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Genertec Universal Medical Group Co (FRA:5UM) 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.
Genertec Universal Medical Group Co Quick Ratio Related Terms
Genertec Universal Medical Group Co Quick Ratio Historical Data
* 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.
Genertec Universal Medical Group Co Quick Ratio Chart
For the Credit Services subindustry, Genertec Universal Medical Group Co'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.
Genertec Universal Medical Group Co Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Genertec Universal Medical Group Co's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Genertec Universal Medical Group Co's Quick Ratio falls into.
Genertec Universal Medical Group Co Quick Ratio Calculation
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.
* 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.
Genertec Universal Medical Group Co (FRA:5UM) has a Quick Ratio of 1.33 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Genertec Universal Medical Group Co and its competitors. This is 23% above median its historical median of 1.08. Over the past decade, Genertec Universal Medical Group Co's Quick Ratio has ranged from 0.93 to 1.33. According to the industry distribution chart, Genertec Universal Medical Group Co ranks #299 out of 401 companies in the Credit Services industry, placing it in the top 74.6%.
Is Genertec Universal Medical Group Co's Quick Ratio too high?
Genertec Universal Medical Group Co's current Quick Ratio of 1.33 is 23% above median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 1.33. The Credit Services industry median Quick Ratio is 3.42. Genertec Universal Medical Group Co's value of 1.33 is 61.1% below this industry median. Based on the distribution chart, Genertec Universal Medical Group Co ranks #299 out of 401 companies in the Credit Services industry, which is below the industry midpoint. Overall, Genertec Universal Medical Group Co has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Genertec Universal Medical Group Co's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Genertec Universal Medical Group Co ranks #299 out of 401 companies for Quick Ratio. This places Genertec Universal Medical Group Co in the lower half of its industry. The industry median Quick Ratio is 3.42. Genertec Universal Medical Group Co's value of 1.33 is 61.1% below this benchmark. Historically, Genertec Universal Medical Group Co's own Quick Ratio has ranged from 0.93 to 1.33 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 3.42, Genertec Universal Medical Group Co has consistently been below 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 3.42, based on 401 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. Genertec Universal Medical Group Co's current Quick Ratio of 1.33 is 61.1% below 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 Genertec Universal Medical Group Co and its competitors. For the Credit Services industry, the median Quick Ratio is 3.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Genertec Universal Medical Group Co's current Quick Ratio is 1.33, which is 23% above median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Genertec Universal Medical Group Co stock overvalued right now?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co (FRA:5UM) is currently considered Fairly Valued. The stock's GF Value™ is €0.48, compared to a current price of €0.48 — trading 0.4% above its estimated fair value. The current Quick Ratio is 1.33, which is 23% above median its 10-year median of 1.08 and 61.1% below the Credit Services industry median of 3.42. Genertec Universal Medical Group Co's overall GF Score™ is 48/100 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 Genertec Universal Medical Group Co (FRA:5UM), the current Quick Ratio is 1.33 as of Dec. 2025. 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 Genertec Universal Medical Group Co (FRA:5UM) Overvalued in 2026?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co stock appears to be overvalued.
The current stock price of €0.48 is trading 0.4% above its estimated GF Value™ of €0.48.
GuruFocus considers Genertec Universal Medical Group Co to be Fairly Valued.
Key valuation signals for FRA:5UM:
Quick Ratio: 1.33 (23% above median its 10-year median of 1.08)
GF Value™: €0.48 vs. price of €0.48 (0.4% above fair value)
Industry Position: 61.1% below the Credit Services median (#299 of 401)
No single metric tells the full story. See the FRA:5UM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Genertec Universal Medical Group Co Ltd is principally engaged in providing financing to its customers under finance lease arrangements, the provision of advisory services, the sale of medical equipment as well as leases under operating lease arrangements, and the provision of other services. The group has two business segments namely The finance business comprises direct finance leasing, sale-and-leaseback, factoring, operating leases, and advisory services; and Healthcare business comprises includes hospital group business, healthcare technology business and specialty business. Geographically, it derives a majority of its revenue from Mainland China.
48GF Score
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