IFS Capital Holdings (Thailand) PCL has a Cash Ratio of 0.22. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
BKK:IFS-R's Cash Ratio is ranked worse than 71.43% of 385
companies
in the Credit Services industry
Industry Median: 0.66
vs BKK:IFS-R: 0.22
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
IFS Capital Holdings (Thailand) PCL Cash Ratio Related Terms
IFS Capital Holdings (Thailand) PCL Cash 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.
IFS Capital Holdings (Thailand) PCL Cash Ratio Chart
For the Credit Services subindustry, IFS Capital Holdings (Thailand) PCL's Cash Ratio, along with its competitors' market caps and Cash 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.
IFS Capital Holdings (Thailand) PCL Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital Holdings (Thailand) PCL's Cash Ratio distribution charts can be found below:
* The bar in red indicates where IFS Capital Holdings (Thailand) PCL's Cash Ratio falls into.
* 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.
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) has a Cash Ratio of 0.22 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on IFS Capital Holdings (Thailand) PCL and its competitors. This is 16% above median its historical median of 0.19. Over the past decade, IFS Capital Holdings (Thailand) PCL's Cash Ratio has ranged from 0.10 to 0.31. According to the industry distribution chart, IFS Capital Holdings (Thailand) PCL ranks #275 out of 385 companies in the Credit Services industry, placing it in the top 71.4%.
Is IFS Capital Holdings (Thailand) PCL's Cash Ratio too high?
IFS Capital Holdings (Thailand) PCL's current Cash Ratio of 0.22 is 16% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.31. The Credit Services industry median Cash Ratio is 0.66. IFS Capital Holdings (Thailand) PCL's value of 0.22 is 66.7% below this industry median. Based on the distribution chart, IFS Capital Holdings (Thailand) PCL ranks #275 out of 385 companies in the Credit Services industry, which is below the industry midpoint. Overall, IFS Capital Holdings (Thailand) PCL has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does IFS Capital Holdings (Thailand) PCL's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital Holdings (Thailand) PCL ranks #275 out of 385 companies for Cash Ratio. This places IFS Capital Holdings (Thailand) PCL in the lower half of its industry. The industry median Cash Ratio is 0.66. IFS Capital Holdings (Thailand) PCL's value of 0.22 is 66.7% below this benchmark. Historically, IFS Capital Holdings (Thailand) PCL's own Cash Ratio has ranged from 0.10 to 0.31 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.66, IFS Capital Holdings (Thailand) PCL 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 Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.66, based on 385 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IFS Capital Holdings (Thailand) PCL's current Cash Ratio of 0.22 is 66.7% 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 Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on IFS Capital Holdings (Thailand) PCL and its competitors. For the Credit Services industry, the median Cash Ratio is 0.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital Holdings (Thailand) PCL's current Cash Ratio is 0.22, which is 16% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFS Capital Holdings (Thailand) PCL stock overvalued right now?
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) has a current Cash Ratio of 0.22. The stock's GF Value™ is ฿2.74, compared to a current price of ฿1.89 — trading 31% below its estimated fair value. The current Cash Ratio is 0.22, which is 16% above median its 10-year median of 0.19 and 66.7% below the Credit Services industry median of 0.66. IFS Capital Holdings (Thailand) PCL's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For IFS Capital Holdings (Thailand) PCL (BKK:IFS-R), the current Cash Ratio is 0.22 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 IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) Overvalued in 2026?
Based on GuruFocus' analysis, IFS Capital Holdings (Thailand) PCL stock appears to be undervalued.
The current stock price of ฿1.89 is trading 31% below its estimated GF Value™ of ฿2.74.
Key valuation signals for BKK:IFS-R:
Cash Ratio: 0.22 (16% above median its 10-year median of 0.19)
GF Value™: ฿2.74 vs. price of ฿1.89 (31% below fair value)
Industry Position: 66.7% below the Credit Services median (#275 of 385)
No single metric tells the full story. See the BKK:IFS-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IFS Capital Holdings (Thailand) PCL Business Description
IFS Capital Holdings (Thailand) PCL is a Thailand-based company which is involved in three business segments. A factoring business is a short-term loan that provides liquidity to the business immediately and enables the business to increase its turnover in the form of buying accounts receivable. The factoring facility applies to both domestic and international sales. Hire purchase and finance leasing businesses are long-term loans for investment in the business industry. Others encompass a range of activities from corporate decisions, income, and expenses not attributed to the business segments described. The majority of revenue is derived from Factoring Business.
70GF Score
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