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Muninova HoldingsAIFLY 65 Quick Ratio is 1.62 as of Dec. 2025, which is 6% below its 10-year median of 1.72. GuruFocus rates AIFLY with a GF Score™ of 65/100 and a GF Value™ of $1.64. The stock has 5 warning signs investors should review. Among 400 Credit Services companies, Muninova Holdings ranks worse than 68.5% on this metric.
Muninova Holdings (OTCPK:AIFLY) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Muninova Holdings Quick Ratio Related Terms
Muninova Holdings Quick Ratio Historical Data
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The historical data trend for Muninova Holdings's Quick 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, Muninova Holdings's Quick Ratio, along with its competitors' market caps and Quick 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.
Muninova Holdings Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muninova Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Muninova Holdings's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Muninova Holdings's Quick Ratio for the fiscal year that ended in Mar. 2025 is calculated as
* 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.
Muninova Holdings (AIFLY) has a Quick Ratio of 1.62 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Muninova Holdings and its competitors. This is near median its historical median of 1.72. Over the past decade, Muninova Holdings' Quick Ratio has ranged from 1.56 to 2.27. According to the industry distribution chart, Muninova Holdings ranks #274 out of 400 companies in the Credit Services industry, placing it in the top 68.5%.
Is Muninova Holdings' Quick Ratio too high?
Muninova Holdings' current Quick Ratio of 1.62 is near median its 10-year median of 1.72. Over the past 10 years, this metric has ranged from a low of 1.56 to a high of 2.27. The Credit Services industry median Quick Ratio is 3.69. Muninova Holdings' value of 1.62 is 56% below this industry median. Based on the distribution chart, Muninova Holdings ranks #274 out of 400 companies in the Credit Services industry, which is below the industry midpoint. Overall, Muninova Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Muninova Holdings ranks #274 out of 400 companies for Quick Ratio. This places Muninova Holdings in the lower half of its industry. The industry median Quick Ratio is 3.69. Muninova Holdings' value of 1.62 is 56% below this benchmark. Historically, Muninova Holdings' own Quick Ratio has ranged from 1.56 to 2.27 over the past decade. While the company's 10-year median is 1.72 vs. the industry median of 3.69, Muninova Holdings 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 3.69, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muninova Holdings's current Quick Ratio of 1.62 is 56% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Muninova Holdings and its competitors. For the Credit Services industry, the median Quick Ratio is 3.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muninova Holdings's current Quick Ratio is 1.62, which is near median its own 10-year median of 1.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current Quick Ratio of 1.62. The stock's GF Value™ is $1.64, compared to a current price of $1.40 — trading 14.6% below its estimated fair value. The current Quick Ratio is 1.62, which is near median its 10-year median of 1.72 and 56% below the Credit Services industry median of 3.69. Muninova Holdings' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Muninova Holdings (AIFLY), the current Quick Ratio is 1.62 as of Dec. 2025. 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 Muninova Holdings (AIFLY) Overvalued in 2026?
Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued.
The current stock price of $1.40 is trading 14.6% below its estimated GF Value™ of $1.64.
Key valuation signals for AIFLY:
Quick Ratio: 1.62 (near median its 10-year median of 1.72)
GF Value™: $1.64 vs. price of $1.40 (14.6% below fair value)
Industry Position: 56% below the Credit Services median (#274 of 400)
No single metric tells the full story. See the AIFLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score
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