. Over the past 10 years, this metric has ranged from a low of 2.83 to a high of 54.69. The Consumer Packaged Goods industry median Altman Z-Score is 2.83. XL Holdings Bhd's value of 30.00 is 960.1% above this industry median. Based on the distribution chart, XL Holdings Bhd ranks #41 out of 1931 companies in the Consumer Packaged Goods industry, which is in the top quartile — a strong position relative to peers. Overall, XL Holdings Bhd has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does XL Holdings Bhd's Altman Z-Score compare to ADM and BG?
According to the Consumer Packaged Goods industry distribution chart, XL Holdings Bhd ranks #41 out of 1931 companies for Altman Z-Score. This places XL Holdings Bhd in the top 2% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 2.83. XL Holdings Bhd's value of 30.00 is 960.1% above this benchmark. Historically, XL Holdings Bhd's own Altman Z-Score has ranged from 2.83 to 54.69 over the past decade. While the company's 10-year median is 20.57 vs. the industry median of 2.83, XL Holdings Bhd 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 2.83, based on 1,931 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. XL Holdings Bhd's current Altman Z-Score of 30.00 is 960.1% 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 XL Holdings Bhd and its competitors. For the Consumer Packaged Goods industry, the median Altman Z-Score is 2.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XL Holdings Bhd's current Altman Z-Score is 30.00, which is 46% above median its own 10-year median of 20.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XL Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, XL Holdings Bhd (XKLS:7121) is currently considered Significantly Overvalued. The stock's GF Value™ is RM0.46, compared to a current price of RM0.75 — trading 63% above its estimated fair value. The current Altman Z-Score is 30.00, which is 46% above median its 10-year median of 20.57 and 960.1% above the Consumer Packaged Goods industry median of 2.83. XL Holdings Bhd's overall GF Score™ is 55/100 with 10 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 XL Holdings Bhd (XKLS:7121), the current Altman Z-Score is 30.00 as of Jun. 30, 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 XL Holdings Bhd (XKLS:7121) Overvalued in 2026?
Based on GuruFocus' analysis, XL Holdings Bhd stock appears to be overvalued.
The current stock price of RM0.75 is trading 63% above its estimated GF Value™ of RM0.46.
GuruFocus considers XL Holdings Bhd to be Significantly Overvalued.
Key valuation signals for XKLS:7121:
Altman Z-Score: 30.00 (46% above median its 10-year median of 20.57)
GF Value™: RM0.46 vs. price of RM0.75 (63% above fair value)
Industry Position: 960.1% above the Consumer Packaged Goods median (#41 of 1931)
No single metric tells the full story. See the XKLS:7121 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
XL Holdings Bhd is an investment company that engages in the provision of management services. The company's operating segment includes Fish farming, Merchandise, Edible bird nest, Foods, Investment holding, and Growing crop. The Foods segment, which is into the Manufacturing and trading of edible foods, generates the majority of its revenue. Fish farming is into Breeding and rearing of fishery livestock. Merchandise segment in into trading of fish, consumables, and aquarium accessories. The edible bird nest segment is into the trading and distribution of edible bird nest. Growing crop: Growing a crop of pineapple.
55GF Score
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