IBL FinanceNSE:IBLFL 36 Quick Ratio is 12.18 as of Mar. 2026, which is 8% below its 10-year median of 13.18. GuruFocus rates NSE:IBLFL with a GF Score™ of 36/100. The stock has 8 warning signs investors should review. Among 394 Credit Services companies, IBL Finance ranks better than 57.61% 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. IBL Finance's quick ratio for the quarter that ended in Mar. 2026 was 12.18.
IBL Finance has a quick ratio of 12.18. It generally indicates good short-term financial strength.
The historical rank and industry rank for IBL Finance's Quick Ratio or its related term are showing as below:
NSE:IBLFL'
s Quick Ratio Range Over the Past 10 Years
Min: 1.52 Med: 13.18 Max: 14.55
Current: 12.18
During the past 6 years, IBL Finance's highest Quick Ratio was 14.55. The lowest was 1.52. And the median was 13.18.
NSE:IBLFL's Quick Ratio is ranked better than 57.61% of 394
companies
in the Credit Services industry
Industry Median: 4.52
vs NSE:IBLFL: 12.18
IBL Finance (NSE:IBLFL) 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.
IBL Finance Quick Ratio Related Terms
IBL Finance Quick Ratio Historical Data
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The historical data trend for IBL 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, IBL 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.
IBL Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where IBL 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.
IBL 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.
IBL Finance (NSE:IBLFL) has a Quick Ratio of 12.18 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on IBL Finance and its competitors. This is near median its historical median of 13.18. Over the past decade, IBL Finance's Quick Ratio has ranged from 1.52 to 14.55. According to the industry distribution chart, IBL Finance ranks #167 out of 394 companies in the Credit Services industry, placing it in the top 42.4%.
Is IBL Finance's Quick Ratio too high?
IBL Finance's current Quick Ratio of 12.18 is near median its 10-year median of 13.18. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 14.55. The Credit Services industry median Quick Ratio is 4.52. IBL Finance's value of 12.18 is 169.5% above this industry median. Based on the distribution chart, IBL Finance ranks #167 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, IBL Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #167 out of 394 companies for Quick Ratio. This puts IBL Finance in the upper half of its industry. The industry median Quick Ratio is 4.52. IBL Finance's value of 12.18 is 169.5% above this benchmark. Historically, IBL Finance's own Quick Ratio has ranged from 1.52 to 14.55 over the past decade. While the company's 10-year median is 13.18 vs. the industry median of 4.52, IBL 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 4.52, 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. IBL Finance's current Quick Ratio of 12.18 is 169.5% 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 IBL Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current Quick Ratio is 12.18, which is near median its own 10-year median of 13.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBL Finance stock overvalued right now?
IBL Finance (NSE:IBLFL) has a current Quick Ratio of 12.18. The current Quick Ratio is 12.18, which is near median its 10-year median of 13.18 and 169.5% above the Credit Services industry median of 4.52. IBL Finance's overall GF Score™ is 36/100 with 8 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 IBL Finance (NSE:IBLFL), the current Quick Ratio is 12.18 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.
IBL Finance Ltd is a fintech-based financial services platform that leverages technology and data science to make lending quick and easy. It has a mobile application that provides instant personal loans which loan up to Rupees 50,000 with tenors of up to 12 months through an entirely digital mobile App-only process. The Company is engaged in one segment only i.e. Loan Segment. The company generates revenue from Interest Income on Loan Portfolio and Loan Processing Fees & Charges.
36GF Score
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