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Unifinz Capital IndiaBOM:541358 -5.00%83 Quick Ratio is 13.14 as of Mar. 2026, which is 20% above its 10-year median of 10.99. GuruFocus rates BOM:541358 with a GF Score™ of 83/100 and a GF Value™ of ₹190.43 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 396 Credit Services companies, Unifinz Capital India ranks better than 59.09% on this metric.
Unifinz Capital India has a quick ratio of 13.14. It generally indicates good short-term financial strength.
The historical rank and industry rank for Unifinz Capital India's Quick Ratio or its related term are showing as below:
BOM:541358'
s Quick Ratio Range Over the Past 10 Years
Min: 0.94 Med: 10.99 Max: 35.85
Current: 13.14
During the past 11 years, Unifinz Capital India's highest Quick Ratio was 35.85. The lowest was 0.94. And the median was 10.99.
BOM:541358's Quick Ratio is ranked better than 59.09% of 396
companies
in the Credit Services industry
Industry Median: 4.27
vs BOM:541358: 13.14
Unifinz Capital India (BOM:541358) 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.
Unifinz Capital India Quick Ratio Related Terms
Unifinz Capital India Quick Ratio Historical Data
* Premium members only.
The historical data trend for Unifinz Capital India'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, Unifinz Capital India'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.
Unifinz Capital India Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Unifinz Capital India's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Unifinz Capital India'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.
Unifinz Capital India'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.
Unifinz Capital India (BOM:541358) has a Quick Ratio of 13.14 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Unifinz Capital India and its competitors. This is 20% above median its historical median of 10.99. Over the past decade, Unifinz Capital India's Quick Ratio has ranged from 0.94 to 35.85. According to the industry distribution chart, Unifinz Capital India ranks #162 out of 396 companies in the Credit Services industry, placing it in the top 40.9%.
Is Unifinz Capital India's Quick Ratio too high?
Unifinz Capital India's current Quick Ratio of 13.14 is 20% above median its 10-year median of 10.99. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 35.85. The Credit Services industry median Quick Ratio is 4.27. Unifinz Capital India's value of 13.14 is 207.7% above this industry median. Based on the distribution chart, Unifinz Capital India ranks #162 out of 396 companies in the Credit Services industry, which is above the industry midpoint. Overall, Unifinz Capital India has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Unifinz Capital India's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Unifinz Capital India ranks #162 out of 396 companies for Quick Ratio. This puts Unifinz Capital India in the upper half of its industry. The industry median Quick Ratio is 4.27. Unifinz Capital India's value of 13.14 is 207.7% above this benchmark. Historically, Unifinz Capital India's own Quick Ratio has ranged from 0.94 to 35.85 over the past decade. While the company's 10-year median is 10.99 vs. the industry median of 4.27, Unifinz Capital India 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 4.27, based on 396 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. Unifinz Capital India's current Quick Ratio of 13.14 is 207.7% 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 Unifinz Capital India and its competitors. For the Credit Services industry, the median Quick Ratio is 4.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unifinz Capital India's current Quick Ratio is 13.14, which is 20% above median its own 10-year median of 10.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unifinz Capital India stock overvalued right now?
Based on GuruFocus' analysis, Unifinz Capital India (BOM:541358) is currently considered Possible Value Trap. The stock's GF Value™ is ₹190.43, compared to a current price of ₹114.95 — trading 39.6% below its estimated fair value. The current Quick Ratio is 13.14, which is 20% above median its 10-year median of 10.99 and 207.7% above the Credit Services industry median of 4.27. Unifinz Capital India's overall GF Score™ is 83/100 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 Unifinz Capital India (BOM:541358), the current Quick Ratio is 13.14 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 Unifinz Capital India (BOM:541358) Overvalued in 2026?
Based on GuruFocus' analysis, Unifinz Capital India stock appears to be undervalued.
The current stock price of ₹114.95 is trading 39.6% below its estimated GF Value™ of ₹190.43.
GuruFocus considers Unifinz Capital India to be Possible Value Trap.
Key valuation signals for BOM:541358:
Quick Ratio: 13.14 (20% above median its 10-year median of 10.99)
GF Value™: ₹190.43 vs. price of ₹114.95 (39.6% below fair value)
Industry Position: 207.7% above the Credit Services median (#162 of 396)
No single metric tells the full story. See the BOM:541358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
83GF Score
Get the complete analysis for BOM:541358
Quick Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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