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ELANA Agrocredit AD SofiaXBUL:EAC 31 Quick Ratio is 2.54 as of Jun. 2026, which is 39% below its 10-year median of 4.16. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 402 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 56.22% on this metric.
ELANA Agrocredit AD Sofia (XBUL:EAC) 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.
ELANA Agrocredit AD Sofia Quick Ratio Related Terms
ELANA Agrocredit AD Sofia Quick Ratio Historical Data
* 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, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Quick Ratio distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Quick Ratio of 2.54 as of Jun. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is 39% below median its historical median of 4.16. Over the past decade, ELANA Agrocredit AD Sofia's Quick Ratio has ranged from 1.83 to 8.60. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #226 out of 402 companies in the Credit Services industry, placing it in the top 56.2%.
Is ELANA Agrocredit AD Sofia's Quick Ratio too high?
ELANA Agrocredit AD Sofia's current Quick Ratio of 2.54 is 39% below median its 10-year median of 4.16. Over the past 10 years, this metric has ranged from a low of 1.83 to a high of 8.60. The Credit Services industry median Quick Ratio is 3.57. ELANA Agrocredit AD Sofia's value of 2.54 is 28.8% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #226 out of 402 companies in the Credit Services industry, which is below the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #226 out of 402 companies for Quick Ratio. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median Quick Ratio is 3.57. ELANA Agrocredit AD Sofia's value of 2.54 is 28.8% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own Quick Ratio has ranged from 1.83 to 8.60 over the past decade. While the company's 10-year median is 4.16 vs. the industry median of 3.57, ELANA Agrocredit AD Sofia 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 3.57, based on 402 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. ELANA Agrocredit AD Sofia's current Quick Ratio of 2.54 is 28.8% 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 ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median Quick Ratio is 3.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Quick Ratio is 2.54, which is 39% below median its own 10-year median of 4.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.53 — trading 17.2% below its estimated fair value. The current Quick Ratio is 2.54, which is 39% below median its 10-year median of 4.16 and 28.8% below the Credit Services industry median of 3.57. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current Quick Ratio is 2.54 as of Jun. 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 ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.53 is trading 17.2% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
Quick Ratio: 2.54 (39% below median its 10-year median of 4.16)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 28.8% below the Credit Services median (#226 of 402)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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