Capital India FinanceNSE:CIFL -1.27%50 Quick Ratio is 94.73 as of Mar. 2026, which is 1977% above its 10-year median of 4.56. GuruFocus rates NSE:CIFL with a GF Score™ of 50/100 and a GF Value™ of ₹23.69 (Fairly Valued). The stock has 7 warning signs investors should review. Among 393 Credit Services companies, Capital India Finance ranks better than 78.88% on this metric.
Capital India Finance has a quick ratio of 94.73. It generally indicates good short-term financial strength.
The historical rank and industry rank for Capital India Finance's Quick Ratio or its related term are showing as below:
NSE:CIFL'
s Quick Ratio Range Over the Past 10 Years
Min: 1.09 Med: 4.56 Max: 94.73
Current: 94.73
During the past 13 years, Capital India Finance's highest Quick Ratio was 94.73. The lowest was 1.09. And the median was 4.56.
NSE:CIFL's Quick Ratio is ranked better than 78.88% of 393
companies
in the Credit Services industry
Industry Median: 4.44
vs NSE:CIFL: 94.73
Capital India Finance (NSE:CIFL) 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.
Capital India Finance Quick Ratio Related Terms
Capital India Finance Quick Ratio Historical Data
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The historical data trend for Capital India Finance'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, Capital India Finance'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.
Capital India Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital India Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Capital India Finance'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.
Capital India Finance'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.
Capital India Finance (NSE:CIFL) has a Quick Ratio of 94.73 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Capital India Finance and its competitors. This is 1977% above median its historical median of 4.56. Over the past decade, Capital India Finance's Quick Ratio has ranged from 1.09 to 94.73. According to the industry distribution chart, Capital India Finance ranks #83 out of 393 companies in the Credit Services industry, placing it in the top 21.1%.
Is Capital India Finance's Quick Ratio too high?
Capital India Finance's current Quick Ratio of 94.73 is 1977% above median its 10-year median of 4.56. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 94.73. The Credit Services industry median Quick Ratio is 4.44. Capital India Finance's value of 94.73 is 2033.6% above this industry median. Based on the distribution chart, Capital India Finance ranks #83 out of 393 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Capital India Finance has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capital India Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Capital India Finance ranks #83 out of 393 companies for Quick Ratio. This places Capital India Finance in the top 21% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 4.44. Capital India Finance's value of 94.73 is 2033.6% above this benchmark. Historically, Capital India Finance's own Quick Ratio has ranged from 1.09 to 94.73 over the past decade. While the company's 10-year median is 4.56 vs. the industry median of 4.44, Capital India Finance 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 4.44, based on 393 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. Capital India Finance's current Quick Ratio of 94.73 is 2033.6% 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 Capital India Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital India Finance's current Quick Ratio is 94.73, which is 1977% above median its own 10-year median of 4.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital India Finance stock overvalued right now?
Based on GuruFocus' analysis, Capital India Finance (NSE:CIFL) is currently considered Fairly Valued. The stock's GF Value™ is ₹23.69, compared to a current price of ₹22.58 — trading 4.7% below its estimated fair value. The current Quick Ratio is 94.73, which is 1977% above median its 10-year median of 4.56 and 2033.6% above the Credit Services industry median of 4.44. Capital India Finance's overall GF Score™ is 50/100 with 7 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 Capital India Finance (NSE:CIFL), the current Quick Ratio is 94.73 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 Capital India Finance (NSE:CIFL) Overvalued in 2026?
Based on GuruFocus' analysis, Capital India Finance stock appears to be undervalued.
The current stock price of ₹22.58 is trading 4.7% below its estimated GF Value™ of ₹23.69.
GuruFocus considers Capital India Finance to be Fairly Valued.
Key valuation signals for NSE:CIFL:
Quick Ratio: 94.73 (1977% above median its 10-year median of 4.56)
GF Value™: ₹23.69 vs. price of ₹22.58 (4.7% below fair value)
Industry Position: 2033.6% above the Credit Services median (#83 of 393)
No single metric tells the full story. See the NSE:CIFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital India Finance Ltd is a non-banking financial company. It operates through two segments: lending business and Forex services, including MTSS business. The lending services include providing loans to Micro, Small, and Medium enterprises and other customers across various industries. Revenue from the lending business includes interest income and fee income. Forex services comprise overseas remittances, foreign currency prepaid travel cards, Money Transfer Service Scheme (MTSS), and import and export foreign currency notes.
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