Smart FinsecBOM:539494 +0.74%76 Quick Ratio is 189.46 as of Mar. 2026, which is 438% above its 10-year median of 35.22. GuruFocus rates BOM:539494 with a GF Score™ of 76/100 and a GF Value™ of ₹6.80 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 690 Capital Markets companies, Smart Finsec ranks better than 95.65% 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. Smart Finsec's quick ratio for the quarter that ended in Mar. 2026 was 189.46.
Smart Finsec has a quick ratio of 189.46. It generally indicates good short-term financial strength.
The historical rank and industry rank for Smart Finsec's Quick Ratio or its related term are showing as below:
BOM:539494'
s Quick Ratio Range Over the Past 10 Years
Min: 5.82 Med: 35.22 Max: 189.46
Current: 189.46
During the past 12 years, Smart Finsec's highest Quick Ratio was 189.46. The lowest was 5.82. And the median was 35.22.
BOM:539494's Quick Ratio is ranked better than 95.65% of 690
companies
in the Capital Markets industry
Industry Median: 2.09
vs BOM:539494: 189.46
Smart Finsec (BOM:539494) 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.
Smart Finsec Quick Ratio Related Terms
Smart Finsec Quick Ratio Historical Data
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The historical data trend for Smart Finsec'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:539494 vs MS, GS, SCHW: Quick Ratio Comparison
For the Capital Markets subindustry, Smart Finsec'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.
Smart Finsec Quick Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Smart Finsec's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Smart Finsec'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.
Smart Finsec'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.
Smart Finsec (BOM:539494) has a Quick Ratio of 189.46 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Smart Finsec and its competitors. This is 438% above median its historical median of 35.22. Over the past decade, Smart Finsec's Quick Ratio has ranged from 5.82 to 189.46. According to the industry distribution chart, Smart Finsec ranks #30 out of 690 companies in the Capital Markets industry, placing it in the top 4.3%.
Is Smart Finsec's Quick Ratio too high?
Smart Finsec's current Quick Ratio of 189.46 is 438% above median its 10-year median of 35.22. Over the past 10 years, this metric has ranged from a low of 5.82 to a high of 189.46. The Capital Markets industry median Quick Ratio is 2.09. Smart Finsec's value of 189.46 is 8965.1% above this industry median. Based on the distribution chart, Smart Finsec ranks #30 out of 690 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Smart Finsec has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Smart Finsec's Quick Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, Smart Finsec ranks #30 out of 690 companies for Quick Ratio. This places Smart Finsec in the top 4% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 2.09. Smart Finsec's value of 189.46 is 8965.1% above this benchmark. Historically, Smart Finsec's own Quick Ratio has ranged from 5.82 to 189.46 over the past decade. While the company's 10-year median is 35.22 vs. the industry median of 2.09, Smart Finsec 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 Capital Markets company?
The median Quick Ratio among Capital Markets companies is 2.09, based on 690 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. Smart Finsec's current Quick Ratio of 189.46 is 8965.1% 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 Smart Finsec and its competitors. For the Capital Markets industry, the median Quick Ratio is 2.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Smart Finsec's current Quick Ratio is 189.46, which is 438% above median its own 10-year median of 35.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Smart Finsec stock overvalued right now?
Based on GuruFocus' analysis, Smart Finsec (BOM:539494) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹6.80, compared to a current price of ₹8.12 — trading 19.4% above its estimated fair value. The current Quick Ratio is 189.46, which is 438% above median its 10-year median of 35.22 and 8965.1% above the Capital Markets industry median of 2.09. Smart Finsec's overall GF Score™ is 76/100 with 3 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 Smart Finsec (BOM:539494), the current Quick Ratio is 189.46 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 Smart Finsec (BOM:539494) Overvalued in 2026?
Based on GuruFocus' analysis, Smart Finsec stock appears to be overvalued.
The current stock price of ₹8.12 is trading 19.4% above its estimated GF Value™ of ₹6.80.
GuruFocus considers Smart Finsec to be Modestly Overvalued.
Key valuation signals for BOM:539494:
Quick Ratio: 189.46 (438% above median its 10-year median of 35.22)
GF Value™: ₹6.80 vs. price of ₹8.12 (19.4% above fair value)
Industry Position: 8965.1% above the Capital Markets median (#30 of 690)
No single metric tells the full story. See the BOM:539494 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Smart Finsec Ltd is mainly engaged in the business of lending small loans and investments in stocks, securities and bonds. The Company is a non-deposit taking Non-Banking Finance Company (NBFC) and registered with Reserve Bank of India.
76GF Score
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