ECN CapitalECNCF +0.40%48 Current Ratio is 8.79 as of Dec. 2025, which is at its 10-year median of 8.79. GuruFocus rates ECNCF with a GF Score™ of 48/100 and a GF Value™ of $2.41 (Fairly Valued). The stock has 6 warning signs investors should review. Among 47 Banks companies, ECN Capital ranks better than 53.19% 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. ECN Capital's current ratio for the quarter that ended in Dec. 2025 was 8.79.
ECN Capital has a current ratio of 8.79. 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 ECN Capital's Current Ratio or its related term are showing as below:
ECNCF'
s Current Ratio Range Over the Past 10 Years
Min: 0.99 Med: 8.79 Max: 16.22
Current: 8.79
During the past 13 years, ECN Capital's highest Current Ratio was 16.22. The lowest was 0.99. And the median was 8.79.
ECNCF's Current Ratio is ranked better than 53.19% of 47
companies
in the Banks industry
Industry Median: 4.82
vs ECNCF: 8.79
ECN Capital (OTCPK:ECNCF) 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.
ECN Capital Current Ratio Related Terms
ECN Capital Current Ratio Historical Data
* Premium members only.
The historical data trend for ECN Capital'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.
ECNCF vs RKT, FNMA, PFSI: Current Ratio Comparison
For the Mortgage Finance subindustry, ECN Capital'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.
ECN Capital Current Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ECN Capital's Current Ratio distribution charts can be found below:
* The bar in red indicates where ECN Capital'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.
ECN Capital (ECNCF) has a Current Ratio of 8.79 as of Dec. 2025. This is near median its historical median of 8.79. Over the past decade, ECN Capital's Current Ratio has ranged from 0.99 to 16.22. According to the industry distribution chart, ECN Capital ranks #22 out of 47 companies in the Banks industry, placing it in the top 46.8%.
Is ECN Capital's Current Ratio too high?
ECN Capital's current Current Ratio of 8.79 is near median its 10-year median of 8.79. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 16.22. The Banks industry median Current Ratio is 4.82. ECN Capital's value of 8.79 is 82.4% above this industry median. Based on the distribution chart, ECN Capital ranks #22 out of 47 companies in the Banks industry, which is above the industry midpoint. Overall, ECN Capital has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ECN Capital's Current Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, ECN Capital ranks #22 out of 47 companies for Current Ratio. This puts ECN Capital in the upper half of its industry. The industry median Current Ratio is 4.82. ECN Capital's value of 8.79 is 82.4% above this benchmark. Historically, ECN Capital's own Current Ratio has ranged from 0.99 to 16.22 over the past decade. While the company's 10-year median is 8.79 vs. the industry median of 4.82, ECN Capital 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 4.82, based on 47 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. ECN Capital's current Current Ratio of 8.79 is 82.4% 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 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECN Capital's current Current Ratio is 8.79, which is near median its own 10-year median of 8.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECN Capital stock overvalued right now?
Based on GuruFocus' analysis, ECN Capital (ECNCF) is currently considered Fairly Valued. The stock's GF Value™ is $2.41, compared to a current price of $2.26 — trading 6.2% below its estimated fair value. The current Current Ratio is 8.79, which is near median its 10-year median of 8.79 and 82.4% above the Banks industry median of 4.82. ECN Capital's overall GF Score™ is 48/100 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 ECN Capital (ECNCF), the current Current Ratio is 8.79 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 ECN Capital (ECNCF) Overvalued in 2026?
Based on GuruFocus' analysis, ECN Capital stock appears to be undervalued.
The current stock price of $2.26 is trading 6.2% below its estimated GF Value™ of $2.41.
GuruFocus considers ECN Capital to be Fairly Valued.
Key valuation signals for ECNCF:
Current Ratio: 8.79 (near median its 10-year median of 8.79)
GF Value™: $2.41 vs. price of $2.26 (6.2% below fair value)
Industry Position: 82.4% above the Banks median (#22 of 47)
No single metric tells the full story. See the ECNCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ECN Capital Corp is a financial business service provider. The group originates, manages, and advises on credit assets on behalf of its partners, specifically consumer loans and commercial loans. Its operating segments are: Manufactured Housing Finance and Recreational Vehicle and Marine (RV and Marine) Finance. The group generates maximum revenue from the Manufactured Housing Finance segment.
48GF Score
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