General American Investors Z Score
| GAM Stock | USD 61.28 0.14 0.23% |
What is Altman Z-Score?
The Altman Z-Score is one of the most widely-used financial formulas to predict bankruptcy risk. Developed by Edward Altman in 1968, this model combines five key financial ratios to generate a single score that indicates the likelihood of financial distress within two years.
How to Interpret General American Z-Score
Z-Score above 3.0: Safe zone - Low bankruptcy risk
Z-Score 2.7 - 3.0: Gray zone - Moderate risk
Z-Score 1.8 - 2.7: Warning zone - Elevated risk
Z-Score below 1.8: Distress zone - High bankruptcy risk
Why General American Z-Score Matters
Investors use the Z-Score to assess financial health before making investment decisions. A declining Z-Score over time may signal deteriorating fundamentals, while an improving score suggests strengthening financial position. The model evaluates five critical metrics: working capital to assets, retained earnings to assets, EBIT to assets, market value of equity to total liabilities, and sales to assets.
General American Z-Score Analysis
The module uses available fundamental data of General American to calculate the Altman Z score based on five fundamental metrics from the company's most recent public disclosure documents. Check out
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General Z Score Driver Correlations
Understanding the fundamental principles of building solid financial models for General American is extremely important. It helps to project a fair market value of General Stock properly, considering its historical fundamentals such as Z Score. Since General American's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of General American's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of General American's interrelated accounts and indicators.
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Will Asset Management & Custody Banks sector continue expanding? Could General diversify its offerings? Factors like these will boost the valuation of General American. Market participants price General higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every General American data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.058 | Earnings Share 8.89 | Revenue Per Share | Quarterly Revenue Growth (0.14) | Return On Assets |
The market value of General American Inv is measured differently than its book value, which is the value of General that is recorded on the company's balance sheet. Investors also form their own opinion of General American's value that differs from its market value or its book value, called intrinsic value, which is General American's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because General American's market value can be influenced by many factors that don't directly affect General American's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between General American's value and its price as these two are different measures arrived at by different means. Investors typically determine if General American is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, General American's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
General American 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to General American's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of General American.
| 11/20/2025 |
| 02/18/2026 |
If you would invest 0.00 in General American on November 20, 2025 and sell it all today you would earn a total of 0.00 from holding General American Investors or generate 0.0% return on investment in General American over 90 days. General American is related to or competes with Central Securities, Oxford Lane, FS Credit, Virtus Investment, Tri Continental, First Merchants, and Goldman Sachs. General American Investors Company, Inc. is a publicly owned investment manager More
General American Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure General American's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess General American Investors upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.5393 | |||
| Information Ratio | 0.0895 | |||
| Maximum Drawdown | 2.58 | |||
| Value At Risk | (0.83) | |||
| Potential Upside | 1.24 |
General American Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for General American's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as General American's standard deviation. In reality, there are many statistical measures that can use General American historical prices to predict the future General American's volatility.| Risk Adjusted Performance | 0.1394 | |||
| Jensen Alpha | 0.0721 | |||
| Total Risk Alpha | 0.0638 | |||
| Sortino Ratio | 0.0975 | |||
| Treynor Ratio | 0.175 |
General American February 18, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1394 | |||
| Market Risk Adjusted Performance | 0.185 | |||
| Mean Deviation | 0.4583 | |||
| Semi Deviation | 0.3583 | |||
| Downside Deviation | 0.5393 | |||
| Coefficient Of Variation | 556.2 | |||
| Standard Deviation | 0.5875 | |||
| Variance | 0.3452 | |||
| Information Ratio | 0.0895 | |||
| Jensen Alpha | 0.0721 | |||
| Total Risk Alpha | 0.0638 | |||
| Sortino Ratio | 0.0975 | |||
| Treynor Ratio | 0.175 | |||
| Maximum Drawdown | 2.58 | |||
| Value At Risk | (0.83) | |||
| Potential Upside | 1.24 | |||
| Downside Variance | 0.2909 | |||
| Semi Variance | 0.1283 | |||
| Expected Short fall | (0.50) | |||
| Skewness | 0.3554 | |||
| Kurtosis | 0.2557 |
General American Inv Backtested Returns
As of now, General Stock is very steady. General American Inv holds Efficiency (Sharpe) Ratio of 0.23, which attests that the entity had a 0.23 % return per unit of risk over the last 3 months. We have found twenty-seven technical indicators for General American Inv, which you can use to evaluate the volatility of the firm. Please check out General American's Market Risk Adjusted Performance of 0.185, risk adjusted performance of 0.1394, and Downside Deviation of 0.5393 to validate if the risk estimate we provide is consistent with the expected return of 0.14%. General American has a performance score of 18 on a scale of 0 to 100. The company retains a Market Volatility (i.e., Beta) of 0.55, which attests to possible diversification benefits within a given portfolio. As returns on the market increase, General American's returns are expected to increase less than the market. However, during the bear market, the loss of holding General American is expected to be smaller as well. General American Inv right now retains a risk of 0.6%. Please check out General American potential upside, and the relationship between the sortino ratio and skewness , to decide if General American will be following its current trending patterns.
