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Step TwoBOM:531509 +6.51%35 Current Ratio is 171.47 as of Mar. 2026, which is 12% above its 10-year median of 153.18. GuruFocus rates BOM:531509 with a GF Score™ of 35/100. The stock has 3 warning signs investors should review. Among 400 Credit Services companies, Step Two ranks better than 84.5% 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. Step Two's current ratio for the quarter that ended in Mar. 2026 was 171.47.
Step Two has a current ratio of 171.47. 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 Step Two's Current Ratio or its related term are showing as below:
BOM:531509'
s Current Ratio Range Over the Past 10 Years
Min: 31.48 Med: 153.18 Max: 2028.8
Current: 171.47
During the past 13 years, Step Two's highest Current Ratio was 2028.80. The lowest was 31.48. And the median was 153.18.
BOM:531509's Current Ratio is ranked better than 84.5% of 400
companies
in the Credit Services industry
Industry Median: 3.945
vs BOM:531509: 171.47
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.
Step Two Current Ratio Related Terms
Step Two Current Ratio Historical Data
* Premium members only.
The historical data trend for Step Two'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:531509 vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, Step Two'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.
Step Two Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Step Two's Current Ratio distribution charts can be found below:
* The bar in red indicates where Step Two'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.
Step Two (BOM:531509) has a Current Ratio of 171.47 as of Mar. 2026. This is 12% above median its historical median of 153.18. Over the past decade, Step Two's Current Ratio has ranged from 31.48 to 2,028.80. According to the industry distribution chart, Step Two ranks #62 out of 400 companies in the Credit Services industry, placing it in the top 15.5%.
Is Step Two's Current Ratio too high?
Step Two's current Current Ratio of 171.47 is 12% above median its 10-year median of 153.18. Over the past 10 years, this metric has ranged from a low of 31.48 to a high of 2,028.80. The Credit Services industry median Current Ratio is 3.95. Step Two's value of 171.47 is 4246.5% above this industry median. Based on the distribution chart, Step Two ranks #62 out of 400 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Step Two has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does Step Two's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Step Two ranks #62 out of 400 companies for Current Ratio. This places Step Two in the top 16% of its industry — outperforming the majority of peers. The industry median Current Ratio is 3.95. Step Two's value of 171.47 is 4246.5% above this benchmark. Historically, Step Two's own Current Ratio has ranged from 31.48 to 2,028.80 over the past decade. While the company's 10-year median is 153.18 vs. the industry median of 3.95, Step Two 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 3.95, based on 400 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. Step Two's current Current Ratio of 171.47 is 4246.5% 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 3.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Step Two's current Current Ratio is 171.47, which is 12% above median its own 10-year median of 153.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Step Two stock overvalued right now?
Step Two (BOM:531509) has a current Current Ratio of 171.47. The current Current Ratio is 171.47, which is 12% above median its 10-year median of 153.18 and 4246.5% above the Credit Services industry median of 3.95. Step Two's overall GF Score™ is 35/100 with 3 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 Step Two (BOM:531509), the current Current Ratio is 171.47 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.
Step Two Corp Ltd is a registered non-banking finance company engaged in the business of providing finance. The Company is engaged in providing Business Loans, and is also engaged in Trading and Investment in Shares & Securities. The majority of the revenue is generated from Interest Income.
35GF Score
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