Austriacard Holdings AGATH:ACAG 88 Quick Ratio is 1.20 as of Dec. 2025, which is 25% above its 10-year median of 0.96. GuruFocus rates ATH:ACAG with a GF Score™ of 88/100 and a GF Value™ of €6.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,863 Software companies, Austriacard Holdings AG ranks worse than 67.45% on this metric.
Austriacard Holdings AG has a quick ratio of 1.20. It generally indicates good short-term financial strength.
The historical rank and industry rank for Austriacard Holdings AG's Quick Ratio or its related term are showing as below:
ATH:ACAG'
s Quick Ratio Range Over the Past 10 Years
Min: 0.65 Med: 0.96 Max: 1.2
Current: 1.2
During the past 7 years, Austriacard Holdings AG's highest Quick Ratio was 1.20. The lowest was 0.65. And the median was 0.96.
ATH:ACAG's Quick Ratio is ranked worse than 67.45% of 2863
companies
in the Software industry
Industry Median: 1.7
vs ATH:ACAG: 1.20
Austriacard Holdings AG (ATH:ACAG) 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.
Austriacard Holdings AG Quick Ratio Related Terms
Austriacard Holdings AG Quick 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.
ATH:ACAG vs IBM, ACN, FISV: Quick Ratio Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG'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.
Austriacard Holdings AG Quick Ratio vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG'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.
Austriacard Holdings AG's Quick Ratio for the fiscal year that ended in Dec. 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.
Austriacard Holdings AG (ATH:ACAG) has a Quick Ratio of 1.20 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Austriacard Holdings AG and its competitors. This is 25% above median its historical median of 0.96. Over the past decade, Austriacard Holdings AG's Quick Ratio has ranged from 0.65 to 1.20. According to the industry distribution chart, Austriacard Holdings AG ranks #1931 out of 2863 companies in the Software industry, placing it in the top 67.4%.
Is Austriacard Holdings AG's Quick Ratio too high?
Austriacard Holdings AG's current Quick Ratio of 1.20 is 25% above median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 1.20. The Software industry median Quick Ratio is 1.70. Austriacard Holdings AG's value of 1.20 is 29.4% below this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #1931 out of 2863 companies in the Software industry, which is below the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's Quick Ratio compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #1931 out of 2863 companies for Quick Ratio. This places Austriacard Holdings AG in the lower half of its industry. The industry median Quick Ratio is 1.70. Austriacard Holdings AG's value of 1.20 is 29.4% below this benchmark. Historically, Austriacard Holdings AG's own Quick Ratio has ranged from 0.65 to 1.20 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 1.70, Austriacard Holdings AG 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 Software company?
The median Quick Ratio among Software companies is 1.70, based on 2,863 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. Austriacard Holdings AG's current Quick Ratio of 1.20 is 29.4% 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 Austriacard Holdings AG and its competitors. For the Software industry, the median Quick Ratio is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current Quick Ratio is 1.20, which is 25% above median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.05, compared to a current price of €9.74 — trading 61% above its estimated fair value. The current Quick Ratio is 1.20, which is 25% above median its 10-year median of 0.96 and 29.4% below the Software industry median of 1.70. Austriacard Holdings AG's overall GF Score™ is 88/100 with 6 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 Austriacard Holdings AG (ATH:ACAG), the current Quick Ratio is 1.20 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.74 is trading 61% above its estimated GF Value™ of €6.05.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
Quick Ratio: 1.20 (25% above median its 10-year median of 0.96)
GF Value™: €6.05 vs. price of €9.74 (61% above fair value)
Industry Position: 29.4% below the Software median (#1931 of 2863)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
88GF Score
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