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J and Friends HoldingsJF +1.09%24 Quick Ratio is 1.16 as of Dec. 2025, which is 6% above its 10-year median of 1.09. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 408 Credit Services companies, J and Friends Holdings ranks worse than 81.62% on this metric.
J and Friends Holdings (NAS:JF) 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.
J and Friends Holdings Quick Ratio Related Terms
J and Friends Holdings 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, J and Friends 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.
J and Friends Holdings Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where J and Friends 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.
J and Friends Holdings's Quick Ratio for the fiscal year that ended in Dec. 2025 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.
J and Friends Holdings (JF) has a Quick Ratio of 1.16 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on J and Friends Holdings and its competitors. This is near median its historical median of 1.09. Over the past decade, J and Friends Holdings' Quick Ratio has ranged from 0.19 to 1.73. According to the industry distribution chart, J and Friends Holdings ranks #333 out of 408 companies in the Credit Services industry, placing it in the top 81.6%.
Is J and Friends Holdings' Quick Ratio too high?
J and Friends Holdings' current Quick Ratio of 1.16 is near median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 1.73. The Credit Services industry median Quick Ratio is 2.78. J and Friends Holdings' value of 1.16 is 58.3% below this industry median. Based on the distribution chart, J and Friends Holdings ranks #333 out of 408 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' Quick Ratio compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #333 out of 408 companies for Quick Ratio. This places J and Friends Holdings in the lower half of its industry. The industry median Quick Ratio is 2.78. J and Friends Holdings' value of 1.16 is 58.3% below this benchmark. Historically, J and Friends Holdings' own Quick Ratio has ranged from 0.19 to 1.73 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 2.78, J and Friends 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 Credit Services company?
The median Quick Ratio among Credit Services companies is 2.78, based on 408 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. J and Friends Holdings's current Quick Ratio of 1.16 is 58.3% 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median Quick Ratio is 2.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current Quick Ratio is 1.16, which is near median its own 10-year median of 1.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current Quick Ratio of 1.16. The current Quick Ratio is 1.16, which is near median its 10-year median of 1.09 and 58.3% below the Credit Services industry median of 2.78. J and Friends Holdings' overall GF Score™ is 24/100 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 J and Friends Holdings (JF), the current Quick Ratio is 1.16 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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