zscore

Calculate Altman Z-Score to predict bankruptcy risk from financial ratios.

2|Updated Mar 6, 2026
One-click install
npx skills add https://github.com/Vaibhavkkm/vkkm-aegis-plugin --skill zscore-vaibhavkkm
Or copy as Structured Prompt for Agent
Please help me install this Agent Skill.
Skill: zscore
Source: https://github.com/Vaibhavkkm/vkkm-aegis-plugin/tree/main/skills/zscore
Command: npx skills add https://github.com/Vaibhavkkm/vkkm-aegis-plugin --skill zscore-vaibhavkkm

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill includes references (resource) components.

What problem does it solve?

This Skill assesses a company's financial health and predicts the probability of bankruptcy within the next 24 months using the established Altman Z-Score model.

Core Features & Use Cases

  • Bankruptcy Prediction: Calculates the Altman Z-Score (or Z' for private companies) to gauge financial distress.
  • Ratio Analysis: Breaks down key financial ratios (Working Capital/Assets, Retained Earnings/Assets, EBIT/Assets, Equity/Liabilities, Revenue/Assets) and identifies the weakest.
  • Improvement Recommendations: Provides three actionable steps to improve the company's financial health and Z-Score.
  • Use Case: A bank can use this Skill to quickly assess the creditworthiness of a loan applicant by inputting their financial statement data.

Quick Start

Calculate the Altman Z-Score for a private company using the provided financial figures.

Frequently Asked Questions about zscore

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I calculate the Altman Z-Score to predict bankruptcy risk?

To predict bankruptcy risk, calculate the Altman Z-Score by analyzing five financial ratios: Working Capital to Total Assets, Retained Earnings to Total Assets, EBIT to Total Assets, Equity to Total Liabilities, and Revenue to Total Assets.

What is a good Altman Z-Score for assessing credit risk?

A good Altman Z-Score for assessing credit risk falls into defined safe zones rather than distress zones. The calculation interprets your final score against these established benchmarks to determine financial health and bankruptcy probability.

How do I calculate bankruptcy risk for a private company?

To calculate bankruptcy risk for a private company, use the modified Z'-Score model. This variation of the Altman model adjusts the standard financial ratio weights to accurately assess private firms.

Can I get specific recommendations to improve a weak financial ratio?

Yes, you can get specific recommendations to improve a weak financial ratio. The analysis identifies your weakest ratio from the Z-Score components and recommends three actionable steps to improve overall financial health.

Does the Altman model show step-by-step workings for financial ratios?

Yes, the Altman model provides step-by-step workings for all financial ratios. It breaks down the calculation for each component, including Working Capital to Total Assets and EBIT to Total Assets, ensuring transparent bankruptcy prediction results.