IBL FinanceNSE:IBLFL 35 Current Ratio is 12.18 as of Mar. 2026, which is 8% below its 10-year median of 13.18. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review. Among 394 Credit Services companies, IBL Finance ranks better than 57.36% 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. IBL Finance's current ratio for the quarter that ended in Mar. 2026 was 12.18.
IBL Finance has a current ratio of 12.18. 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 IBL Finance's Current Ratio or its related term are showing as below:
NSE:IBLFL'
s Current Ratio Range Over the Past 10 Years
Min: 1.52 Med: 13.18 Max: 14.55
Current: 12.18
During the past 6 years, IBL Finance's highest Current Ratio was 14.55. The lowest was 1.52. And the median was 13.18.
NSE:IBLFL's Current Ratio is ranked better than 57.36% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs NSE:IBLFL: 12.18
IBL Finance (NSE:IBLFL) 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.
IBL Finance Current Ratio Related Terms
IBL Finance Current Ratio Historical Data
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The historical data trend for IBL Finance'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, IBL Finance'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.
IBL Finance Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Current Ratio distribution charts can be found below:
* The bar in red indicates where IBL Finance'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.
IBL Finance (NSE:IBLFL) has a Current Ratio of 12.18 as of Mar. 2026. This is near median its historical median of 13.18. Over the past decade, IBL Finance's Current Ratio has ranged from 1.52 to 14.55. According to the industry distribution chart, IBL Finance ranks #168 out of 394 companies in the Credit Services industry, placing it in the top 42.6%.
Is IBL Finance's Current Ratio too high?
IBL Finance's current Current Ratio of 12.18 is near median its 10-year median of 13.18. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 14.55. The Credit Services industry median Current Ratio is 4.86. IBL Finance's value of 12.18 is 150.9% above this industry median. Based on the distribution chart, IBL Finance ranks #168 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, IBL Finance has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #168 out of 394 companies for Current Ratio. This puts IBL Finance in the upper half of its industry. The industry median Current Ratio is 4.86. IBL Finance's value of 12.18 is 150.9% above this benchmark. Historically, IBL Finance's own Current Ratio has ranged from 1.52 to 14.55 over the past decade. While the company's 10-year median is 13.18 vs. the industry median of 4.86, IBL Finance 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 4.86, 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. IBL Finance's current Current Ratio of 12.18 is 150.9% 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 Credit Services industry, the median Current Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current Current Ratio is 12.18, which is near median its own 10-year median of 13.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBL Finance stock overvalued right now?
IBL Finance (NSE:IBLFL) has a current Current Ratio of 12.18. The current Current Ratio is 12.18, which is near median its 10-year median of 13.18 and 150.9% above the Credit Services industry median of 4.86. IBL Finance's overall GF Score™ is 35/100 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 IBL Finance (NSE:IBLFL), the current Current Ratio is 12.18 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.
IBL Finance Ltd is a fintech-based financial services platform that leverages technology and data science to make lending quick and easy. It has a mobile application that provides instant personal loans which loan up to Rupees 50,000 with tenors of up to 12 months through an entirely digital mobile App-only process. The Company is engaged in one segment only i.e. Loan Segment. The company generates revenue from Interest Income on Loan Portfolio and Loan Processing Fees & Charges.
35GF Score
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