Generalfinance SpAMIL:GF +1.78%75 Quick Ratio is 41.14 as of Mar. 2026, which is 54% above its 10-year median of 26.77. GuruFocus rates MIL:GF with a GF Score™ of 75/100 and a GF Value™ of €16.21 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 394 Credit Services companies, Generalfinance SpA ranks better than 71.32% on this metric.
Generalfinance SpA has a quick ratio of 41.14. It generally indicates good short-term financial strength.
The historical rank and industry rank for Generalfinance SpA's Quick Ratio or its related term are showing as below:
MIL:GF'
s Quick Ratio Range Over the Past 10 Years
Min: 8.48 Med: 26.77 Max: 234.84
Current: 41.14
During the past 8 years, Generalfinance SpA's highest Quick Ratio was 234.84. The lowest was 8.48. And the median was 26.77.
MIL:GF's Quick Ratio is ranked better than 71.32% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs MIL:GF: 41.14
Generalfinance SpA (MIL:GF) 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.
Generalfinance SpA Quick Ratio Related Terms
Generalfinance SpA Quick Ratio Historical Data
* Premium members only.
The historical data trend for Generalfinance SpA'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, Generalfinance SpA'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.
Generalfinance SpA Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA'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.
Generalfinance SpA'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.
Generalfinance SpA (MIL:GF) has a Quick Ratio of 41.14 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Generalfinance SpA and its competitors. This is 54% above median its historical median of 26.77. Over the past decade, Generalfinance SpA's Quick Ratio has ranged from 8.48 to 234.84. According to the industry distribution chart, Generalfinance SpA ranks #113 out of 394 companies in the Credit Services industry, placing it in the top 28.7%.
Is Generalfinance SpA's Quick Ratio too high?
Generalfinance SpA's current Quick Ratio of 41.14 is 54% above median its 10-year median of 26.77. Over the past 10 years, this metric has ranged from a low of 8.48 to a high of 234.84. The Credit Services industry median Quick Ratio is 4.93. Generalfinance SpA's value of 41.14 is 734.5% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #113 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #113 out of 394 companies for Quick Ratio. This puts Generalfinance SpA in the upper half of its industry. The industry median Quick Ratio is 4.93. Generalfinance SpA's value of 41.14 is 734.5% above this benchmark. Historically, Generalfinance SpA's own Quick Ratio has ranged from 8.48 to 234.84 over the past decade. While the company's 10-year median is 26.77 vs. the industry median of 4.93, Generalfinance SpA 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 4.93, 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. Generalfinance SpA's current Quick Ratio of 41.14 is 734.5% 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 Generalfinance SpA and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current Quick Ratio is 41.14, which is 54% above median its own 10-year median of 26.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.21, compared to a current price of €28.60 — trading 76.4% above its estimated fair value. The current Quick Ratio is 41.14, which is 54% above median its 10-year median of 26.77 and 734.5% above the Credit Services industry median of 4.93. Generalfinance SpA's overall GF Score™ is 75/100 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 Generalfinance SpA (MIL:GF), the current Quick Ratio is 41.14 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 Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €28.60 is trading 76.4% above its estimated GF Value™ of €16.21.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
Quick Ratio: 41.14 (54% above median its 10-year median of 26.77)
GF Value™: €16.21 vs. price of €28.60 (76.4% above fair value)
Industry Position: 734.5% above the Credit Services median (#113 of 394)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
75GF Score
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