Usha Financial ServicesNSE:USHAFIN 12 Current Ratio is 419.29 as of Mar. 2026, which is 21852% above its 10-year median of 1.91. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 394 Credit Services companies, Usha Financial Services ranks better than 90.86% 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. Usha Financial Services's current ratio for the quarter that ended in Mar. 2026 was 419.29.
Usha Financial Services has a current ratio of 419.29. 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 Usha Financial Services's Current Ratio or its related term are showing as below:
NSE:USHAFIN'
s Current Ratio Range Over the Past 10 Years
Min: 1.6 Med: 1.91 Max: 419.29
Current: 419.29
During the past 5 years, Usha Financial Services's highest Current Ratio was 419.29. The lowest was 1.60. And the median was 1.91.
NSE:USHAFIN's Current Ratio is ranked better than 90.86% of 394
companies
in the Credit Services industry
Industry Median: 4.985
vs NSE:USHAFIN: 419.29
Usha Financial Services (NSE:USHAFIN) 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.
Usha Financial Services Current Ratio Related Terms
Usha 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.
NSE:USHAFIN vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, Usha 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.
Usha Financial Services Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's Current Ratio distribution charts can be found below:
* The bar in red indicates where Usha 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.
Usha Financial Services (NSE:USHAFIN) has a Current Ratio of 419.29 as of Mar. 2026. This is 21852% above median its historical median of 1.91. Over the past decade, Usha Financial Services' Current Ratio has ranged from 1.60 to 419.29. According to the industry distribution chart, Usha Financial Services ranks #36 out of 394 companies in the Credit Services industry, placing it in the top 9.1%.
Is Usha Financial Services' Current Ratio too high?
Usha Financial Services' current Current Ratio of 419.29 is 21852% above median its 10-year median of 1.91. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 419.29. The Credit Services industry median Current Ratio is 4.99. Usha Financial Services' value of 419.29 is 8311% above this industry median. Based on the distribution chart, Usha Financial Services ranks #36 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #36 out of 394 companies for Current Ratio. This places Usha Financial Services in the top 9% of its industry — outperforming the majority of peers. The industry median Current Ratio is 4.99. Usha Financial Services' value of 419.29 is 8311% above this benchmark. Historically, Usha Financial Services' own Current Ratio has ranged from 1.60 to 419.29 over the past decade. While the company's 10-year median is 1.91 vs. the industry median of 4.99, Usha Financial Services 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 4.99, 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. Usha Financial Services's current Current Ratio of 419.29 is 8311% 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 4.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current Current Ratio is 419.29, which is 21852% above median its own 10-year median of 1.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current Current Ratio of 419.29. The current Current Ratio is 419.29, which is 21852% above median its 10-year median of 1.91 and 8311% above the Credit Services industry median of 4.99. Usha Financial Services' overall GF Score™ is 12/100 with 3 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 Usha Financial Services (NSE:USHAFIN), the current Current Ratio is 419.29 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
12GF Score
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