Royal ExchangeNSA:ROYALEX -9.66%9 Quick Ratio is 1.82 as of Dec. 2025, which is 35% below its 10-year median of 2.82. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 67 Insurance companies, Royal Exchange ranks better than 61.19% 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. Royal Exchange's quick ratio for the quarter that ended in Dec. 2025 was 1.82.
Royal Exchange has a quick ratio of 1.82. It generally indicates good short-term financial strength.
The historical rank and industry rank for Royal Exchange's Quick Ratio or its related term are showing as below:
NSA:ROYALEX'
s Quick Ratio Range Over the Past 10 Years
Min: 0.45 Med: 2.82 Max: 7.23
Current: 1.82
During the past 13 years, Royal Exchange's highest Quick Ratio was 7.23. The lowest was 0.45. And the median was 2.82.
NSA:ROYALEX's Quick Ratio is ranked better than 61.19% of 67
companies
in the Insurance industry
Industry Median: 1.66
vs NSA:ROYALEX: 1.82
Royal Exchange (NSA:ROYALEX) 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.
Royal Exchange Quick Ratio Related Terms
Royal Exchange Quick Ratio Historical Data
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The historical data trend for Royal Exchange'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.
NSA:ROYALEX vs BRK.A, AIG, HIG: Quick Ratio Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange Quick Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Royal Exchange'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.
Royal Exchange'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.
Royal Exchange (NSA:ROYALEX) has a Quick Ratio of 1.82 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Royal Exchange and its competitors. This is 35% below median its historical median of 2.82. Over the past decade, Royal Exchange's Quick Ratio has ranged from 0.45 to 7.23. According to the industry distribution chart, Royal Exchange ranks #26 out of 67 companies in the Insurance industry, placing it in the top 38.8%.
Is Royal Exchange's Quick Ratio too high?
Royal Exchange's current Quick Ratio of 1.82 is 35% below median its 10-year median of 2.82. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 7.23. The Insurance industry median Quick Ratio is 1.66. Royal Exchange's value of 1.82 is 9.6% above this industry median. Based on the distribution chart, Royal Exchange ranks #26 out of 67 companies in the Insurance industry, which is above the industry midpoint. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's Quick Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #26 out of 67 companies for Quick Ratio. This puts Royal Exchange in the upper half of its industry. The industry median Quick Ratio is 1.66. Royal Exchange's value of 1.82 is 9.6% above this benchmark. Historically, Royal Exchange's own Quick Ratio has ranged from 0.45 to 7.23 over the past decade. While the company's 10-year median is 2.82 vs. the industry median of 1.66, Royal Exchange 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 an Insurance company?
The median Quick Ratio among Insurance companies is 1.66, based on 67 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. Royal Exchange's current Quick Ratio of 1.82 is 9.6% 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 Royal Exchange and its competitors. For the Insurance industry, the median Quick Ratio is 1.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Royal Exchange's current Quick Ratio is 1.82, which is 35% below median its own 10-year median of 2.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current Quick Ratio of 1.82. The current Quick Ratio is 1.82, which is 35% below median its 10-year median of 2.82 and 9.6% above the Insurance industry median of 1.66. Royal Exchange's overall GF Score™ is 9/100 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 Royal Exchange (NSA:ROYALEX), the current Quick Ratio is 1.82 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
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