Emerald FinanceBOM:538882 +0.51%78 Quick Ratio is 33.48 as of Mar. 2026, which is 151% above its 10-year median of 13.36. GuruFocus rates BOM:538882 with a GF Score™ of 78/100 and a GF Value™ of ₹95.15 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 393 Credit Services companies, Emerald Finance ranks better than 68.96% 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. Emerald Finance's quick ratio for the quarter that ended in Mar. 2026 was 33.48.
Emerald Finance has a quick ratio of 33.48. It generally indicates good short-term financial strength.
The historical rank and industry rank for Emerald Finance's Quick Ratio or its related term are showing as below:
BOM:538882'
s Quick Ratio Range Over the Past 10 Years
Min: 6.68 Med: 13.36 Max: 33.48
Current: 33.48
During the past 13 years, Emerald Finance's highest Quick Ratio was 33.48. The lowest was 6.68. And the median was 13.36.
BOM:538882's Quick Ratio is ranked better than 68.96% of 393
companies
in the Credit Services industry
Industry Median: 4.44
vs BOM:538882: 33.48
Emerald Finance (BOM:538882) 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.
Emerald Finance Quick Ratio Related Terms
Emerald Finance Quick Ratio Historical Data
* Premium members only.
The historical data trend for Emerald 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, Emerald 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.
Emerald Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Emerald Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Emerald 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.
Emerald 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.
Emerald Finance (BOM:538882) has a Quick Ratio of 33.48 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Emerald Finance and its competitors. This is 151% above median its historical median of 13.36. Over the past decade, Emerald Finance's Quick Ratio has ranged from 6.68 to 33.48. According to the industry distribution chart, Emerald Finance ranks #122 out of 393 companies in the Credit Services industry, placing it in the top 31%.
Is Emerald Finance's Quick Ratio too high?
Emerald Finance's current Quick Ratio of 33.48 is 151% above median its 10-year median of 13.36. Over the past 10 years, this metric has ranged from a low of 6.68 to a high of 33.48. The Credit Services industry median Quick Ratio is 4.44. Emerald Finance's value of 33.48 is 654.1% above this industry median. Based on the distribution chart, Emerald Finance ranks #122 out of 393 companies in the Credit Services industry, which is above the industry midpoint. Overall, Emerald Finance has a GF Score™ of 78/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Emerald Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Emerald Finance ranks #122 out of 393 companies for Quick Ratio. This puts Emerald Finance in the upper half of its industry. The industry median Quick Ratio is 4.44. Emerald Finance's value of 33.48 is 654.1% above this benchmark. Historically, Emerald Finance's own Quick Ratio has ranged from 6.68 to 33.48 over the past decade. While the company's 10-year median is 13.36 vs. the industry median of 4.44, Emerald 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 4.44, based on 393 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. Emerald Finance's current Quick Ratio of 33.48 is 654.1% 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 Emerald Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emerald Finance's current Quick Ratio is 33.48, which is 151% above median its own 10-year median of 13.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emerald Finance stock overvalued right now?
Based on GuruFocus' analysis, Emerald Finance (BOM:538882) is currently considered Possible Value Trap. The stock's GF Value™ is ₹95.15, compared to a current price of ₹55.26 — trading 41.9% below its estimated fair value. The current Quick Ratio is 33.48, which is 151% above median its 10-year median of 13.36 and 654.1% above the Credit Services industry median of 4.44. Emerald Finance's overall GF Score™ is 78/100 with 2 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 Emerald Finance (BOM:538882), the current Quick Ratio is 33.48 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 Emerald Finance (BOM:538882) Overvalued in 2026?
Based on GuruFocus' analysis, Emerald Finance stock appears to be undervalued.
The current stock price of ₹55.26 is trading 41.9% below its estimated GF Value™ of ₹95.15.
GuruFocus considers Emerald Finance to be Possible Value Trap.
Key valuation signals for BOM:538882:
Quick Ratio: 33.48 (151% above median its 10-year median of 13.36)
GF Value™: ₹95.15 vs. price of ₹55.26 (41.9% below fair value)
Industry Position: 654.1% above the Credit Services median (#122 of 393)
No single metric tells the full story. See the BOM:538882 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emerald Finance Ltd operates as a non-banking financial company focused on retail and micro, small, and medium enterprise (MSME) lending. The company acts as a loan origination platform for multiple financial institutions, providing a broad range of financial products including personal loans, business loans, home loans, and early wage access through digital channels. It serves customers mainly in northern and western regions of India, leveraging partnerships with banks and fintech platforms to reach diverse client segments. Revenue is generated from loan disbursements, interest income, and brokerage fees earned by facilitating lending through its network and technology-driven platforms.
78GF Score
Get the complete analysis for BOM:538882
Quick Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:538882 has been successfully added to your 
