Akcept FinanceWAR:AFC 28 Quick Ratio is 0.83 as of Mar. 2026, which is 62% below its 10-year median of 2.20. GuruFocus rates WAR:AFC with a GF Score™ of 28/100 and a GF Value™ of zł0.40 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 394 Credit Services companies, Akcept Finance ranks worse than 93.15% 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. Akcept Finance's quick ratio for the quarter that ended in Mar. 2026 was 0.83.
Akcept Finance has a quick ratio of 0.83. It indicates that the company cannot currently fully pay back its current liabilities.
The historical rank and industry rank for Akcept Finance's Quick Ratio or its related term are showing as below:
WAR:AFC'
s Quick Ratio Range Over the Past 10 Years
Min: 0.71 Med: 2.2 Max: 15.1
Current: 0.83
During the past 13 years, Akcept Finance's highest Quick Ratio was 15.10. The lowest was 0.71. And the median was 2.20.
WAR:AFC's Quick Ratio is ranked worse than 93.15% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs WAR:AFC: 0.83
Akcept Finance (WAR:AFC) 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.
Akcept Finance Quick Ratio Related Terms
Akcept Finance Quick Ratio Historical Data
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The historical data trend for Akcept 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, Akcept 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.
Akcept Finance Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Akcept Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Akcept 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.
Akcept Finance'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.
Akcept Finance (WAR:AFC) has a Quick Ratio of 0.83 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Akcept Finance and its competitors. This is 62% below median its historical median of 2.20. Over the past decade, Akcept Finance's Quick Ratio has ranged from 0.71 to 15.10. According to the industry distribution chart, Akcept Finance ranks #367 out of 394 companies in the Credit Services industry, placing it in the top 93.1%.
Is Akcept Finance's Quick Ratio too high?
Akcept Finance's current Quick Ratio of 0.83 is 62% below median its 10-year median of 2.20. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 15.10. The Credit Services industry median Quick Ratio is 4.86. Akcept Finance's value of 0.83 is 82.9% below this industry median. Based on the distribution chart, Akcept Finance ranks #367 out of 394 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Akcept Finance has a GF Score™ of 28/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Akcept Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Akcept Finance ranks #367 out of 394 companies for Quick Ratio. This places Akcept Finance in the lower half of its industry. The industry median Quick Ratio is 4.86. Akcept Finance's value of 0.83 is 82.9% below this benchmark. Historically, Akcept Finance's own Quick Ratio has ranged from 0.71 to 15.10 over the past decade. While the company's 10-year median is 2.20 vs. the industry median of 4.86, Akcept Finance has consistently been below 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. Akcept Finance's current Quick Ratio of 0.83 is 82.9% 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 Akcept Finance 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. Akcept Finance's current Quick Ratio is 0.83, which is 62% below median its own 10-year median of 2.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Akcept Finance stock overvalued right now?
Based on GuruFocus' analysis, Akcept Finance (WAR:AFC) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.40, compared to a current price of zł0.25 — trading 38.5% below its estimated fair value. The current Quick Ratio is 0.83, which is 62% below median its 10-year median of 2.20 and 82.9% below the Credit Services industry median of 4.86. Akcept Finance's overall GF Score™ is 28/100 with 4 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 Akcept Finance (WAR:AFC), the current Quick Ratio is 0.83 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 Akcept Finance (WAR:AFC) Overvalued in 2026?
Based on GuruFocus' analysis, Akcept Finance stock appears to be undervalued.
The current stock price of zł0.25 is trading 38.5% below its estimated GF Value™ of zł0.40.
GuruFocus considers Akcept Finance to be Possible Value Trap.
Key valuation signals for WAR:AFC:
Quick Ratio: 0.83 (62% below median its 10-year median of 2.20)
GF Value™: zł0.40 vs. price of zł0.25 (38.5% below fair value)
Industry Position: 82.9% below the Credit Services median (#367 of 394)
No single metric tells the full story. See the WAR:AFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Akcept Finance SA provides various financial services to micro-enterprises, SMEs, and publicly traded companies. The company's financial services include full factoring services, half-factoring, discounting of bills and funds raising in Europe.
28GF Score
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