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India Home LoanBOM:530979 +1.63%59 Quick Ratio is 76.26 as of Mar. 2026, which is 123% above its 10-year median of 34.20. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 46 Banks companies, India Home Loan ranks better than 73.91% 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. India Home Loan's quick ratio for the quarter that ended in Mar. 2026 was 76.26.
India Home Loan has a quick ratio of 76.26. It generally indicates good short-term financial strength.
The historical rank and industry rank for India Home Loan's Quick Ratio or its related term are showing as below:
BOM:530979'
s Quick Ratio Range Over the Past 10 Years
Min: 2.15 Med: 34.2 Max: 190.27
Current: 76.26
During the past 13 years, India Home Loan's highest Quick Ratio was 190.27. The lowest was 2.15. And the median was 34.20.
BOM:530979's Quick Ratio is ranked better than 73.91% of 46
companies
in the Banks industry
Industry Median: 1.685
vs BOM:530979: 76.26
India Home Loan (BOM:530979) 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.
India Home Loan Quick Ratio Related Terms
India Home Loan Quick Ratio Historical Data
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The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: Quick Ratio Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan Quick Ratio vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Quick Ratio distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan'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.
India Home Loan (BOM:530979) has a Quick Ratio of 76.26 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on India Home Loan and its competitors. This is 123% above median its historical median of 34.20. Over the past decade, India Home Loan's Quick Ratio has ranged from 2.15 to 190.27. According to the industry distribution chart, India Home Loan ranks #12 out of 46 companies in the Banks industry, placing it in the top 26.1%.
Is India Home Loan's Quick Ratio too high?
India Home Loan's current Quick Ratio of 76.26 is 123% above median its 10-year median of 34.20. Over the past 10 years, this metric has ranged from a low of 2.15 to a high of 190.27. The Banks industry median Quick Ratio is 1.69. India Home Loan's value of 76.26 is 4425.8% above this industry median. Based on the distribution chart, India Home Loan ranks #12 out of 46 companies in the Banks industry, which is above the industry midpoint. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Quick Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #12 out of 46 companies for Quick Ratio. This puts India Home Loan in the upper half of its industry. The industry median Quick Ratio is 1.69. India Home Loan's value of 76.26 is 4425.8% above this benchmark. Historically, India Home Loan's own Quick Ratio has ranged from 2.15 to 190.27 over the past decade. While the company's 10-year median is 34.20 vs. the industry median of 1.69, India Home Loan 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 1.69, based on 46 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. India Home Loan's current Quick Ratio of 76.26 is 4425.8% 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 India Home Loan and its competitors. For the Banks industry, the median Quick Ratio is 1.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Quick Ratio is 76.26, which is 123% above median its own 10-year median of 34.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current Quick Ratio is 76.26, which is 123% above median its 10-year median of 34.20 and 4425.8% above the Banks industry median of 1.69. India Home Loan's overall GF Score™ is 59/100 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 India Home Loan (BOM:530979), the current Quick Ratio is 76.26 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Quick Ratio: 76.26 (123% above median its 10-year median of 34.20)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
Industry Position: 4425.8% above the Banks median (#12 of 46)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
Quick Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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