Royal ExchangeNSA:ROYALEX -9.66%9 Current Ratio is 1.82 as of Dec. 2025, which is 35% below its 10-year median of 2.82. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 67 Insurance companies, Royal Exchange ranks better than 58.21% 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. Royal Exchange's current ratio for the quarter that ended in Dec. 2025 was 1.82.
Royal Exchange has a current ratio of 1.82. It generally indicates good short-term financial strength.
The historical rank and industry rank for Royal Exchange's Current Ratio or its related term are showing as below:
NSA:ROYALEX'
s Current Ratio Range Over the Past 10 Years
Min: 0.45 Med: 2.82 Max: 7.23
Current: 1.82
During the past 13 years, Royal Exchange's highest Current Ratio was 7.23. The lowest was 0.45. And the median was 2.82.
NSA:ROYALEX's Current Ratio is ranked better than 58.21% of 67
companies
in the Insurance industry
Industry Median: 1.67
vs NSA:ROYALEX: 1.82
Royal Exchange (NSA:ROYALEX) 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.
Royal Exchange Current Ratio Related Terms
Royal Exchange Current Ratio Historical Data
* Premium members only.
The historical data trend for Royal Exchange'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.
NSA:ROYALEX vs BRK.A, AIG, HIG: Current Ratio Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange Current Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's Current Ratio distribution charts can be found below:
* The bar in red indicates where Royal Exchange'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.
Royal Exchange (NSA:ROYALEX) has a Current Ratio of 1.82 as of Dec. 2025. This is 35% below median its historical median of 2.82. Over the past decade, Royal Exchange's Current Ratio has ranged from 0.45 to 7.23. According to the industry distribution chart, Royal Exchange ranks #28 out of 67 companies in the Insurance industry, placing it in the top 41.8%.
Is Royal Exchange's Current Ratio too high?
Royal Exchange's current Current Ratio of 1.82 is 35% below median its 10-year median of 2.82. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 7.23. The Insurance industry median Current Ratio is 1.67. Royal Exchange's value of 1.82 is 9% above this industry median. Based on the distribution chart, Royal Exchange ranks #28 out of 67 companies in the Insurance industry, which is above the industry midpoint. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's Current Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #28 out of 67 companies for Current Ratio. This puts Royal Exchange in the upper half of its industry. The industry median Current Ratio is 1.67. Royal Exchange's value of 1.82 is 9% above this benchmark. Historically, Royal Exchange's own Current Ratio has ranged from 0.45 to 7.23 over the past decade. While the company's 10-year median is 2.82 vs. the industry median of 1.67, Royal Exchange 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 an Insurance company?
The median Current Ratio among Insurance companies is 1.67, based on 67 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. Royal Exchange's current Current Ratio of 1.82 is 9% 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 Insurance industry, the median Current Ratio is 1.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Royal Exchange's current Current Ratio is 1.82, which is 35% below median its own 10-year median of 2.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current Current Ratio of 1.82. The current Current Ratio is 1.82, which is 35% below median its 10-year median of 2.82 and 9% above the Insurance industry median of 1.67. Royal Exchange's overall GF Score™ is 9/100 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 Royal Exchange (NSA:ROYALEX), the current Current Ratio is 1.82 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
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