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Finbud Financial ServicesNSE:FINBUD +3.39%18 Current Ratio is 3.59 as of Mar. 2026, which is 84% above its 10-year median of 1.95. GuruFocus rates NSE:FINBUD with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 396 Credit Services companies, Finbud Financial Services ranks worse than 53.79% 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. Finbud Financial Services's current ratio for the quarter that ended in Mar. 2026 was 3.59.
Finbud Financial Services has a current ratio of 3.59. 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 Finbud Financial Services's Current Ratio or its related term are showing as below:
NSE:FINBUD'
s Current Ratio Range Over the Past 10 Years
Min: 1.5 Med: 1.95 Max: 3.59
Current: 3.59
During the past 4 years, Finbud Financial Services's highest Current Ratio was 3.59. The lowest was 1.50. And the median was 1.95.
NSE:FINBUD's Current Ratio is ranked worse than 53.79% of 396
companies
in the Credit Services industry
Industry Median: 4.795
vs NSE:FINBUD: 3.59
Finbud Financial Services (NSE:FINBUD) 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.
Finbud Financial Services Current Ratio Related Terms
Finbud Financial Services Current Ratio Historical Data
* 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.
Finbud Financial Services Current Ratio Chart
Finbud Financial Services Annual Data
Trend
Mar23
Mar24
Mar25
Mar26
Current Ratio
1.67
1.50
2.22
3.59
Finbud Financial Services Semi-Annual Data
Mar23
Mar24
Mar25
Mar26
Current Ratio
1.67
1.50
2.22
3.59
NSE:FINBUD vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, Finbud Financial Services'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.
Finbud Financial Services Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's Current Ratio distribution charts can be found below:
* The bar in red indicates where Finbud Financial Services'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.
Finbud Financial Services (NSE:FINBUD) has a Current Ratio of 3.59 as of Mar. 2026. This is 84% above median its historical median of 1.95. Over the past decade, Finbud Financial Services' Current Ratio has ranged from 1.50 to 3.59. According to the industry distribution chart, Finbud Financial Services ranks #213 out of 396 companies in the Credit Services industry, placing it in the top 53.8%.
Is Finbud Financial Services' Current Ratio too high?
Finbud Financial Services' current Current Ratio of 3.59 is 84% above median its 10-year median of 1.95. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 3.59. The Credit Services industry median Current Ratio is 4.80. Finbud Financial Services' value of 3.59 is 25.1% below this industry median. Based on the distribution chart, Finbud Financial Services ranks #213 out of 396 companies in the Credit Services industry, which is below the industry midpoint. Overall, Finbud Financial Services has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #213 out of 396 companies for Current Ratio. This places Finbud Financial Services in the lower half of its industry. The industry median Current Ratio is 4.80. Finbud Financial Services' value of 3.59 is 25.1% below this benchmark. Historically, Finbud Financial Services' own Current Ratio has ranged from 1.50 to 3.59 over the past decade. While the company's 10-year median is 1.95 vs. the industry median of 4.80, Finbud Financial Services 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 4.80, based on 396 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. Finbud Financial Services's current Current Ratio of 3.59 is 25.1% 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 4.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current Current Ratio is 3.59, which is 84% above median its own 10-year median of 1.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current Current Ratio of 3.59. The current Current Ratio is 3.59, which is 84% above median its 10-year median of 1.95 and 25.1% below the Credit Services industry median of 4.80. Finbud Financial Services' overall GF Score™ is 18/100 with 2 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 Finbud Financial Services (NSE:FINBUD), the current Current Ratio is 3.59 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
18GF Score
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