Non-Standard Finance (LSE:NSF) Cash-to-Debt : 0.13 (As of Dec. 2022)

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What is Non-Standard Finance Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Non-Standard Finance's cash to debt ratio for the quarter that ended in Dec. 2022 was 0.13.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Non-Standard Finance couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2022.

The historical rank and industry rank for Non-Standard Finance's Cash-to-Debt or its related term are showing as below:

LSE:NSF's Cash-to-Debt is not ranked ^*
in the Credit Services industry.
Industry Median: 0.225
* Ranked among companies with meaningful Cash-to-Debt only.

Non-Standard Finance Cash-to-Debt Historical Data

The historical data trend for Non-Standard Finance's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Non-Standard Finance Cash-to-Debt Chart

Non-Standard Finance Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Cash-to-Debt

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0.05

0.04

0.23

0.34

0.13

Non-Standard Finance Semi-Annual Data
	Jun15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22
Cash-to-Debt	Get a 7-Day Free Trial										0.23	0.31	0.34	0.33	0.13

Competitive Comparison of Non-Standard Finance's Cash-to-Debt

For the Credit Services subindustry, Non-Standard Finance's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.

Non-Standard Finance's Cash-to-Debt Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Non-Standard Finance's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Non-Standard Finance's Cash-to-Debt falls into.

Non-Standard Finance Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Non-Standard Finance's Cash to Debt Ratio for the fiscal year that ended in Dec. 2022 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	32.783	/	(0	+	262.46)
	=	0.12

Non-Standard Finance's Cash to Debt Ratio for the quarter that ended in Dec. 2022 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	32.783	/	(0	+	262.46)
	=	0.12

Non-Standard Finance (LSE:NSF) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Non-Standard Finance Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Non-Standard Finance's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Non-Standard Finance (LSE:NSF) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Non-Standard Finance PLC (LSE:NSF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

The Bothy, The Nostell Estate Yard The Nostell Estate, Nostell, Wakefield, West Yorkshire, GBR, WF4 1AB

Website

https://www.nsfgroupplc.com

Non-Standard Finance PLC is a consumer finance provider based in the United Kingdom. Its core business is the provision of consumer finance through loans and other credit facilities throughout the country. Its business is structured in four segments, namely, Branch-based lending (Everyday Loans); Guarantor loans (TrustTwo and George Banco); Home credit (Loans at Home); and Central (head office activities). The company has a Home Credit Division, which trades as Loans at Home. The company's subsidiary Trust Two focuses on guaranteed loans in the non-standard finance sector. Everyday Loans provides unsecured consumer loans, primarily on a face-to-face basis, through its network of branches across the country.

Non-Standard Finance (LSE:NSF) Headlines

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