Webster Financial Stock Z Score

WBS Stock

USD 60.08 0.11 0.18%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Webster Financial Piotroski F Score and Webster Financial Valuation analysis.

For more information on how to buy Webster Stock please use our How to Invest in Webster Financial guide.

At this time, Webster Financial's Capital Surpluse is comparatively stable compared to the past year. Additional Paid In Capital is likely to gain to about 1.4 B in 2024, whereas Capital Stock is likely to drop slightly above 271.5 M in 2024. At this time, Webster Financial's Income Before Tax is comparatively stable compared to the past year. Total Other Income Expense Net is likely to gain to about 1.1 B in 2024, despite the fact that EBIT is likely to grow to (33 M).

Webster Financial Company Z Score Analysis

Webster Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Webster Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Webster Financial is extremely important. It helps to project a fair market value of Webster Stock properly, considering its historical fundamentals such as Z Score. Since Webster Financial'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 Webster Financial'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 Webster Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Good Will	Common Stock	Accounts Payable	Long Term Debt	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		1.0	0.48	0.94	0.98	0.95	-0.36	0.56	0.97	0.23	-0.1	0.7	0.05	-0.93	0.39	0.96	0.98	0.87	0.94	0.01	-0.58	0.78	0.82	0.47
Total Stockholder Equity	1.0		0.48	0.93	0.99	0.95	-0.38	0.56	0.98	0.19	-0.12	0.73	0.02	-0.94	0.43	0.97	0.99	0.88	0.95	-0.01	-0.56	0.77	0.83	0.47
Net Debt	0.48	0.48		0.3	0.42	0.43	0.31	0.97	0.52	0.58	-0.45	0.01	0.56	-0.53	0.08	0.38	0.38	0.23	0.45	-0.06	-0.03	0.2	0.71	0.77
Retained Earnings	0.94	0.93	0.3		0.89	0.86	-0.35	0.4	0.84	0.26	-0.01	0.58	0.05	-0.78	0.2	0.89	0.92	0.77	0.79	0.18	-0.72	0.79	0.64	0.3
Net Receivables	0.98	0.99	0.42	0.89		0.95	-0.47	0.5	0.98	0.12	-0.11	0.8	-0.06	-0.94	0.52	0.98	0.99	0.93	0.98	-0.03	-0.51	0.78	0.83	0.45
Total Liab	0.95	0.95	0.43	0.86	0.95		-0.25	0.49	0.95	0.18	-0.06	0.69	0.05	-0.92	0.41	0.87	0.93	0.81	0.92	-0.13	-0.51	0.74	0.77	0.47
Total Current Assets	-0.36	-0.38	0.31	-0.35	-0.47	-0.25		0.18	-0.37	0.2	-0.27	-0.64	0.35	0.38	-0.62	-0.57	-0.49	-0.73	-0.45	0.04	0.1	-0.58	-0.3	-0.03
Short Term Debt	0.56	0.56	0.97	0.4	0.5	0.49	0.18		0.6	0.62	-0.39	0.1	0.53	-0.59	0.19	0.48	0.48	0.35	0.53	-0.07	-0.15	0.33	0.81	0.81
Good Will	0.97	0.98	0.52	0.84	0.98	0.95	-0.37	0.6		0.13	-0.16	0.78	-0.02	-0.96	0.53	0.95	0.97	0.89	0.99	-0.11	-0.45	0.72	0.87	0.51
Common Stock	0.23	0.19	0.58	0.26	0.12	0.18	0.2	0.62	0.13		-0.02	-0.42	0.87	-0.18	-0.12	0.11	0.15	0.03	0.04	0.12	-0.27	0.27	0.38	0.76
Accounts Payable	-0.1	-0.12	-0.45	-0.01	-0.11	-0.06	-0.27	-0.39	-0.16	-0.02		0.05	0.12	0.09	-0.04	-0.08	-0.07	0.03	-0.15	-0.56	0.06	0.29	-0.19	-0.08
Long Term Debt	0.7	0.73	0.01	0.58	0.8	0.69	-0.64	0.1	0.78	-0.42	0.05		-0.52	-0.71	0.66	0.8	0.78	0.85	0.84	-0.16	-0.27	0.56	0.56	0.05
Short Term Investments	0.05	0.02	0.56	0.05	-0.06	0.05	0.35	0.53	-0.02	0.87	0.12	-0.52		-0.13	-0.35	-0.07	-0.07	-0.16	-0.13	-0.09	0.02	0.11	0.24	0.72
Treasury Stock	-0.93	-0.94	-0.53	-0.78	-0.94	-0.92	0.38	-0.59	-0.96	-0.18	0.09	-0.71	-0.13		-0.46	-0.91	-0.91	-0.87	-0.94	0.2	0.34	-0.75	-0.88	-0.6
Intangible Assets	0.39	0.43	0.08	0.2	0.52	0.41	-0.62	0.19	0.53	-0.12	-0.04	0.66	-0.35	-0.46		0.52	0.53	0.72	0.64	-0.28	-0.12	0.38	0.57	0.34
Property Plant Equipment	0.96	0.97	0.38	0.89	0.98	0.87	-0.57	0.48	0.95	0.11	-0.08	0.8	-0.07	-0.91	0.52		0.98	0.95	0.95	0.03	-0.51	0.8	0.81	0.42
Net Tangible Assets	0.98	0.99	0.38	0.92	0.99	0.93	-0.49	0.48	0.97	0.15	-0.07	0.78	-0.07	-0.91	0.53	0.98		0.93	0.96	-0.01	-0.58	0.8	0.81	0.43
Long Term Debt Total	0.87	0.88	0.23	0.77	0.93	0.81	-0.73	0.35	0.89	0.03	0.03	0.85	-0.16	-0.87	0.72	0.95	0.93		0.93	-0.11	-0.41	0.8	0.78	0.42
Capital Surpluse	0.94	0.95	0.45	0.79	0.98	0.92	-0.45	0.53	0.99	0.04	-0.15	0.84	-0.13	-0.94	0.64	0.95	0.96	0.93		-0.15	-0.42	0.71	0.86	0.47
Long Term Investments	0.01	-0.01	-0.06	0.18	-0.03	-0.13	0.04	-0.07	-0.11	0.12	-0.56	-0.16	-0.09	0.2	-0.28	0.03	-0.01	-0.11	-0.15		-0.39	-0.19	-0.21	-0.23
Short Long Term Debt	-0.58	-0.56	-0.03	-0.72	-0.51	-0.51	0.1	-0.15	-0.45	-0.27	0.06	-0.27	0.02	0.34	-0.12	-0.51	-0.58	-0.41	-0.42	-0.39		-0.46	-0.33	-0.13
Earning Assets	0.78	0.77	0.2	0.79	0.78	0.74	-0.58	0.33	0.72	0.27	0.29	0.56	0.11	-0.75	0.38	0.8	0.8	0.8	0.71	-0.19	-0.46		0.72	0.41
Net Invested Capital	0.82	0.83	0.71	0.64	0.83	0.77	-0.3	0.81	0.87	0.38	-0.19	0.56	0.24	-0.88	0.57	0.81	0.81	0.78	0.86	-0.21	-0.33	0.72		0.77
Capital Stock	0.47	0.47	0.77	0.3	0.45	0.47	-0.03	0.81	0.51	0.76	-0.08	0.05	0.72	-0.6	0.34	0.42	0.43	0.42	0.47	-0.23	-0.13	0.41	0.77

