General CapitalNZSE:GEN +5.66%42 Current Ratio is 70.38 as of Mar. 2026, which is 84% above its 10-year median of 38.25. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 47 Banks companies, General Capital ranks better than 63.83% 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. General Capital's current ratio for the quarter that ended in Mar. 2026 was 70.38.
General Capital has a current ratio of 70.38. 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 General Capital's Current Ratio or its related term are showing as below:
NZSE:GEN'
s Current Ratio Range Over the Past 10 Years
Min: 1.75 Med: 38.25 Max: 182.23
Current: 70.38
During the past 13 years, General Capital's highest Current Ratio was 182.23. The lowest was 1.75. And the median was 38.25.
NZSE:GEN's Current Ratio is ranked better than 63.83% of 47
companies
in the Banks industry
Industry Median: 4.82
vs NZSE:GEN: 70.38
General Capital (NZSE:GEN) 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.
General Capital Current Ratio Related Terms
General Capital Current Ratio Historical Data
* Premium members only.
The historical data trend for General Capital'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.
NZSE:GEN vs RKT, FNMA, PFSI: Current Ratio Comparison
For the Mortgage Finance subindustry, General Capital'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.
General Capital Current Ratio vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's Current Ratio distribution charts can be found below:
* The bar in red indicates where General Capital'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.
General Capital (NZSE:GEN) has a Current Ratio of 70.38 as of Mar. 2026. This is 84% above median its historical median of 38.25. Over the past decade, General Capital's Current Ratio has ranged from 1.75 to 182.23. According to the industry distribution chart, General Capital ranks #17 out of 47 companies in the Banks industry, placing it in the top 36.2%.
Is General Capital's Current Ratio too high?
General Capital's current Current Ratio of 70.38 is 84% above median its 10-year median of 38.25. Over the past 10 years, this metric has ranged from a low of 1.75 to a high of 182.23. The Banks industry median Current Ratio is 4.82. General Capital's value of 70.38 is 1360.2% above this industry median. Based on the distribution chart, General Capital ranks #17 out of 47 companies in the Banks industry, which is above the industry midpoint. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's Current Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #17 out of 47 companies for Current Ratio. This puts General Capital in the upper half of its industry. The industry median Current Ratio is 4.82. General Capital's value of 70.38 is 1360.2% above this benchmark. Historically, General Capital's own Current Ratio has ranged from 1.75 to 182.23 over the past decade. While the company's 10-year median is 38.25 vs. the industry median of 4.82, General Capital 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 Banks company?
The median Current Ratio among Banks companies is 4.82, based on 47 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. General Capital's current Current Ratio of 70.38 is 1360.2% 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 Banks industry, the median Current Ratio is 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current Current Ratio is 70.38, which is 84% above median its own 10-year median of 38.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.97, compared to a current price of NZ$0.28 — trading 71.1% below its estimated fair value. The current Current Ratio is 70.38, which is 84% above median its 10-year median of 38.25 and 1360.2% above the Banks industry median of 4.82. General Capital's overall GF Score™ is 42/100 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 General Capital (NZSE:GEN), the current Current Ratio is 70.38 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.28 is trading 71.1% below its estimated GF Value™ of NZ$0.97.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
Current Ratio: 70.38 (84% above median its 10-year median of 38.25)
GF Value™: NZ$0.97 vs. price of NZ$0.28 (71.1% below fair value)
Industry Position: 1360.2% above the Banks median (#17 of 47)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score
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