Auto-correlation | 0.61 |
Good predictability
General American Investors has good predictability. Overlapping area represents the amount of predictability between General American time series from 20th of November 2025 to 4th of January 2026 and 4th of January 2026 to 18th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of General American Inv price movement. The serial correlation of 0.61 indicates that roughly 61.0% of current General American price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.61 | |
| Spearman Rank Test | 0.44 | |
| Residual Average | 0.0 | |
| Price Variance | 0.29 |
To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.
| Competition |
According to the company's disclosures, General American Investors has a Z Score of 0.0. This is 100.0% lower than that of the Capital Markets sector and 100.0% lower than that of the Financials industry. The z score for all United States stocks is 100.0% higher than that of the company.
General American Current Valuation Drivers
We derive many important indicators used in calculating different scores of General American from analyzing General American's financial statements. These drivers represent accounts that assess General American's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of General American's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 742.7M | 577.6M | 651.2M | 1.2B | 943.1M | 922.9M | |
| Enterprise Value | 750.8M | 580.9M | 654.0M | 1.2B | 944.5M | 673.1M |
General American ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, General American's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to General American's managers, analysts, and investors.Environment Score | Governance Score | Social Score |
General Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0051 | ||||
| Profit Margin | 7.30 % | ||||
| Operating Margin | 0.47 % | ||||
| Current Valuation | 1.61 B | ||||
| Shares Outstanding | 23.28 M | ||||
| Shares Owned By Insiders | 8.23 % | ||||
| Shares Owned By Institutions | 32.23 % | ||||
| Number Of Shares Shorted | 18.98 K | ||||
| Price To Earning | 14.46 X | ||||
| Price To Book | 0.96 X | ||||
| Price To Sales | 51.71 X | ||||
| Revenue | 346.06 M | ||||
| Gross Profit | 27.65 M | ||||
| EBITDA | 13.45 M | ||||
| Net Income | 339.84 M | ||||
| Cash And Equivalents | 9.65 K | ||||
| Total Debt | 17.21 M | ||||
| Debt To Equity | 0 % | ||||
| Current Ratio | 0.22 X | ||||
| Book Value Per Share | 64.04 X | ||||
| Short Ratio | 0.43 X | ||||
| Earnings Per Share | 8.89 X | ||||
| Beta | 0.83 | ||||
| Market Capitalization | 1.43 B | ||||
| Total Asset | 1.77 B | ||||
| Retained Earnings | 1.17 B | ||||
| Annual Yield | 0.01 % | ||||
| Net Asset | 1.77 B |
About General American Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze General American Investors's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of General American using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of General American Investors based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Asset Management & Custody Banks sector continue expanding? Could General diversify its offerings? Factors like these will boost the valuation of General American. Market participants price General higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every General American data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.058 | Earnings Share 8.89 | Revenue Per Share | Quarterly Revenue Growth (0.14) | Return On Assets |
The market value of General American Inv is measured differently than its book value, which is the value of General that is recorded on the company's balance sheet. Investors also form their own opinion of General American's value that differs from its market value or its book value, called intrinsic value, which is General American's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because General American's market value can be influenced by many factors that don't directly affect General American's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between General American's value and its price as these two are different measures arrived at by different means. Investors typically determine if General American is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, General American's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.