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India FinsecBOM:535667 -0.48%33 Current Ratio is 3.82 as of Mar. 2026, which is 96% below its 10-year median of 96.85. GuruFocus rates BOM:535667 with a GF Score™ of 33/100. The stock has 6 warning signs investors should review. Among 398 Credit Services companies, India Finsec ranks worse than 51.76% 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. India Finsec's current ratio for the quarter that ended in Mar. 2026 was 3.82.
India Finsec has a current ratio of 3.82. 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 India Finsec's Current Ratio or its related term are showing as below:
BOM:535667'
s Current Ratio Range Over the Past 10 Years
Min: 3.82 Med: 96.85 Max: 179.27
Current: 3.82
During the past 13 years, India Finsec's highest Current Ratio was 179.27. The lowest was 3.82. And the median was 96.85.
BOM:535667's Current Ratio is ranked worse than 51.76% of 398
companies
in the Credit Services industry
Industry Median: 4.52
vs BOM:535667: 3.82
India Finsec (BOM:535667) 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.
India Finsec Current Ratio Related Terms
India Finsec Current Ratio Historical Data
* Premium members only.
The historical data trend for India Finsec'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:535667 vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, India Finsec'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.
India Finsec Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, India Finsec's Current Ratio distribution charts can be found below:
* The bar in red indicates where India Finsec'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.
India Finsec (BOM:535667) has a Current Ratio of 3.82 as of Mar. 2026. This is 96% below median its historical median of 96.85. Over the past decade, India Finsec's Current Ratio has ranged from 3.82 to 179.27. According to the industry distribution chart, India Finsec ranks #206 out of 398 companies in the Credit Services industry, placing it in the top 51.8%.
Is India Finsec's Current Ratio too high?
India Finsec's current Current Ratio of 3.82 is 96% below median its 10-year median of 96.85. Over the past 10 years, this metric has ranged from a low of 3.82 to a high of 179.27. The Credit Services industry median Current Ratio is 4.52. India Finsec's value of 3.82 is 15.5% below this industry median. Based on the distribution chart, India Finsec ranks #206 out of 398 companies in the Credit Services industry, which is below the industry midpoint. Overall, India Finsec has a GF Score™ of 33/100, reflecting its overall financial health beyond just this single metric.
How does India Finsec's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, India Finsec ranks #206 out of 398 companies for Current Ratio. This places India Finsec in the lower half of its industry. The industry median Current Ratio is 4.52. India Finsec's value of 3.82 is 15.5% below this benchmark. Historically, India Finsec's own Current Ratio has ranged from 3.82 to 179.27 over the past decade. While the company's 10-year median is 96.85 vs. the industry median of 4.52, India Finsec has consistently been below 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 4.52, based on 398 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. India Finsec's current Current Ratio of 3.82 is 15.5% below 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 4.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Finsec's current Current Ratio is 3.82, which is 96% below median its own 10-year median of 96.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Finsec stock overvalued right now?
India Finsec (BOM:535667) has a current Current Ratio of 3.82. The current Current Ratio is 3.82, which is 96% below median its 10-year median of 96.85 and 15.5% below the Credit Services industry median of 4.52. India Finsec's overall GF Score™ is 33/100 with 6 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 India Finsec (BOM:535667), the current Current Ratio is 3.82 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.
India Finsec Ltd operates as a non-banking financial company. It is engaged in the business of financing, inter corporate deposits, advancing short-term loans, long-term loans, granting credits to individuals and companies, etc. The company also deals in stocks, shares, and securities. It is engaged in a single segment, i.e., finance/lending.
33GF Score
Get the complete analysis for BOM:535667
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