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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 4.55 is strong.
Administradora de Fondos de Pensiones-Provida has a Altman Z-Score of 4.55, 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.
Administradora de Fondos de Pensiones-Provida (XSGO:PROVIDA) 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.
Administradora de Fondos de Pensiones-Provida Altman Z-Score Chart
Administradora de Fondos de Pensiones-Provida Annual Data
XSGO:PROVIDA vs BLK, BX, KKR: Altman Z-Score Comparison
For the Asset Management subindustry, Administradora de Fondos de Pensiones-Provida'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.
Administradora de Fondos de Pensiones-Provida Altman Z-Score vs Asset Management Industry
Administradora de Fondos de Pensiones-Provida 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.
Administradora de Fondos de Pensiones-Provida (XSGO:PROVIDA) has a Altman Z-Score of 4.55 as of Aug. 08, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Administradora de Fondos de Pensiones-Provida and its competitors. This is near median its historical median of 4.78. Over the past decade, Administradora de Fondos de Pensiones-Provida's Altman Z-Score has ranged from 1.56 to 14.39. According to the industry distribution chart, Administradora de Fondos de Pensiones-Provida ranks #276 out of 652 companies in the Asset Management industry, placing it in the top 42.3%.
Is Administradora de Fondos de Pensiones-Provida's Altman Z-Score too high?
Administradora de Fondos de Pensiones-Provida's current Altman Z-Score of 4.55 is near median its 10-year median of 4.78. Over the past 10 years, this metric has ranged from a low of 1.56 to a high of 14.39. The Asset Management industry median Altman Z-Score is 3.56. Administradora de Fondos de Pensiones-Provida's value of 4.55 is 28% above this industry median. Based on the distribution chart, Administradora de Fondos de Pensiones-Provida ranks #276 out of 652 companies in the Asset Management industry, which is above the industry midpoint. Overall, Administradora de Fondos de Pensiones-Provida has a GF Score™ of 83/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Administradora de Fondos de Pensiones-Provida's Altman Z-Score compare to BLK and BX?
According to the Asset Management industry distribution chart, Administradora de Fondos de Pensiones-Provida ranks #276 out of 652 companies for Altman Z-Score. This puts Administradora de Fondos de Pensiones-Provida in the upper half of its industry. The industry median Altman Z-Score is 3.56. Administradora de Fondos de Pensiones-Provida's value of 4.55 is 28% above this benchmark. Historically, Administradora de Fondos de Pensiones-Provida's own Altman Z-Score has ranged from 1.56 to 14.39 over the past decade. While the company's 10-year median is 4.78 vs. the industry median of 3.56, Administradora de Fondos de Pensiones-Provida 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 an Asset Management company?
The median Altman Z-Score among Asset Management companies is 3.56, based on 652 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. Administradora de Fondos de Pensiones-Provida's current Altman Z-Score of 4.55 is 28% 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 Administradora de Fondos de Pensiones-Provida and its competitors. For the Asset Management industry, the median Altman Z-Score is 3.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Administradora de Fondos de Pensiones-Provida's current Altman Z-Score is 4.55, which is near median its own 10-year median of 4.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Administradora de Fondos de Pensiones-Provida stock overvalued right now?
Based on GuruFocus' analysis, Administradora de Fondos de Pensiones-Provida (XSGO:PROVIDA) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP3,609.22, compared to a current price of CLP4,923.10 — trading 36.4% above its estimated fair value. The current Altman Z-Score is 4.55, which is near median its 10-year median of 4.78 and 28% above the Asset Management industry median of 3.56. Administradora de Fondos de Pensiones-Provida's overall GF Score™ is 83/100 with 1 warning sign 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 Administradora de Fondos de Pensiones-Provida (XSGO:PROVIDA), the current Altman Z-Score is 4.55 as of Aug. 08, 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 Administradora de Fondos de Pensiones-Provida (XSGO:PROVIDA) Overvalued in 2026?
Based on GuruFocus' analysis, Administradora de Fondos de Pensiones-Provida stock appears to be overvalued.
The current stock price of CLP4,923.10 is trading 36.4% above its estimated GF Value™ of CLP3,609.22.
GuruFocus considers Administradora de Fondos de Pensiones-Provida to be Significantly Overvalued.
Key valuation signals for XSGO:PROVIDA:
Altman Z-Score: 4.55 (near median its 10-year median of 4.78)
GF Value™: CLP3,609.22 vs. price of CLP4,923.10 (36.4% above fair value)
Industry Position: 28% above the Asset Management median (#276 of 652)
No single metric tells the full story. See the XSGO:PROVIDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Administradora de Fondos de Pensiones-Provida administrates private pension fund. It is in investment and collection of clients' contributions, management of individual capitalization accounts and provision of life and disability benefits. Its services include collection for individual capitalization accounts, voluntary savings accounts, voluntary pension savings, life and disability benefits, investment services, and accounts administration. The company also holds investments in private pension fund administrators operating in Peru, Ecuador, Mexico, and the Dominican Republic.
83GF Score
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