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. Stewards's quick ratio for the quarter that ended in Sep. 2023 was 4.63.
Stewards has a quick ratio of 4.63. It generally indicates good short-term financial strength.
The historical rank and industry rank for Stewards's Quick Ratio or its related term are showing as below:
SWRD's Quick Ratio is not ranked *
in the Credit Services industry.
Industry Median: 4.93 * Ranked among companies with meaningful Quick Ratio only.
Stewards (OTCPK:SWRD) 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.
Stewards Quick Ratio Related Terms
Stewards Quick Ratio Historical Data
* Premium members only.
The historical data trend for Stewards'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, Stewards'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.
Stewards Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Stewards's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Stewards'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.
Stewards's Quick Ratio for the fiscal year that ended in Dec. 2013 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.
Stewards (SWRD) has a Quick Ratio of 4.63 as of Sep. 2023. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Stewards and its competitors.
Is Stewards' Quick Ratio too high?
Stewards' current Quick Ratio is 4.63. The Credit Services industry median Quick Ratio is 4.93. Stewards' value of 4.63 is 6.1% below this industry median. Overall, Stewards has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Stewards' Quick Ratio compare to RAHGF and BWMY?
Stewards' Quick Ratio of 4.63 can be compared against companies in the Credit Services industry. The industry median Quick Ratio is 4.93. Stewards' value of 4.63 is 6.1% below this benchmark. 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 4.93, 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. Stewards's current Quick Ratio of 4.63 is 6.1% below 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 Stewards and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stewards's current Quick Ratio is 4.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stewards stock overvalued right now?
Stewards (SWRD) has a current Quick Ratio of 4.63. The current Quick Ratio is 4.63 and 6.1% below the Credit Services industry median of 4.93. Stewards' overall GF Score™ is 29/100. 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 Stewards (SWRD), the current Quick Ratio is 4.63 as of Sep. 2023. 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.
Stewards Inc is a diversified financial services company with two complementary business platforms: Private Credit and Real Estate. It provides alternative financing solutions to small and medium-sized businesses (SMBs) underserved by traditional lenders, while also building a portfolio of income-producing and value enhancing real estate assets. The Private Credit Division provides revenue-based funding and related financing products to SMBs nationwide. The Real Estate Division targets strategic investments in residential, mixed-use, and commercial properties designed to generate stable rental income and have the potential for long-term value appreciation. It operates in two segments Financing Solutions, and Real Estate Operations.
29GF Score
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