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SRG Housing FinanceBOM:534680 -5.19%76 Current Ratio is 204.38 as of Mar. 2026, which is 18148% above its 10-year median of 1.12. GuruFocus rates BOM:534680 with a GF Score™ of 76/100 and a GF Value™ of ₹438.35 (Possible Value Trap). The stock has 10 warning signs investors should review. Among 46 Banks companies, SRG Housing Finance ranks better than 82.61% 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. SRG Housing Finance's current ratio for the quarter that ended in Mar. 2026 was 204.38.
SRG Housing Finance has a current ratio of 204.38. 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 SRG Housing Finance's Current Ratio or its related term are showing as below:
BOM:534680'
s Current Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.12 Max: 204.38
Current: 204.38
During the past 13 years, SRG Housing Finance's highest Current Ratio was 204.38. The lowest was 0.80. And the median was 1.12.
BOM:534680's Current Ratio is ranked better than 82.61% of 46
companies
in the Banks industry
Industry Median: 1.705
vs BOM:534680: 204.38
SRG Housing Finance (BOM:534680) 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.
SRG Housing Finance Current Ratio Related Terms
SRG Housing Finance Current Ratio Historical Data
* Premium members only.
The historical data trend for SRG 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:534680 vs RKT, FNMA, PFSI: Current Ratio Comparison
For the Mortgage Finance subindustry, SRG 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.
SRG Housing Finance Current Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's Current Ratio distribution charts can be found below:
* The bar in red indicates where SRG 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.
SRG Housing Finance (BOM:534680) has a Current Ratio of 204.38 as of Mar. 2026. This is 18148% above median its historical median of 1.12. Over the past decade, SRG Housing Finance's Current Ratio has ranged from 0.80 to 204.38. According to the industry distribution chart, SRG Housing Finance ranks #8 out of 46 companies in the Banks industry, placing it in the top 17.4%.
Is SRG Housing Finance's Current Ratio too high?
SRG Housing Finance's current Current Ratio of 204.38 is 18148% above median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 204.38. The Banks industry median Current Ratio is 1.71. SRG Housing Finance's value of 204.38 is 11887.1% above this industry median. Based on the distribution chart, SRG Housing Finance ranks #8 out of 46 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SRG Housing Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's Current Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #8 out of 46 companies for Current Ratio. This places SRG Housing Finance in the top 17% of its industry — outperforming the majority of peers. The industry median Current Ratio is 1.71. SRG Housing Finance's value of 204.38 is 11887.1% above this benchmark. Historically, SRG Housing Finance's own Current Ratio has ranged from 0.80 to 204.38 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 1.71, SRG 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 1.71, based on 46 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. SRG Housing Finance's current Current Ratio of 204.38 is 11887.1% 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 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SRG Housing Finance's current Current Ratio is 204.38, which is 18148% above median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹438.35, compared to a current price of ₹296.75 — trading 32.3% below its estimated fair value. The current Current Ratio is 204.38, which is 18148% above median its 10-year median of 1.12 and 11887.1% above the Banks industry median of 1.71. SRG Housing Finance's overall GF Score™ is 76/100 with 10 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 SRG Housing Finance (BOM:534680), the current Current Ratio is 204.38 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 SRG Housing Finance (BOM:534680) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹296.75 is trading 32.3% below its estimated GF Value™ of ₹438.35.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:534680:
Current Ratio: 204.38 (18148% above median its 10-year median of 1.12)
GF Value™: ₹438.35 vs. price of ₹296.75 (32.3% below fair value)
Industry Position: 11887.1% above the Banks median (#8 of 46)
No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
76GF Score
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