Phu Nhuan Jewelry JSCSTC:PNJ -0.32%99 Current Ratio is 3.44 as of Mar. 2026, which is 35% above its 10-year median of 2.54. GuruFocus rates STC:PNJ with a GF Score™ of 99/100 and a GF Value™ of ₫70,520.97 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,127 Retail - Cyclical companies, Phu Nhuan Jewelry JSC ranks better than 83.23% 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. Phu Nhuan Jewelry JSC's current ratio for the quarter that ended in Mar. 2026 was 3.44.
Phu Nhuan Jewelry JSC has a current ratio of 3.44. 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 Phu Nhuan Jewelry JSC's Current Ratio or its related term are showing as below:
STC:PNJ'
s Current Ratio Range Over the Past 10 Years
Min: 1.53 Med: 2.54 Max: 5.15
Current: 3.44
During the past 13 years, Phu Nhuan Jewelry JSC's highest Current Ratio was 5.15. The lowest was 1.53. And the median was 2.54.
STC:PNJ's Current Ratio is ranked better than 83.23% of 1127
companies
in the Retail - Cyclical industry
Industry Median: 1.56
vs STC:PNJ: 3.44
Phu Nhuan Jewelry JSC (STC:PNJ) 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.
Phu Nhuan Jewelry JSC Current Ratio Related Terms
Phu Nhuan Jewelry JSC Current Ratio Historical Data
* Premium members only.
The historical data trend for Phu Nhuan Jewelry JSC'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 Luxury Goods subindustry, Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC Current Ratio vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's Current Ratio distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC (STC:PNJ) has a Current Ratio of 3.44 as of Mar. 2026. This is 35% above median its historical median of 2.54. Over the past decade, Phu Nhuan Jewelry JSC's Current Ratio has ranged from 1.53 to 5.15. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #189 out of 1127 companies in the Retail - Cyclical industry, placing it in the top 16.8%.
Is Phu Nhuan Jewelry JSC's Current Ratio too high?
Phu Nhuan Jewelry JSC's current Current Ratio of 3.44 is 35% above median its 10-year median of 2.54. Over the past 10 years, this metric has ranged from a low of 1.53 to a high of 5.15. The Retail - Cyclical industry median Current Ratio is 1.56. Phu Nhuan Jewelry JSC's value of 3.44 is 120.5% above this industry median. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #189 out of 1127 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 99/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's Current Ratio compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #189 out of 1127 companies for Current Ratio. This places Phu Nhuan Jewelry JSC in the top 17% of its industry — outperforming the majority of peers. The industry median Current Ratio is 1.56. Phu Nhuan Jewelry JSC's value of 3.44 is 120.5% above this benchmark. Historically, Phu Nhuan Jewelry JSC's own Current Ratio has ranged from 1.53 to 5.15 over the past decade. While the company's 10-year median is 2.54 vs. the industry median of 1.56, Phu Nhuan Jewelry JSC 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 Retail - Cyclical company?
The median Current Ratio among Retail - Cyclical companies is 1.56, based on 1,127 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. Phu Nhuan Jewelry JSC's current Current Ratio of 3.44 is 120.5% 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 Retail - Cyclical industry, the median Current Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phu Nhuan Jewelry JSC's current Current Ratio is 3.44, which is 35% above median its own 10-year median of 2.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,520.97, compared to a current price of ₫63,000.00 — trading 10.7% below its estimated fair value. The current Current Ratio is 3.44, which is 35% above median its 10-year median of 2.54 and 120.5% above the Retail - Cyclical industry median of 1.56. Phu Nhuan Jewelry JSC's overall GF Score™ is 99/100 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 Phu Nhuan Jewelry JSC (STC:PNJ), the current Current Ratio is 3.44 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 Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫63,000.00 is trading 10.7% below its estimated GF Value™ of ₫70,520.97.
GuruFocus considers Phu Nhuan Jewelry JSC to be Modestly Undervalued.
Key valuation signals for STC:PNJ:
Current Ratio: 3.44 (35% above median its 10-year median of 2.54)
GF Value™: ₫70,520.97 vs. price of ₫63,000.00 (10.7% below fair value)
Industry Position: 120.5% above the Retail - Cyclical median (#189 of 1127)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
99GF Score
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