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Smart FinsecBOM:539494 -0.37%71 Current Ratio is 189.51 as of Mar. 2026, which is 71% above its 10-year median of 110.57. GuruFocus rates BOM:539494 with a GF Score™ of 71/100 and a GF Value™ of ₹6.77 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 691 Capital Markets companies, Smart Finsec ranks better than 94.65% 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. Smart Finsec's current ratio for the quarter that ended in Mar. 2026 was 189.51.
Smart Finsec has a current ratio of 189.51. 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 Smart Finsec's Current Ratio or its related term are showing as below:
BOM:539494'
s Current Ratio Range Over the Past 10 Years
Min: 5.82 Med: 110.57 Max: 262.57
Current: 189.51
During the past 12 years, Smart Finsec's highest Current Ratio was 262.57. The lowest was 5.82. And the median was 110.57.
BOM:539494's Current Ratio is ranked better than 94.65% of 691
companies
in the Capital Markets industry
Industry Median: 2.27
vs BOM:539494: 189.51
Smart Finsec (BOM:539494) 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.
Smart Finsec Current Ratio Related Terms
Smart Finsec Current Ratio Historical Data
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The historical data trend for Smart 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:539494 vs MS, GS, SCHW: Current Ratio Comparison
For the Capital Markets subindustry, Smart 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.
Smart Finsec Current Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Smart Finsec's Current Ratio distribution charts can be found below:
* The bar in red indicates where Smart 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.
Smart Finsec (BOM:539494) has a Current Ratio of 189.51 as of Mar. 2026. This is 71% above median its historical median of 110.57. Over the past decade, Smart Finsec's Current Ratio has ranged from 5.82 to 262.57. According to the industry distribution chart, Smart Finsec ranks #37 out of 691 companies in the Capital Markets industry, placing it in the top 5.4%.
Is Smart Finsec's Current Ratio too high?
Smart Finsec's current Current Ratio of 189.51 is 71% above median its 10-year median of 110.57. Over the past 10 years, this metric has ranged from a low of 5.82 to a high of 262.57. The Capital Markets industry median Current Ratio is 2.27. Smart Finsec's value of 189.51 is 8248.5% above this industry median. Based on the distribution chart, Smart Finsec ranks #37 out of 691 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Smart Finsec has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Smart Finsec's Current Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, Smart Finsec ranks #37 out of 691 companies for Current Ratio. This places Smart Finsec in the top 5% of its industry — outperforming the majority of peers. The industry median Current Ratio is 2.27. Smart Finsec's value of 189.51 is 8248.5% above this benchmark. Historically, Smart Finsec's own Current Ratio has ranged from 5.82 to 262.57 over the past decade. While the company's 10-year median is 110.57 vs. the industry median of 2.27, Smart Finsec 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 Capital Markets company?
The median Current Ratio among Capital Markets companies is 2.27, based on 691 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. Smart Finsec's current Current Ratio of 189.51 is 8248.5% 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 Capital Markets industry, the median Current Ratio is 2.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smart Finsec's current Current Ratio is 189.51, which is 71% above median its own 10-year median of 110.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Smart Finsec stock overvalued right now?
Based on GuruFocus' analysis, Smart Finsec (BOM:539494) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹6.77, compared to a current price of ₹8.07 — trading 19.2% above its estimated fair value. The current Current Ratio is 189.51, which is 71% above median its 10-year median of 110.57 and 8248.5% above the Capital Markets industry median of 2.27. Smart Finsec's overall GF Score™ is 71/100 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 Smart Finsec (BOM:539494), the current Current Ratio is 189.51 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 Smart Finsec (BOM:539494) Overvalued in 2026?
Based on GuruFocus' analysis, Smart Finsec stock appears to be overvalued.
The current stock price of ₹8.07 is trading 19.2% above its estimated GF Value™ of ₹6.77.
GuruFocus considers Smart Finsec to be Modestly Overvalued.
Key valuation signals for BOM:539494:
Current Ratio: 189.51 (71% above median its 10-year median of 110.57)
GF Value™: ₹6.77 vs. price of ₹8.07 (19.2% above fair value)
Industry Position: 8248.5% above the Capital Markets median (#37 of 691)
No single metric tells the full story. See the BOM:539494 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Smart Finsec Ltd is mainly engaged in the business of lending small loans and investments in stocks, securities and bonds. The Company is a non-deposit taking Non-Banking Finance Company (NBFC) and registered with Reserve Bank of India.
71GF Score
Get the complete analysis for BOM:539494
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