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J.J. FinanceBOM:523062 +5.00%44 Quick Ratio is 60.35 as of Mar. 2026, which is 90% below its 10-year median of 585.22. GuruFocus rates BOM:523062 with a GF Score™ of 44/100 and a GF Value™ of ₹17.13 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 398 Credit Services companies, J.J. Finance ranks better than 76.63% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. J.J. Finance's quick ratio for the quarter that ended in Mar. 2026 was 60.35.
J.J. Finance has a quick ratio of 60.35. It generally indicates good short-term financial strength.
The historical rank and industry rank for J.J. Finance's Quick Ratio or its related term are showing as below:
BOM:523062'
s Quick Ratio Range Over the Past 10 Years
Min: 60.35 Med: 585.22 Max: 14544.57
Current: 60.35
During the past 13 years, J.J. Finance's highest Quick Ratio was 14544.57. The lowest was 60.35. And the median was 585.22.
BOM:523062's Quick Ratio is ranked better than 76.63% of 398
companies
in the Credit Services industry
Industry Median: 3.995
vs BOM:523062: 60.35
J.J. Finance (BOM:523062) 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.
J.J. Finance Quick Ratio Related Terms
J.J. Finance Quick Ratio Historical Data
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The historical data trend for J.J. 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.
For the Credit Services subindustry, J.J. 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.
J.J. Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J.J. Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where J.J. 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.
J.J. 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.
J.J. Finance (BOM:523062) has a Quick Ratio of 60.35 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on J.J. Finance and its competitors. This is 90% below median its historical median of 585.22. Over the past decade, J.J. Finance's Quick Ratio has ranged from 60.35 to 14,544.57. According to the industry distribution chart, J.J. Finance ranks #93 out of 398 companies in the Credit Services industry, placing it in the top 23.4%.
Is J.J. Finance's Quick Ratio too high?
J.J. Finance's current Quick Ratio of 60.35 is 90% below median its 10-year median of 585.22. Over the past 10 years, this metric has ranged from a low of 60.35 to a high of 14,544.57. The Credit Services industry median Quick Ratio is 4.00. J.J. Finance's value of 60.35 is 1410.6% above this industry median. Based on the distribution chart, J.J. Finance ranks #93 out of 398 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, J.J. Finance has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does J.J. Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, J.J. Finance ranks #93 out of 398 companies for Quick Ratio. This places J.J. Finance in the top 23% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 4.00. J.J. Finance's value of 60.35 is 1410.6% above this benchmark. Historically, J.J. Finance's own Quick Ratio has ranged from 60.35 to 14,544.57 over the past decade. While the company's 10-year median is 585.22 vs. the industry median of 4.00, J.J. 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 Credit Services company?
The median Quick Ratio among Credit Services companies is 4.00, based on 398 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. J.J. Finance's current Quick Ratio of 60.35 is 1410.6% 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 J.J. Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J.J. Finance's current Quick Ratio is 60.35, which is 90% below median its own 10-year median of 585.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J.J. Finance stock overvalued right now?
Based on GuruFocus' analysis, J.J. Finance (BOM:523062) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹17.13, compared to a current price of ₹60.48 — trading 253.1% above its estimated fair value. The current Quick Ratio is 60.35, which is 90% below median its 10-year median of 585.22 and 1410.6% above the Credit Services industry median of 4.00. J.J. Finance's overall GF Score™ is 44/100 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 J.J. Finance (BOM:523062), the current Quick Ratio is 60.35 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 J.J. Finance (BOM:523062) Overvalued in 2026?
Based on GuruFocus' analysis, J.J. Finance stock appears to be overvalued.
The current stock price of ₹60.48 is trading 253.1% above its estimated GF Value™ of ₹17.13.
GuruFocus considers J.J. Finance to be Significantly Overvalued.
Key valuation signals for BOM:523062:
Quick Ratio: 60.35 (90% below median its 10-year median of 585.22)
GF Value™: ₹17.13 vs. price of ₹60.48 (253.1% above fair value)
Industry Position: 1410.6% above the Credit Services median (#93 of 398)
No single metric tells the full story. See the BOM:523062 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
J.J. Finance Corp Ltd is a Non-Banking Finance Company. Its main businesses are Electricity Generation, Leasing and Hire purchase, Finance, Real Estate, Investments, and dealing in Shares and Securities. The Company is engaged in investment activities and other financial services, which is the only reportable segment. The company generates revenue from Interest, Dividends, and Profit on the Sale of investments.
44GF Score
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