SBI HoldingsFRA:ZOF -1.57%83 Quick Ratio is 1.12 as of Mar. 2026, which is 24% below its 10-year median of 1.48. GuruFocus rates FRA:ZOF with a GF Score™ of 83/100 and a GF Value™ of €13.79 (Fairly Valued). The stock has 7 warning signs investors should review. Among 497 Diversified Financial Services companies, SBI Holdings ranks worse than 65.79% 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. SBI Holdings's quick ratio for the quarter that ended in Mar. 2026 was 1.12.
SBI Holdings has a quick ratio of 1.12. It generally indicates good short-term financial strength.
The historical rank and industry rank for SBI Holdings's Quick Ratio or its related term are showing as below:
FRA:ZOF'
s Quick Ratio Range Over the Past 10 Years
Min: 1.12 Med: 1.48 Max: 1.82
Current: 1.12
During the past 13 years, SBI Holdings's highest Quick Ratio was 1.82. The lowest was 1.12. And the median was 1.48.
FRA:ZOF's Quick Ratio is ranked worse than 65.79% of 497
companies
in the Diversified Financial Services industry
Industry Median: 3.08
vs FRA:ZOF: 1.12
SBI Holdings (FRA:ZOF) 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.
SBI Holdings Quick Ratio Related Terms
SBI Holdings Quick Ratio Historical Data
* Premium members only.
The historical data trend for SBI Holdings'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 Financial Conglomerates subindustry, SBI Holdings'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.
SBI Holdings Quick Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, SBI Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where SBI Holdings'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.
SBI Holdings'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.
SBI Holdings (FRA:ZOF) has a Quick Ratio of 1.12 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on SBI Holdings and its competitors. This is 24% below median its historical median of 1.48. Over the past decade, SBI Holdings' Quick Ratio has ranged from 1.12 to 1.82. According to the industry distribution chart, SBI Holdings ranks #327 out of 497 companies in the Diversified Financial Services industry, placing it in the top 65.8%.
Is SBI Holdings' Quick Ratio too high?
SBI Holdings' current Quick Ratio of 1.12 is 24% below median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 1.12 to a high of 1.82. The Diversified Financial Services industry median Quick Ratio is 3.08. SBI Holdings' value of 1.12 is 63.6% below this industry median. Based on the distribution chart, SBI Holdings ranks #327 out of 497 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, SBI Holdings has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' Quick Ratio compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #327 out of 497 companies for Quick Ratio. This places SBI Holdings in the lower half of its industry. The industry median Quick Ratio is 3.08. SBI Holdings' value of 1.12 is 63.6% below this benchmark. Historically, SBI Holdings' own Quick Ratio has ranged from 1.12 to 1.82 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 3.08, SBI Holdings 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 Diversified Financial Services company?
The median Quick Ratio among Diversified Financial Services companies is 3.08, based on 497 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. SBI Holdings's current Quick Ratio of 1.12 is 63.6% 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 SBI Holdings and its competitors. For the Diversified Financial Services industry, the median Quick Ratio is 3.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Holdings's current Quick Ratio is 1.12, which is 24% below median its own 10-year median of 1.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Holdings stock overvalued right now?
Based on GuruFocus' analysis, SBI Holdings (FRA:ZOF) is currently considered Fairly Valued. The stock's GF Value™ is €13.79, compared to a current price of €14.45 — trading 4.7% above its estimated fair value. The current Quick Ratio is 1.12, which is 24% below median its 10-year median of 1.48 and 63.6% below the Diversified Financial Services industry median of 3.08. SBI Holdings' overall GF Score™ is 83/100 with 7 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 SBI Holdings (FRA:ZOF), the current Quick Ratio is 1.12 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 SBI Holdings (FRA:ZOF) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued.
The current stock price of €14.45 is trading 4.7% above its estimated GF Value™ of €13.79.
GuruFocus considers SBI Holdings to be Fairly Valued.
Key valuation signals for FRA:ZOF:
Quick Ratio: 1.12 (24% below median its 10-year median of 1.48)
GF Value™: €13.79 vs. price of €14.45 (4.7% above fair value)
Industry Position: 63.6% below the Diversified Financial Services median (#327 of 497)
No single metric tells the full story. See the FRA:ZOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Holdings Inc is a financial conglomerate that offers a variety of services in securities, banking, and insurance. The company operates through five segments. The Asset Management segment provides investment management, advice, and financial product information. The Crypto Asset segment offers crypto exchange and trading services. The Financial Services segment covers securities, banking, and insurance activities in Japan and abroad. The Investment segment invests in IT, fintech, blockchain, finance, and biotech ventures. The Next Generation Business develops and sells pharmaceuticals, health foods, and cosmetics, conducts R&D in cancer and immunology, offers digital medical solutions, and engages in medical finance. It generates majority of its revenue from Financial services segment.
83GF Score
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