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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. Vani Commercials's current ratio for the quarter that ended in Dec. 2025 was 0.00.
Vani Commercials has a current ratio of 0.00. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If Vani Commercials has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for Vani Commercials's Current Ratio or its related term are showing as below:
BOM:538918'
s Current Ratio Range Over the Past 10 Years
Min: 0.23 Med: 137.05 Max: 7016.64
Current: 141.6
During the past 12 years, Vani Commercials's highest Current Ratio was 7016.64. The lowest was 0.23. And the median was 137.05.
BOM:538918's Current Ratio is ranked better than 82.5% of 400
companies
in the Credit Services industry
Industry Median: 3.995
vs BOM:538918: 141.60
Vani Commercials (BOM:538918) 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.
Vani Commercials Current Ratio Related Terms
Vani Commercials Current Ratio Historical Data
* Premium members only.
The historical data trend for Vani Commercials'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:538918 vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, Vani Commercials'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.
Vani Commercials Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vani Commercials's Current Ratio distribution charts can be found below:
* The bar in red indicates where Vani Commercials'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.
Vani Commercials (BOM:538918) has a Current Ratio of 0.00 as of Dec. 2025. Over the past decade, Vani Commercials' Current Ratio has ranged from 0.23 to 7,016.64. According to the industry distribution chart, Vani Commercials ranks #70 out of 400 companies in the Credit Services industry, placing it in the top 17.5%.
Is Vani Commercials' Current Ratio too high?
Vani Commercials' current Current Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 7,016.64. Based on the distribution chart, Vani Commercials ranks #70 out of 400 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Vani Commercials has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vani Commercials' Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Vani Commercials ranks #70 out of 400 companies for Current Ratio. This places Vani Commercials in the top 18% of its industry — outperforming the majority of peers. The industry median Current Ratio is 4.00. Historically, Vani Commercials' own Current Ratio has ranged from 0.23 to 7,016.64 over the past decade. 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 4.00, 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. 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 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vani Commercials's current Current Ratio is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vani Commercials stock overvalued right now?
Based on GuruFocus' analysis, Vani Commercials (BOM:538918) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹11.09, compared to a current price of ₹7.91 — trading 28.7% below its estimated fair value. The current Current Ratio is 0.00. Vani Commercials' overall GF Score™ is 47/100 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 Vani Commercials (BOM:538918), the current Current Ratio is 0.00 as of Dec. 2025. 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 Vani Commercials (BOM:538918) Overvalued in 2026?
Based on GuruFocus' analysis, Vani Commercials stock appears to be undervalued.
The current stock price of ₹7.91 is trading 28.7% below its estimated GF Value™ of ₹11.09.
GuruFocus considers Vani Commercials to be Modestly Undervalued.
Key valuation signals for BOM:538918:
Current Ratio: 0.00
GF Value™: ₹11.09 vs. price of ₹7.91 (28.7% below fair value)
No single metric tells the full story. See the BOM:538918 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vani Commercials Ltd is an India-based non-banking finance company. Its product includes loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, loans for the purchase of commercial property, and lease rental discounting. The company offers its lending services to Micro, Small, and Medium Enterprises. It derives key revenue from the Interest income.
47GF Score
Get the complete analysis for BOM:538918
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