What Are Financial Scores?
Financial scores are quantitative metrics that assess a company's financial health, stability, and investment quality. These scores combine multiple financial ratios and indicators into single values that help investors quickly evaluate bankruptcy risk, fundamental strength, and overall financial performance. Our free financial scores calculator provides Altman Z-Score and Piotroski Score calculations for any publicly traded company.
How to Use This Financial Scores Tool
- 1
Enter a Ticker Symbol
Type any stock ticker symbol (e.g., "AAPL", "TSLA", "MSFT") into the Symbol field and click Search or press Enter.
- 2
Review Financial Scores
Analyze the Altman Z-Score for bankruptcy risk assessment and the Piotroski Score for fundamental strength evaluation.
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Examine Key Metrics
Review supporting financial data including working capital, total assets, retained earnings, EBIT, market cap, and revenue.
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Export for Analysis
Click Export CSV to download the financial scores data for further analysis in Excel, Google Sheets, or your preferred tool.
Key Financial Scores Explained
Altman Z-Score
A bankruptcy prediction model that combines five financial ratios. Scores above 3.0 indicate low bankruptcy risk, 1.8-3.0 suggest moderate risk, and below 1.8 signal high risk of bankruptcy.
Piotroski Score
A 9-point scale that measures a company's financial strength across profitability, liquidity, and operating efficiency. Scores of 8-9 indicate strong fundamentals, while 0-2 suggests weak financial health.
Working Capital
Current assets minus current liabilities. Positive working capital indicates a company can meet short-term obligations, while negative values may signal liquidity problems.
Total Assets
The total value of everything a company owns. Used in calculating financial ratios and assessing company size and scale relative to industry peers.
Retained Earnings
Cumulative net income retained in the business after dividends. Negative retained earnings indicate a company has paid out more in dividends than it has earned over its lifetime.
EBIT
Earnings Before Interest and Taxes. Measures operating profitability before the impact of financing decisions and tax considerations. Key component in Altman Z-Score calculation.
How to Interpret Financial Scores
Altman Z-Score Interpretation
Above 3.0: Safe zone - Low probability of bankruptcy
1.8 to 3.0: Grey zone - Moderate risk, monitor closely
Below 1.8: Distress zone - High risk of bankruptcy
Piotroski Score Interpretation
8-9 points: Strong fundamentals - Value stock candidate
5-7 points: Average financial health
0-4 points: Weak fundamentals - Potential red flags