Qliro ABOSTO:QLIRO -0.79%68 Quick Ratio is 44.41 as of Mar. 2026, which is 1% above its 10-year median of 43.94. GuruFocus rates OSTO:QLIRO with a GF Score™ of 68/100 and a GF Value™ of kr17.65 (Fairly Valued). The stock has 6 warning signs investors should review. Among 394 Credit Services companies, Qliro AB ranks better than 71.57% 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. Qliro AB's quick ratio for the quarter that ended in Mar. 2026 was 44.41.
Qliro AB has a quick ratio of 44.41. It generally indicates good short-term financial strength.
The historical rank and industry rank for Qliro AB's Quick Ratio or its related term are showing as below:
OSTO:QLIRO'
s Quick Ratio Range Over the Past 10 Years
Min: 0.41 Med: 43.94 Max: 58.15
Current: 44.41
During the past 9 years, Qliro AB's highest Quick Ratio was 58.15. The lowest was 0.41. And the median was 43.94.
OSTO:QLIRO's Quick Ratio is ranked better than 71.57% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs OSTO:QLIRO: 44.41
Qliro AB (OSTO:QLIRO) 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.
Qliro AB Quick Ratio Related Terms
Qliro AB Quick Ratio Historical Data
* Premium members only.
The historical data trend for Qliro AB'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, Qliro AB'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.
Qliro AB Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB's Quick Ratio for the fiscal year that ended in Dec. 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.
Qliro AB (OSTO:QLIRO) has a Quick Ratio of 44.41 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Qliro AB and its competitors. This is near median its historical median of 43.94. Over the past decade, Qliro AB's Quick Ratio has ranged from 0.41 to 58.15. According to the industry distribution chart, Qliro AB ranks #112 out of 394 companies in the Credit Services industry, placing it in the top 28.4%.
Is Qliro AB's Quick Ratio too high?
Qliro AB's current Quick Ratio of 44.41 is near median its 10-year median of 43.94. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 58.15. The Credit Services industry median Quick Ratio is 4.86. Qliro AB's value of 44.41 is 814.7% above this industry median. Based on the distribution chart, Qliro AB ranks #112 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Qliro AB has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #112 out of 394 companies for Quick Ratio. This puts Qliro AB in the upper half of its industry. The industry median Quick Ratio is 4.86. Qliro AB's value of 44.41 is 814.7% above this benchmark. Historically, Qliro AB's own Quick Ratio has ranged from 0.41 to 58.15 over the past decade. While the company's 10-year median is 43.94 vs. the industry median of 4.86, Qliro AB 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. Qliro AB's current Quick Ratio of 44.41 is 814.7% 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 Qliro AB 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. Qliro AB's current Quick Ratio is 44.41, which is near median its own 10-year median of 43.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (OSTO:QLIRO) is currently considered Fairly Valued. The stock's GF Value™ is kr17.65, compared to a current price of kr18.75 — trading 6.2% above its estimated fair value. The current Quick Ratio is 44.41, which is near median its 10-year median of 43.94 and 814.7% above the Credit Services industry median of 4.86. Qliro AB's overall GF Score™ is 68/100 with 6 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 Qliro AB (OSTO:QLIRO), the current Quick Ratio is 44.41 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 Qliro AB (OSTO:QLIRO) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of kr18.75 is trading 6.2% above its estimated GF Value™ of kr17.65.
GuruFocus considers Qliro AB to be Fairly Valued.
Key valuation signals for OSTO:QLIRO:
Quick Ratio: 44.41 (near median its 10-year median of 43.94)
GF Value™: kr17.65 vs. price of kr18.75 (6.2% above fair value)
Industry Position: 814.7% above the Credit Services median (#112 of 394)
No single metric tells the full story. See the OSTO:QLIRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
68GF Score
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