Generalfinance SpAMIL:GF -0.70%75 Current Ratio is 41.14 as of Mar. 2026, which is 54% above its 10-year median of 26.77. GuruFocus rates MIL:GF with a GF Score™ of 75/100 and a GF Value™ of €16.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 394 Credit Services companies, Generalfinance SpA ranks better than 70.56% 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. Generalfinance SpA's current ratio for the quarter that ended in Mar. 2026 was 41.14.
Generalfinance SpA has a current ratio of 41.14. 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 Generalfinance SpA's Current Ratio or its related term are showing as below:
MIL:GF'
s Current Ratio Range Over the Past 10 Years
Min: 8.48 Med: 26.77 Max: 234.84
Current: 41.14
During the past 8 years, Generalfinance SpA's highest Current Ratio was 234.84. The lowest was 8.48. And the median was 26.77.
MIL:GF's Current Ratio is ranked better than 70.56% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs MIL:GF: 41.14
Generalfinance SpA (MIL:GF) 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.
Generalfinance SpA Current Ratio Related Terms
Generalfinance SpA Current Ratio Historical Data
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The historical data trend for Generalfinance SpA'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.
For the Credit Services subindustry, Generalfinance SpA'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.
Generalfinance SpA Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's Current Ratio distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA'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.
Generalfinance SpA (MIL:GF) has a Current Ratio of 41.14 as of Mar. 2026. This is 54% above median its historical median of 26.77. Over the past decade, Generalfinance SpA's Current Ratio has ranged from 8.48 to 234.84. According to the industry distribution chart, Generalfinance SpA ranks #116 out of 394 companies in the Credit Services industry, placing it in the top 29.4%.
Is Generalfinance SpA's Current Ratio too high?
Generalfinance SpA's current Current Ratio of 41.14 is 54% above median its 10-year median of 26.77. Over the past 10 years, this metric has ranged from a low of 8.48 to a high of 234.84. The Credit Services industry median Current Ratio is 5.06. Generalfinance SpA's value of 41.14 is 713.8% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #116 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #116 out of 394 companies for Current Ratio. This puts Generalfinance SpA in the upper half of its industry. The industry median Current Ratio is 5.06. Generalfinance SpA's value of 41.14 is 713.8% above this benchmark. Historically, Generalfinance SpA's own Current Ratio has ranged from 8.48 to 234.84 over the past decade. While the company's 10-year median is 26.77 vs. the industry median of 5.06, Generalfinance SpA 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 Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 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. Generalfinance SpA's current Current Ratio of 41.14 is 713.8% 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 Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current Current Ratio is 41.14, which is 54% above median its own 10-year median of 26.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.19, compared to a current price of €28.20 — trading 74.2% above its estimated fair value. The current Current Ratio is 41.14, which is 54% above median its 10-year median of 26.77 and 713.8% above the Credit Services industry median of 5.06. Generalfinance SpA's overall GF Score™ is 75/100 with 5 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 Generalfinance SpA (MIL:GF), the current Current Ratio is 41.14 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 Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €28.20 is trading 74.2% above its estimated GF Value™ of €16.19.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
Current Ratio: 41.14 (54% above median its 10-year median of 26.77)
GF Value™: €16.19 vs. price of €28.20 (74.2% above fair value)
Industry Position: 713.8% above the Credit Services median (#116 of 394)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
75GF Score
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