Altman Z-Score bankruptcy model API

Compute the Altman Z-Score (1968) for public manufacturers: Z = 1.2·WC/TA + 1.4·RE/TA + 3.3·EBIT/TA + 0.6·MVE/TL + 1.0·Sales/TA, with safe/grey/distress zones and a per-factor contribution breakdown. Deterministic bankruptcy-risk math LLMs get wrong. Answers 'what is this company's Altman Z-Score','is this firm at risk of bankruptcy','is the Z-Score in the distress zone'.

Price$0.016per request

MethodPOST

Route/v1/score/credit-altman-z

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

scorecreditaltmanz-scorebankruptcydistressriskfundamentals

API URLhttps://x402.hexl.dev/v1/score/credit-altman-z

Integration docs

Example request

{
  "workingCapital": 200,
  "retainedEarnings": 300,
  "ebit": 150,
  "marketValueEquity": 900,
  "totalLiabilities": 400,
  "sales": 1000,
  "totalAssets": 1000
}

Example response

{
  "model": "Altman Z-Score (1968)",
  "zScore": 3.505,
  "zone": "safe",
  "interpretation": "Low bankruptcy risk",
  "breakdown": [
    {
      "factor": "X1 working-capital/assets",
      "value": 0.2,
      "weight": 1.2,
      "contribution": 0.24
    },
    {
      "factor": "X2 retained-earnings/assets",
      "value": 0.3,
      "weight": 1.4,
      "contribution": 0.42
    },
    {
      "factor": "X3 EBIT/assets",
      "value": 0.15,
      "weight": 3.3,
      "contribution": 0.495
    },
    {
      "factor": "X4 mkt-equity/liabilities",
      "value": 2.25,
      "weight": 0.6,
      "contribution": 1.35
    },
    {
      "factor": "X5 sales/assets",
      "value": 1,
      "weight": 1,
      "contribution": 1
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "workingCapital",
    "retainedEarnings",
    "ebit",
    "marketValueEquity",
    "totalLiabilities",
    "sales",
    "totalAssets"
  ],
  "properties": {
    "workingCapital": {
      "type": "number",
      "examples": [
        200
      ]
    },
    "retainedEarnings": {
      "type": "number",
      "examples": [
        300
      ]
    },
    "ebit": {
      "type": "number",
      "description": "Earnings before interest & taxes",
      "examples": [
        150
      ]
    },
    "marketValueEquity": {
      "type": "number",
      "description": "Market value of equity",
      "examples": [
        900
      ]
    },
    "totalLiabilities": {
      "type": "number",
      "examples": [
        400
      ]
    },
    "sales": {
      "type": "number",
      "examples": [
        1000
      ]
    },
    "totalAssets": {
      "type": "number",
      "examples": [
        1000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}