RTONZSE:RTO 26 Quick Ratio is 11.45 as of Sep. 2025, which is 179% above its 10-year median of 4.10. GuruFocus rates NZSE:RTO with a GF Score™ of 26/100. The stock has 1 warning sign investors should review. Among 502 Diversified Financial Services companies, RTO ranks better than 68.13% 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. RTO's quick ratio for the quarter that ended in Sep. 2025 was 11.45.
RTO has a quick ratio of 11.45. It generally indicates good short-term financial strength.
The historical rank and industry rank for RTO's Quick Ratio or its related term are showing as below:
NZSE:RTO'
s Quick Ratio Range Over the Past 10 Years
Min: 0.22 Med: 4.1 Max: 24.43
Current: 8.47
During the past 13 years, RTO's highest Quick Ratio was 24.43. The lowest was 0.22. And the median was 4.10.
NZSE:RTO's Quick Ratio is ranked better than 68.13% of 502
companies
in the Diversified Financial Services industry
Industry Median: 3.19
vs NZSE:RTO: 8.47
RTO (NZSE:RTO) 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.
RTO Quick Ratio Related Terms
RTO Quick Ratio Historical Data
* Premium members only.
The historical data trend for RTO'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.
NZSE:RTO vs XXI, DMII, BCSS: Quick Ratio Comparison
For the Shell Companies subindustry, RTO'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.
RTO Quick Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, RTO's Quick Ratio distribution charts can be found below:
* The bar in red indicates where RTO'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.
RTO's Quick Ratio for the fiscal year that ended in Mar. 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.
RTO (NZSE:RTO) has a Quick Ratio of 11.45 as of Sep. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on RTO and its competitors. This is 179% above median its historical median of 4.10. Over the past decade, RTO's Quick Ratio has ranged from 0.22 to 24.43. According to the industry distribution chart, RTO ranks #160 out of 502 companies in the Diversified Financial Services industry, placing it in the top 31.9%.
Is RTO's Quick Ratio too high?
RTO's current Quick Ratio of 11.45 is 179% above median its 10-year median of 4.10. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 24.43. The Diversified Financial Services industry median Quick Ratio is 3.19. RTO's value of 11.45 is 258.9% above this industry median. Based on the distribution chart, RTO ranks #160 out of 502 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, RTO has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does RTO's Quick Ratio compare to XXI and DMII?
According to the Diversified Financial Services industry distribution chart, RTO ranks #160 out of 502 companies for Quick Ratio. This puts RTO in the upper half of its industry. The industry median Quick Ratio is 3.19. RTO's value of 11.45 is 258.9% above this benchmark. Historically, RTO's own Quick Ratio has ranged from 0.22 to 24.43 over the past decade. While the company's 10-year median is 4.10 vs. the industry median of 3.19, RTO 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 Diversified Financial Services company?
The median Quick Ratio among Diversified Financial Services companies is 3.19, based on 502 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. RTO's current Quick Ratio of 11.45 is 258.9% 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 RTO and its competitors. For the Diversified Financial Services industry, the median Quick Ratio is 3.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RTO's current Quick Ratio is 11.45, which is 179% above median its own 10-year median of 4.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RTO stock overvalued right now?
RTO (NZSE:RTO) has a current Quick Ratio of 11.45. The current Quick Ratio is 11.45, which is 179% above median its 10-year median of 4.10 and 258.9% above the Diversified Financial Services industry median of 3.19. RTO's overall GF Score™ is 26/100 with 1 warning sign 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 RTO (NZSE:RTO), the current Quick Ratio is 11.45 as of Sep. 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.
RTO Ltd was previously engaged in mortgage lending services. The group has discontinued its operations and is currently not involved in any business activities.
26GF Score
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