GIC Housing FinanceBOM:511676 +1.57%57 Current Ratio is 639.04 as of Mar. 2026, which is 255516% above its 10-year median of 0.25. GuruFocus rates BOM:511676 with a GF Score™ of 57/100 and a GF Value™ of ₹192.57 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 47 Banks companies, GIC Housing Finance ranks better than 87.23% 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. GIC Housing Finance's current ratio for the quarter that ended in Mar. 2026 was 639.04.
GIC Housing Finance has a current ratio of 639.04. 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 GIC Housing Finance's Current Ratio or its related term are showing as below:
BOM:511676'
s Current Ratio Range Over the Past 10 Years
Min: 0.21 Med: 0.25 Max: 639.04
Current: 639.04
During the past 13 years, GIC Housing Finance's highest Current Ratio was 639.04. The lowest was 0.21. And the median was 0.25.
BOM:511676's Current Ratio is ranked better than 87.23% of 47
companies
in the Banks industry
Industry Median: 4.82
vs BOM:511676: 639.04
GIC Housing Finance (BOM:511676) 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.
GIC Housing Finance Current Ratio Related Terms
GIC Housing Finance Current Ratio Historical Data
* Premium members only.
The historical data trend for GIC Housing 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:511676 vs RKT, FNMA, PFSI: Current Ratio Comparison
For the Mortgage Finance subindustry, GIC Housing 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.
GIC Housing Finance Current Ratio vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Current Ratio distribution charts can be found below:
* The bar in red indicates where GIC Housing 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.
GIC Housing Finance (BOM:511676) has a Current Ratio of 639.04 as of Mar. 2026. This is 255516% above median its historical median of 0.25. Over the past decade, GIC Housing Finance's Current Ratio has ranged from 0.21 to 639.04. According to the industry distribution chart, GIC Housing Finance ranks #6 out of 47 companies in the Banks industry, placing it in the top 12.8%.
Is GIC Housing Finance's Current Ratio too high?
GIC Housing Finance's current Current Ratio of 639.04 is 255516% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 639.04. The Banks industry median Current Ratio is 4.82. GIC Housing Finance's value of 639.04 is 13158.1% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #6 out of 47 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, GIC Housing Finance has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Current Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #6 out of 47 companies for Current Ratio. This places GIC Housing Finance in the top 13% of its industry — outperforming the majority of peers. The industry median Current Ratio is 4.82. GIC Housing Finance's value of 639.04 is 13158.1% above this benchmark. Historically, GIC Housing Finance's own Current Ratio has ranged from 0.21 to 639.04 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 4.82, GIC Housing 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 Banks company?
The median Current Ratio among Banks companies is 4.82, based on 47 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. GIC Housing Finance's current Current Ratio of 639.04 is 13158.1% 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 Banks industry, the median Current Ratio is 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Current Ratio is 639.04, which is 255516% above median its own 10-year median of 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹192.57, compared to a current price of ₹155.00 — trading 19.5% below its estimated fair value. The current Current Ratio is 639.04, which is 255516% above median its 10-year median of 0.25 and 13158.1% above the Banks industry median of 4.82. GIC Housing Finance's overall GF Score™ is 57/100 with 7 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 GIC Housing Finance (BOM:511676), the current Current Ratio is 639.04 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 GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹155.00 is trading 19.5% below its estimated GF Value™ of ₹192.57.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Current Ratio: 639.04 (255516% above median its 10-year median of 0.25)
GF Value™: ₹192.57 vs. price of ₹155.00 (19.5% below fair value)
Industry Position: 13158.1% above the Banks median (#6 of 47)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
57GF Score
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