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fin.altman-z-score Calculator
Calculates the Altman Z-score from five financial ratios and classifies the company in a Safe, Grey, or Distress zone. A Z-score below 1.81 indicates financial distress — Altman found the model correctly predicted 72% of bankruptcies two years before filing.
Inputs
Working Capital
Current assets minus current liabilities. Positive working capital means the business can meet short-term obligations.
Total Assets
Reference formula or conversion factor shown for context.
Retained Earnings
Reference formula or conversion factor shown for context.
Ebit
Reference formula or conversion factor shown for context.
Market Cap
Reference formula or conversion factor shown for context.
Results
Altman Z-score
Bankruptcy prediction score. Above 2.99: safe zone. 1.81–2.99: grey zone (uncertain). Below 1.81: distress zone — high bankruptcy risk. Developed for manufacturing; adjust interpretation for other sectors.
risk zone
Overall risk level based on the computed score or classification. Higher risk may call for mitigating actions or additional review.
bankruptcy probability
Sample size or count used in the calculation.
X1 (WC/TA)
Reference formula or conversion factor shown for context.
X3 (EBIT/TA)
Reference formula or conversion factor shown for context.
Z = 1.2X1+1.4X2+3.3X3+0.6X4+1.0X5
Reference formula or conversion factor shown for context.