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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.
Warning Sign:
Altman Z-score of 2.33 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.
Inversiones Unespa has a Altman Z-Score of 2.33, indicating it is in Grey Zones. This implies that Inversiones Unespa 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 Inversiones Unespa's Altman Z-Score or its related term are showing as below:
XSGO:UNESPA'
s Altman Z-Score Range Over the Past 10 Years
Min: 2.24 Med: 4.51 Max: 9.55
Current: 2.33
During the past 13 years, Inversiones Unespa's highest Altman Z-Score was 9.55. The lowest was 2.24. And the median was 4.51.
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.
Inversiones Unespa Altman Z-Score Related Terms
Inversiones Unespa Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Inversiones Unespa'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.
XSGO:UNESPA vs CBRE, CSGP, BEKE: Altman Z-Score Comparison
For the Real Estate Services subindustry, Inversiones Unespa'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.
Inversiones Unespa Altman Z-Score vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Inversiones Unespa's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Inversiones Unespa'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.
Inversiones Unespa'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
*
0.0512
+
1.4
*
0.1113
+
3.3
*
0.0757
+
0.6
*
2.9646
+
1.0
*
0.0877
=
2.33
* 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.
Inversiones Unespa (XSGO:UNESPA) has a Altman Z-Score of 2.33 as of Jul. 17, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Inversiones Unespa and its competitors. This is 48% below median its historical median of 4.51. Over the past decade, Inversiones Unespa's Altman Z-Score has ranged from 2.24 to 9.55.
Is Inversiones Unespa's Altman Z-Score too high?
Inversiones Unespa's current Altman Z-Score of 2.33 is 48% below median its 10-year median of 4.51. Over the past 10 years, this metric has ranged from a low of 2.24 to a high of 9.55. The Real Estate industry median Altman Z-Score is 1.32. Inversiones Unespa's value of 2.33 is 77.2% above this industry median. Overall, Inversiones Unespa has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Inversiones Unespa's Altman Z-Score compare to CBRE and CSGP?
Inversiones Unespa's Altman Z-Score of 2.33 can be compared against companies in the Real Estate industry. The industry median Altman Z-Score is 1.32. Inversiones Unespa's value of 2.33 is 77.2% above this benchmark. Historically, Inversiones Unespa's own Altman Z-Score has ranged from 2.24 to 9.55 over the past decade. While the company's 10-year median is 4.51 vs. the industry median of 1.32, Inversiones Unespa 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 Real Estate company?
The median Altman Z-Score among Real Estate companies is 1.32, based on 1,730 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. Inversiones Unespa's current Altman Z-Score of 2.33 is 77.2% 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 Inversiones Unespa and its competitors. For the Real Estate industry, the median Altman Z-Score is 1.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Inversiones Unespa's current Altman Z-Score is 2.33, which is 48% below median its own 10-year median of 4.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Inversiones Unespa stock overvalued right now?
Inversiones Unespa (XSGO:UNESPA) has a current Altman Z-Score of 2.33. The stock's GF Value™ is CLP403.86, compared to a current price of CLP386.00 — trading 4.4% below its estimated fair value. The current Altman Z-Score is 2.33, which is 48% below median its 10-year median of 4.51 and 77.2% above the Real Estate industry median of 1.32. Inversiones Unespa's overall GF Score™ is 12/100 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 Inversiones Unespa (XSGO:UNESPA), the current Altman Z-Score is 2.33 as of Jul. 17, 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 Inversiones Unespa (XSGO:UNESPA) Overvalued in 2026?
Based on GuruFocus' analysis, Inversiones Unespa stock appears to be undervalued.
The current stock price of CLP386.00 is trading 4.4% below its estimated GF Value™ of CLP403.86.
Key valuation signals for XSGO:UNESPA:
Altman Z-Score: 2.33 (48% below median its 10-year median of 4.51)
GF Value™: CLP403.86 vs. price of CLP386.00 (4.4% below fair value)
Industry Position: 77.2% above the Real Estate median
No single metric tells the full story. See the XSGO:UNESPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Inversiones Unespa SA is engaged in investment activities of all types of movable and immovable, tangible and intangible property, mainly in shares, rights in societies and values of any kind.
12GF Score
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