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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. SBFC Finance's quick ratio for the quarter that ended in Jun. 2026 was 0.00.
SBFC Finance has a quick ratio of 0.00. It indicates that the company cannot currently fully pay back its current liabilities.
The historical rank and industry rank for SBFC Finance's Quick Ratio or its related term are showing as below:
NSE:SBFC'
s Quick Ratio Range Over the Past 10 Years
Min: 1.09 Med: 1.78 Max: 491.67
Current: 1.81
During the past 7 years, SBFC Finance's highest Quick Ratio was 491.67. The lowest was 1.09. And the median was 1.78.
NSE:SBFC's Quick Ratio is ranked worse than 64.5% of 400
companies
in the Credit Services industry
Industry Median: 3.685
vs NSE:SBFC: 1.81
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.
SBFC Finance Quick Ratio Related Terms
SBFC Finance Quick Ratio Historical Data
* Premium members only.
The historical data trend for SBFC 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, SBFC 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.
SBFC Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where SBFC 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.
SBFC 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.
SBFC Finance (NSE:SBFC) has a Quick Ratio of 0.00 as of Jun. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on SBFC Finance and its competitors. Over the past decade, SBFC Finance's Quick Ratio has ranged from 1.09 to 491.67. According to the industry distribution chart, SBFC Finance ranks #258 out of 400 companies in the Credit Services industry, placing it in the top 64.5%.
Is SBFC Finance's Quick Ratio too high?
SBFC Finance's current Quick Ratio is 0.00. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 491.67. Based on the distribution chart, SBFC Finance ranks #258 out of 400 companies in the Credit Services industry, which is below the industry midpoint. Overall, SBFC Finance has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #258 out of 400 companies for Quick Ratio. This places SBFC Finance in the lower half of its industry. The industry median Quick Ratio is 3.69. Historically, SBFC Finance's own Quick Ratio has ranged from 1.09 to 491.67 over the past decade. 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 3.69, based on 400 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. 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 SBFC Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 3.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current Quick Ratio is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹140.14, compared to a current price of ₹92.17 — trading 34.2% below its estimated fair value. The current Quick Ratio is 0.00. SBFC Finance's overall GF Score™ is 63/100 with 3 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 SBFC Finance (NSE:SBFC), the current Quick Ratio is 0.00 as of Jun. 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 SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹92.17 is trading 34.2% below its estimated GF Value™ of ₹140.14.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
Quick Ratio: 0.00
GF Value™: ₹140.14 vs. price of ₹92.17 (34.2% below fair value)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
63GF Score
Get the complete analysis for NSE:SBFC
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