Viji FinanceBOM:537820 +1.96%70 Quick Ratio is 15.76 as of Mar. 2026, which is 2571% above its 10-year median of 0.59. GuruFocus rates BOM:537820 with a GF Score™ of 70/100 and a GF Value™ of ₹5.18 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 392 Credit Services companies, Viji Finance ranks better than 62.24% 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. Viji Finance's quick ratio for the quarter that ended in Mar. 2026 was 15.76.
Viji Finance has a quick ratio of 15.76. It generally indicates good short-term financial strength.
The historical rank and industry rank for Viji Finance's Quick Ratio or its related term are showing as below:
BOM:537820'
s Quick Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.59 Max: 30.03
Current: 15.76
During the past 13 years, Viji Finance's highest Quick Ratio was 30.03. The lowest was 0.02. And the median was 0.59.
BOM:537820's Quick Ratio is ranked better than 62.24% of 392
companies
in the Credit Services industry
Industry Median: 4.52
vs BOM:537820: 15.76
Viji Finance (BOM:537820) 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.
Viji Finance Quick Ratio Related Terms
Viji Finance Quick Ratio Historical Data
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The historical data trend for Viji 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, Viji 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.
Viji Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Viji Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Viji 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.
Viji 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.
Viji Finance (BOM:537820) has a Quick Ratio of 15.76 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Viji Finance and its competitors. This is 2571% above median its historical median of 0.59. Over the past decade, Viji Finance's Quick Ratio has ranged from 0.02 to 30.03. According to the industry distribution chart, Viji Finance ranks #148 out of 392 companies in the Credit Services industry, placing it in the top 37.8%.
Is Viji Finance's Quick Ratio too high?
Viji Finance's current Quick Ratio of 15.76 is 2571% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 30.03. The Credit Services industry median Quick Ratio is 4.52. Viji Finance's value of 15.76 is 248.7% above this industry median. Based on the distribution chart, Viji Finance ranks #148 out of 392 companies in the Credit Services industry, which is above the industry midpoint. Overall, Viji Finance has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Viji Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Viji Finance ranks #148 out of 392 companies for Quick Ratio. This puts Viji Finance in the upper half of its industry. The industry median Quick Ratio is 4.52. Viji Finance's value of 15.76 is 248.7% above this benchmark. Historically, Viji Finance's own Quick Ratio has ranged from 0.02 to 30.03 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 4.52, Viji 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 4.52, based on 392 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. Viji Finance's current Quick Ratio of 15.76 is 248.7% 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 Viji Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viji Finance's current Quick Ratio is 15.76, which is 2571% above median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viji Finance stock overvalued right now?
Based on GuruFocus' analysis, Viji Finance (BOM:537820) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.18, compared to a current price of ₹7.27 — trading 40.3% above its estimated fair value. The current Quick Ratio is 15.76, which is 2571% above median its 10-year median of 0.59 and 248.7% above the Credit Services industry median of 4.52. Viji Finance's overall GF Score™ is 70/100 with 4 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 Viji Finance (BOM:537820), the current Quick Ratio is 15.76 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 Viji Finance (BOM:537820) Overvalued in 2026?
Based on GuruFocus' analysis, Viji Finance stock appears to be overvalued.
The current stock price of ₹7.27 is trading 40.3% above its estimated GF Value™ of ₹5.18.
GuruFocus considers Viji Finance to be Significantly Overvalued.
Key valuation signals for BOM:537820:
Quick Ratio: 15.76 (2571% above median its 10-year median of 0.59)
GF Value™: ₹5.18 vs. price of ₹7.27 (40.3% above fair value)
Industry Position: 248.7% above the Credit Services median (#148 of 392)
No single metric tells the full story. See the BOM:537820 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viji Finance Ltd is a non-banking finance company operating in the business segment of financial services. It generates revenue from the Interest and Financial Commission. The company's services include Corporate Finance, Infrastructure Finance, Retail loans, and Personal Finance. It serves individuals and corporations. The firm caters to individuals and corporations by providing them with customized financial products and services that give them access to low-cost finance.
70GF Score
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