Automotive FincoRMIAF 45 Quick Ratio is 20.03 as of Mar. 2026, which is 64% below its 10-year median of 56.10. GuruFocus rates RMIAF with a GF Score™ of 45/100 and a GF Value™ of $0.01. The stock has 7 warning signs investors should review. Among 394 Credit Services companies, Automotive Finco ranks better than 64.97% 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. Automotive Finco's quick ratio for the quarter that ended in Mar. 2026 was 20.03.
Automotive Finco has a quick ratio of 20.03. It generally indicates good short-term financial strength.
The historical rank and industry rank for Automotive Finco's Quick Ratio or its related term are showing as below:
RMIAF'
s Quick Ratio Range Over the Past 10 Years
Min: 1.01 Med: 56.1 Max: 1425.47
Current: 20.03
During the past 13 years, Automotive Finco's highest Quick Ratio was 1425.47. The lowest was 1.01. And the median was 56.10.
RMIAF's Quick Ratio is ranked better than 64.97% of 394
companies
in the Credit Services industry
Industry Median: 4.52
vs RMIAF: 20.03
Automotive Finco (OTCPK:RMIAF) 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.
Automotive Finco Quick Ratio Related Terms
Automotive Finco Quick Ratio Historical Data
* Premium members only.
The historical data trend for Automotive Finco'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, Automotive Finco'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.
Automotive Finco Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Automotive Finco's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Automotive Finco'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.
Automotive Finco'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.
Automotive Finco (RMIAF) has a Quick Ratio of 20.03 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Automotive Finco and its competitors. This is 64% below median its historical median of 56.10. Over the past decade, Automotive Finco's Quick Ratio has ranged from 1.01 to 1,425.47. According to the industry distribution chart, Automotive Finco ranks #138 out of 394 companies in the Credit Services industry, placing it in the top 35%.
Is Automotive Finco's Quick Ratio too high?
Automotive Finco's current Quick Ratio of 20.03 is 64% below median its 10-year median of 56.10. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 1,425.47. The Credit Services industry median Quick Ratio is 4.52. Automotive Finco's value of 20.03 is 343.1% above this industry median. Based on the distribution chart, Automotive Finco ranks #138 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Automotive Finco has a GF Score™ of 45/100, reflecting its overall financial health beyond just this single metric.
How does Automotive Finco's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Automotive Finco ranks #138 out of 394 companies for Quick Ratio. This puts Automotive Finco in the upper half of its industry. The industry median Quick Ratio is 4.52. Automotive Finco's value of 20.03 is 343.1% above this benchmark. Historically, Automotive Finco's own Quick Ratio has ranged from 1.01 to 1,425.47 over the past decade. While the company's 10-year median is 56.10 vs. the industry median of 4.52, Automotive Finco 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. Automotive Finco's current Quick Ratio of 20.03 is 343.1% 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 Automotive Finco 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. Automotive Finco's current Quick Ratio is 20.03, which is 64% below median its own 10-year median of 56.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Automotive Finco stock overvalued right now?
Automotive Finco (RMIAF) has a current Quick Ratio of 20.03. The stock's GF Value™ is $0.01, compared to a current price of $0.01 — trading 11% above its estimated fair value. The current Quick Ratio is 20.03, which is 64% below median its 10-year median of 56.10 and 343.1% above the Credit Services industry median of 4.52. Automotive Finco's overall GF Score™ is 45/100 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 Automotive Finco (RMIAF), the current Quick Ratio is 20.03 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 Automotive Finco (RMIAF) Overvalued in 2026?
Based on GuruFocus' analysis, Automotive Finco stock appears to be overvalued.
The current stock price of $0.01 is trading 11% above its estimated GF Value™ of $0.01.
Key valuation signals for RMIAF:
Quick Ratio: 20.03 (64% below median its 10-year median of 56.10)
GF Value™: $0.01 vs. price of $0.01 (11% above fair value)
Industry Position: 343.1% above the Credit Services median (#138 of 394)
No single metric tells the full story. See the RMIAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Automotive Finco Corp p is a finance company focused exclusively on the auto retail sector. The company also pursues other direct investments and financing opportunities across the auto retail sector. Through its investment in Automotive Finance LP, it is engaged in the business of lending and administering investment funds. The company has only one operating segment: Investment issuer focused on providing debt financing and making other investments in the auto retail sector.
45GF Score
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