PT Clipan Finance Indonesia Tbk has a quick ratio of 14.52. It generally indicates good short-term financial strength.
The historical rank and industry rank for PT Clipan Finance Indonesia Tbk's Quick Ratio or its related term are showing as below:
ISX:CFIN'
s Quick Ratio Range Over the Past 10 Years
Min: 1.93 Med: 13.49 Max: 30.18
Current: 14.52
During the past 13 years, PT Clipan Finance Indonesia Tbk's highest Quick Ratio was 30.18. The lowest was 1.93. And the median was 13.49.
ISX:CFIN's Quick Ratio is ranked better than 60.66% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs ISX:CFIN: 14.52
PT Clipan Finance Indonesia Tbk (ISX:CFIN) 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.
PT Clipan Finance Indonesia Tbk Quick Ratio Related Terms
PT Clipan Finance Indonesia Tbk 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.
For the Credit Services subindustry, PT Clipan Finance Indonesia Tbk'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.
PT Clipan Finance Indonesia Tbk Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Quick Ratio distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's Quick Ratio falls into.
PT Clipan Finance Indonesia Tbk 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.
PT Clipan Finance Indonesia Tbk (ISX:CFIN) has a Quick Ratio of 14.52 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PT Clipan Finance Indonesia Tbk and its competitors. This is near median its historical median of 13.49. Over the past decade, PT Clipan Finance Indonesia Tbk's Quick Ratio has ranged from 1.93 to 30.18. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #155 out of 394 companies in the Credit Services industry, placing it in the top 39.3%.
Is PT Clipan Finance Indonesia Tbk's Quick Ratio too high?
PT Clipan Finance Indonesia Tbk's current Quick Ratio of 14.52 is near median its 10-year median of 13.49. Over the past 10 years, this metric has ranged from a low of 1.93 to a high of 30.18. The Credit Services industry median Quick Ratio is 4.86. PT Clipan Finance Indonesia Tbk's value of 14.52 is 199.1% above this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #155 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #155 out of 394 companies for Quick Ratio. This puts PT Clipan Finance Indonesia Tbk in the upper half of its industry. The industry median Quick Ratio is 4.86. PT Clipan Finance Indonesia Tbk's value of 14.52 is 199.1% above this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Quick Ratio has ranged from 1.93 to 30.18 over the past decade. While the company's 10-year median is 13.49 vs. the industry median of 4.86, PT Clipan Finance Indonesia Tbk 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 4.86, based on 394 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. PT Clipan Finance Indonesia Tbk's current Quick Ratio of 14.52 is 199.1% 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 PT Clipan Finance Indonesia Tbk and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Clipan Finance Indonesia Tbk's current Quick Ratio is 14.52, which is near median its own 10-year median of 13.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp347.38, compared to a current price of Rp322.00 — trading 7.3% below its estimated fair value. The current Quick Ratio is 14.52, which is near median its 10-year median of 13.49 and 199.1% above the Credit Services industry median of 4.86. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 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 PT Clipan Finance Indonesia Tbk (ISX:CFIN), the current Quick Ratio is 14.52 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 PT Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp322.00 is trading 7.3% below its estimated GF Value™ of Rp347.38.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
Quick Ratio: 14.52 (near median its 10-year median of 13.49)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
Industry Position: 199.1% above the Credit Services median (#155 of 394)
No single metric tells the full story. See the ISX:CFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Clipan Finance Indonesia Tbk Business Description
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
72GF Score
Get the complete analysis for ISX:CFIN
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
ISX:CFIN has been successfully added to your 
