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Ad-Manum FinanceBOM:511359 +0.83%68 Current Ratio is 640.54 as of Mar. 2026, which is 248% above its 10-year median of 184.14. GuruFocus rates BOM:511359 with a GF Score™ of 68/100 and a GF Value™ of ₹78.30 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 396 Credit Services companies, Ad-Manum Finance ranks better than 94.19% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Ad-Manum Finance's current ratio for the quarter that ended in Mar. 2026 was 640.54.
Ad-Manum Finance has a current ratio of 640.54. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Ad-Manum Finance's Current Ratio or its related term are showing as below:
BOM:511359'
s Current Ratio Range Over the Past 10 Years
Min: 2.92 Med: 184.14 Max: 640.54
Current: 640.54
During the past 13 years, Ad-Manum Finance's highest Current Ratio was 640.54. The lowest was 2.92. And the median was 184.14.
BOM:511359's Current Ratio is ranked better than 94.19% of 396
companies
in the Credit Services industry
Industry Median: 4.795
vs BOM:511359: 640.54
Ad-Manum Finance (BOM:511359) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Ad-Manum Finance Current Ratio Related Terms
Ad-Manum Finance Current Ratio Historical Data
* Premium members only.
The historical data trend for Ad-Manum Finance's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:511359 vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, Ad-Manum Finance's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ad-Manum Finance Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ad-Manum Finance's Current Ratio distribution charts can be found below:
* The bar in red indicates where Ad-Manum Finance's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ad-Manum Finance (BOM:511359) has a Current Ratio of 640.54 as of Mar. 2026. This is 248% above median its historical median of 184.14. Over the past decade, Ad-Manum Finance's Current Ratio has ranged from 2.92 to 640.54. According to the industry distribution chart, Ad-Manum Finance ranks #23 out of 396 companies in the Credit Services industry, placing it in the top 5.8%.
Is Ad-Manum Finance's Current Ratio too high?
Ad-Manum Finance's current Current Ratio of 640.54 is 248% above median its 10-year median of 184.14. Over the past 10 years, this metric has ranged from a low of 2.92 to a high of 640.54. The Credit Services industry median Current Ratio is 4.80. Ad-Manum Finance's value of 640.54 is 13258.5% above this industry median. Based on the distribution chart, Ad-Manum Finance ranks #23 out of 396 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ad-Manum Finance has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ad-Manum Finance's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Ad-Manum Finance ranks #23 out of 396 companies for Current Ratio. This places Ad-Manum Finance in the top 6% of its industry — outperforming the majority of peers. The industry median Current Ratio is 4.80. Ad-Manum Finance's value of 640.54 is 13258.5% above this benchmark. Historically, Ad-Manum Finance's own Current Ratio has ranged from 2.92 to 640.54 over the past decade. While the company's 10-year median is 184.14 vs. the industry median of 4.80, Ad-Manum Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.80, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ad-Manum Finance's current Current Ratio of 640.54 is 13258.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ad-Manum Finance's current Current Ratio is 640.54, which is 248% above median its own 10-year median of 184.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ad-Manum Finance stock overvalued right now?
Based on GuruFocus' analysis, Ad-Manum Finance (BOM:511359) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹78.30, compared to a current price of ₹60.50 — trading 22.7% below its estimated fair value. The current Current Ratio is 640.54, which is 248% above median its 10-year median of 184.14 and 13258.5% above the Credit Services industry median of 4.80. Ad-Manum Finance's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Ad-Manum Finance (BOM:511359), the current Current Ratio is 640.54 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ad-Manum Finance (BOM:511359) Overvalued in 2026?
Based on GuruFocus' analysis, Ad-Manum Finance stock appears to be undervalued.
The current stock price of ₹60.50 is trading 22.7% below its estimated GF Value™ of ₹78.30.
GuruFocus considers Ad-Manum Finance to be Modestly Undervalued.
Key valuation signals for BOM:511359:
Current Ratio: 640.54 (248% above median its 10-year median of 184.14)
GF Value™: ₹78.30 vs. price of ₹60.50 (22.7% below fair value)
Industry Position: 13258.5% above the Credit Services median (#23 of 396)
No single metric tells the full story. See the BOM:511359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ad-Manum Finance Ltd is a non-banking finance company which provides financing services for commercial vehicles in India. The company operates through two segments, Financial and Wind Power Generation. It finances various old and new vehicles, such as heavy commercial vehicles, light commercial vehicles, medium commercial vehicles, multi-utility vehicles, and three wheelers. The company derives a majority of revenue from Financial/Investment segment.
68GF Score
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