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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

Predict Webster Financial

As per the company's disclosures, Webster Financial has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Webster Financial 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, Webster Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Webster Financial's managers, analysts, and investors.

Environmental

Governance

Social

Webster Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Webster Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Webster Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Webster Financial's value.

		Shares
Geode Capital Management, Llc	2024-06-30	2.9 M
American Century Companies Inc	2024-06-30	2.6 M
Bank Of America Corp	2024-06-30	2.6 M
Bank Of New York Mellon Corp	2024-06-30	2.4 M
Azora Capital Lp	2024-06-30	2.2 M
Davis Asset Management, L.p.	2024-06-30	2 M
Alliancebernstein L.p.	2024-06-30	2 M
Norges Bank	2024-06-30	2 M
Sei Investments Co	2024-06-30	1.8 M
Vanguard Group Inc	2024-06-30	18.1 M
Blackrock Inc	2024-06-30	15.5 M

Webster Fundamentals

	Return On Equity	0.0893
	Return On Asset	0.0102
	Profit Margin	0.33 %
	Operating Margin	0.45 %
	Current Valuation	11.74 B
	Shares Outstanding	171.43 M
	Shares Owned By Insiders	0.90 %
	Shares Owned By Institutions	87.83 %
	Number Of Shares Shorted	3.1 M
	Price To Earning	17.34 X
	Price To Book	1.15 X
	Price To Sales	4.35 X
	Revenue	3.95 B
	Gross Profit	2.19 B
	EBITDA	36.21 M
	Net Income	859.92 M
	Cash And Equivalents	613.12 M
	Cash Per Share	3.52 X
	Total Debt	4.12 B
	Debt To Equity	9.21 %
	Book Value Per Share	52.00 X
	Cash Flow From Operations	978.95 M
	Short Ratio	2.64 X
	Earnings Per Share	4.42 X
	Price To Earnings To Growth	1.93 X
	Target Price	61.33
	Number Of Employees	4.13 K
	Beta	1.26
	Market Capitalization	10.3 B
	Total Asset	75.16 B
	Retained Earnings	3.28 B
	Annual Yield	0.03 %
	Five Year Return	3.17 %
	Net Asset	75.16 B
	Last Dividend Paid	1.6

About Webster Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Webster Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Webster Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Webster Financial 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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Webster Financial Stock Z Score

Webster Financial Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Webster Z Score Driver Correlations

Webster Financial ESG Sustainability

Webster Financial Institutional Holders

Webster Fundamentals

About Webster Financial Fundamental Analysis

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Webster Stock Analysis

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