ServiceTitan Inc.
TTAN Technology Software Application
ServiceTitan Inc.’s revenue for fiscal 2026 (year ended January 2026) was $961.0 million, up 24.5% from fiscal 2025. In the quarter to July 2026, revenue grew 20.9%, EPS grew 25.7%, free cash flow grew 47.1% and total debt fell 40.3%, each against the same quarter a year earlier.
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ServiceTitan Inc. (TTAN) Altman Z-score
ServiceTitan Inc.'s Altman Z-score for fiscal 2026 is 19.26, in the safe zone (above 2.99).
Altman Z-score, annual
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Annual newest first
| Period | Altman Z-score | Change (points) |
|---|---|---|
| FY2026 | 19.26 | 11.57 |
| FY2025 | 7.69 | — |
How fiscal 2026’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Working capital / total assets | 0.24 | — | 0.29 | |
| Retained earnings / total assets | (0.73) | — | −1.02 | |
| EBIT / total assets | (0.10) | — | −0.32 | |
| Market value of equity / total liabilities | 32.92 | — | 19.75 | |
| Sales / total assets | 0.55 | — | 0.55 | |
| Altman Z-score | Safe zone | 19.26 | ||
| Z″ Variant for non-manufacturing and asset-light companies (drops the sales/assets term, uses book equity) | Safe zone | 5.85 | ||
How the Altman Z-score works
Z = 1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets (Altman, 1968). The market value of equity is the close on the last trading day of the fiscal year times weighted basic shares.
Z″ = 6.56 × working capital ÷ total assets + 3.26 × retained earnings ÷ total assets + 6.72 × EBIT ÷ total assets + 1.05 × book equity ÷ total liabilities (Altman, Hartzell and Peck, 1995), the variant for non-manufacturing and asset-light companies.
| Zone | Z | Z″ |
|---|---|---|
| Safe zone | above 2.99 | above 2.60 |
| Grey zone | 1.81–2.99 | 1.10–2.60 |
| Distress zone | below 1.81 | below 1.10 |
Not worked out for banks, insurers and REITs, whose balance sheets the model does not describe, nor when a figure is missing or there is no share price in the week to the fiscal year end.
Altman Z-score against peers
| Company | Altman Z-score |
|---|---|
| APPF AppFolio, Inc. compare | 37.8× |
| TTAN ServiceTitan Inc. | 19.3× |
| YMM Full Truck Alliance Co. Ltd. Sponsored ADR compare | 13.3× |
| DUOL Duolingo, Inc. compare | 9.0× |
| NICE Nice compare | 5.5× |
| CVLT CommVault Systems, Inc. compare | 1.2× |
| RNG Ringcentral, Inc. compare | 0.7× |
| NAVN Navan, Inc. compare | 0.4× |
| LYFT Lyft, Inc. compare | 0.1× |
What Altman Z-score is
The Altman Z-Score weighs working capital, retained earnings, operating profit, market value and sales against assets and debts to gauge the risk of distress.
1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets