GIC Housing FinanceBOM:511676 +0.39%57 Quick Ratio is 639.04 as of Mar. 2026, which is 255516% above its 10-year median of 0.25. GuruFocus rates BOM:511676 with a GF Score™ of 57/100 and a GF Value™ of ₹192.57 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 47 Banks companies, GIC Housing Finance ranks better than 89.36% on this metric.
GIC Housing Finance has a quick ratio of 639.04. It generally indicates good short-term financial strength.
The historical rank and industry rank for GIC Housing Finance's Quick Ratio or its related term are showing as below:
BOM:511676'
s Quick Ratio Range Over the Past 10 Years
Min: 0.21 Med: 0.25 Max: 639.04
Current: 639.04
During the past 13 years, GIC Housing Finance's highest Quick Ratio was 639.04. The lowest was 0.21. And the median was 0.25.
BOM:511676's Quick Ratio is ranked better than 89.36% of 47
companies
in the Banks industry
Industry Median: 4.82
vs BOM:511676: 639.04
GIC Housing Finance (BOM:511676) 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.
GIC Housing Finance Quick Ratio Related Terms
GIC Housing Finance Quick Ratio Historical Data
* Premium members only.
The historical data trend for GIC Housing Finance'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.
BOM:511676 vs RKT, FNMA, PFSI: Quick Ratio Comparison
For the Mortgage Finance subindustry, GIC Housing Finance'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.
GIC Housing Finance Quick Ratio vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where GIC Housing Finance'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.
GIC Housing Finance's Quick Ratio for the fiscal year that ended in Mar. 2026 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.
GIC Housing Finance (BOM:511676) has a Quick Ratio of 639.04 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on GIC Housing Finance and its competitors. This is 255516% above median its historical median of 0.25. Over the past decade, GIC Housing Finance's Quick Ratio has ranged from 0.21 to 639.04. According to the industry distribution chart, GIC Housing Finance ranks #5 out of 47 companies in the Banks industry, placing it in the top 10.6%.
Is GIC Housing Finance's Quick Ratio too high?
GIC Housing Finance's current Quick Ratio of 639.04 is 255516% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 639.04. The Banks industry median Quick Ratio is 4.82. GIC Housing Finance's value of 639.04 is 13158.1% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #5 out of 47 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, GIC Housing Finance has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Quick Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #5 out of 47 companies for Quick Ratio. This places GIC Housing Finance in the top 11% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 4.82. GIC Housing Finance's value of 639.04 is 13158.1% above this benchmark. Historically, GIC Housing Finance's own Quick Ratio has ranged from 0.21 to 639.04 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 4.82, GIC Housing Finance 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 Quick Ratio for a Banks company?
The median Quick Ratio among Banks companies is 4.82, based on 47 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. GIC Housing Finance's current Quick Ratio of 639.04 is 13158.1% 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 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 GIC Housing Finance and its competitors. For the Banks industry, the median Quick Ratio is 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Quick Ratio is 639.04, which is 255516% above median its own 10-year median of 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹192.57, compared to a current price of ₹152.60 — trading 20.8% below its estimated fair value. The current Quick Ratio is 639.04, which is 255516% above median its 10-year median of 0.25 and 13158.1% above the Banks industry median of 4.82. GIC Housing Finance's overall GF Score™ is 57/100 with 7 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 GIC Housing Finance (BOM:511676), the current Quick Ratio is 639.04 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 GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹152.60 is trading 20.8% below its estimated GF Value™ of ₹192.57.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Quick Ratio: 639.04 (255516% above median its 10-year median of 0.25)
GF Value™: ₹192.57 vs. price of ₹152.60 (20.8% below fair value)
Industry Position: 13158.1% above the Banks median (#5 of 47)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
57GF Score
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