Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
XXF Group HoldingsHKSE:02473 -12.90%39 Current Ratio is 1.23 as of Dec. 2025, which is 9% above its 10-year median of 1.13. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 8 warning signs investors should review. Among 397 Credit Services companies, XXF Group Holdings ranks worse than 80.86% 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. XXF Group Holdings's current ratio for the quarter that ended in Dec. 2025 was 1.23.
XXF Group Holdings has a current ratio of 1.23. It generally indicates good short-term financial strength.
The historical rank and industry rank for XXF Group Holdings's Current Ratio or its related term are showing as below:
HKSE:02473'
s Current Ratio Range Over the Past 10 Years
Min: 0.87 Med: 1.13 Max: 1.24
Current: 1.23
During the past 6 years, XXF Group Holdings's highest Current Ratio was 1.24. The lowest was 0.87. And the median was 1.13.
HKSE:02473's Current Ratio is ranked worse than 80.86% of 397
companies
in the Credit Services industry
Industry Median: 4.71
vs HKSE:02473: 1.23
XXF Group Holdings (HKSE:02473) 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.
XXF Group Holdings Current Ratio Related Terms
XXF Group Holdings Current Ratio Historical Data
* Premium members only.
The historical data trend for XXF Group Holdings'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.
HKSE:02473 vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, XXF Group Holdings'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.
XXF Group Holdings Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's Current Ratio distribution charts can be found below:
* The bar in red indicates where XXF Group Holdings'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.
XXF Group Holdings (HKSE:02473) has a Current Ratio of 1.23 as of Dec. 2025. This is near median its historical median of 1.13. Over the past decade, XXF Group Holdings' Current Ratio has ranged from 0.87 to 1.24. According to the industry distribution chart, XXF Group Holdings ranks #321 out of 397 companies in the Credit Services industry, placing it in the top 80.9%.
Is XXF Group Holdings' Current Ratio too high?
XXF Group Holdings' current Current Ratio of 1.23 is near median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 1.24. The Credit Services industry median Current Ratio is 4.71. XXF Group Holdings' value of 1.23 is 73.9% below this industry median. Based on the distribution chart, XXF Group Holdings ranks #321 out of 397 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, XXF Group Holdings has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does XXF Group Holdings' Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #321 out of 397 companies for Current Ratio. This places XXF Group Holdings in the lower half of its industry. The industry median Current Ratio is 4.71. XXF Group Holdings' value of 1.23 is 73.9% below this benchmark. Historically, XXF Group Holdings' own Current Ratio has ranged from 0.87 to 1.24 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 4.71, XXF Group Holdings 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 4.71, based on 397 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. XXF Group Holdings's current Current Ratio of 1.23 is 73.9% 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 4.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XXF Group Holdings's current Current Ratio is 1.23, which is near median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XXF Group Holdings stock overvalued right now?
XXF Group Holdings (HKSE:02473) has a current Current Ratio of 1.23. The current Current Ratio is 1.23, which is near median its 10-year median of 1.13 and 73.9% below the Credit Services industry median of 4.71. XXF Group Holdings' overall GF Score™ is 39/100 with 8 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 XXF Group Holdings (HKSE:02473), the current Current Ratio is 1.23 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.
XXF Group Holdings Ltd is an established automobile retailer providing automobile finance lease service through its self-operated sales outlets in the PRC. The Group's principal businesses comprise automobile retail and finance, where it sells non-luxury automobiles mostly on direct finance lease; and automobile-related businesses, where it principally offers automobile operating lease service and other automobile-related services, and (iii) an outright car sales business, where it sells cars on a one-off basis. The Group's revenue is mainly derived from customers in the PRC.
39GF Score
Get the complete analysis for HKSE:02473
Current Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HKSE:02473 has been successfully added to your 
