Baid FinservNSE:BAIDFIN +2.15%81 Quick Ratio is 59.04 as of Mar. 2026, which is 75% above its 10-year median of 33.68. GuruFocus rates NSE:BAIDFIN with a GF Score™ of 81/100 and a GF Value™ of ₹20.65 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 394 Credit Services companies, Baid Finserv ranks better than 75.13% 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. Baid Finserv's quick ratio for the quarter that ended in Mar. 2026 was 59.04.
Baid Finserv has a quick ratio of 59.04. It generally indicates good short-term financial strength.
The historical rank and industry rank for Baid Finserv's Quick Ratio or its related term are showing as below:
NSE:BAIDFIN'
s Quick Ratio Range Over the Past 10 Years
Min: 15.06 Med: 33.68 Max: 59.04
Current: 59.04
During the past 13 years, Baid Finserv's highest Quick Ratio was 59.04. The lowest was 15.06. And the median was 33.68.
NSE:BAIDFIN's Quick Ratio is ranked better than 75.13% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs NSE:BAIDFIN: 59.04
Baid Finserv (NSE:BAIDFIN) 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.
Baid Finserv Quick Ratio Related Terms
Baid Finserv Quick Ratio Historical Data
* Premium members only.
The historical data trend for Baid Finserv'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, Baid Finserv'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.
Baid Finserv Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Baid Finserv's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Baid Finserv'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.
Baid Finserv'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.
Baid Finserv (NSE:BAIDFIN) has a Quick Ratio of 59.04 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Baid Finserv and its competitors. This is 75% above median its historical median of 33.68. Over the past decade, Baid Finserv's Quick Ratio has ranged from 15.06 to 59.04. According to the industry distribution chart, Baid Finserv ranks #98 out of 394 companies in the Credit Services industry, placing it in the top 24.9%.
Is Baid Finserv's Quick Ratio too high?
Baid Finserv's current Quick Ratio of 59.04 is 75% above median its 10-year median of 33.68. Over the past 10 years, this metric has ranged from a low of 15.06 to a high of 59.04. The Credit Services industry median Quick Ratio is 4.86. Baid Finserv's value of 59.04 is 1116.1% above this industry median. Based on the distribution chart, Baid Finserv ranks #98 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Baid Finserv has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Baid Finserv's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Baid Finserv ranks #98 out of 394 companies for Quick Ratio. This places Baid Finserv in the top 25% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 4.86. Baid Finserv's value of 59.04 is 1116.1% above this benchmark. Historically, Baid Finserv's own Quick Ratio has ranged from 15.06 to 59.04 over the past decade. While the company's 10-year median is 33.68 vs. the industry median of 4.86, Baid Finserv 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. Baid Finserv's current Quick Ratio of 59.04 is 1116.1% 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 Baid Finserv 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. Baid Finserv's current Quick Ratio is 59.04, which is 75% above median its own 10-year median of 33.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baid Finserv stock overvalued right now?
Based on GuruFocus' analysis, Baid Finserv (NSE:BAIDFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹20.65, compared to a current price of ₹9.99 — trading 51.6% below its estimated fair value. The current Quick Ratio is 59.04, which is 75% above median its 10-year median of 33.68 and 1116.1% above the Credit Services industry median of 4.86. Baid Finserv's overall GF Score™ is 81/100 with 4 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 Baid Finserv (NSE:BAIDFIN), the current Quick Ratio is 59.04 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 Baid Finserv (NSE:BAIDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Baid Finserv stock appears to be undervalued.
The current stock price of ₹9.99 is trading 51.6% below its estimated GF Value™ of ₹20.65.
GuruFocus considers Baid Finserv to be Possible Value Trap.
Key valuation signals for NSE:BAIDFIN:
Quick Ratio: 59.04 (75% above median its 10-year median of 33.68)
GF Value™: ₹20.65 vs. price of ₹9.99 (51.6% below fair value)
Industry Position: 1116.1% above the Credit Services median (#98 of 394)
No single metric tells the full story. See the NSE:BAIDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baid Finserv Ltd is a non-banking financial company engaged in vehicle financing, loan against property, and SME lending, hire purchase services, leasing, securities investments, and trading negotiable instruments. The Company operates in a single reporting segment, which is financing. It also provides mortgage loans and top-up loans. The company mainly operates in India.
81GF Score
Get the complete analysis for NSE:BAIDFIN
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
NSE:BAIDFIN has been successfully added to your 
