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SGF Capital PCLBKK:SGF 37 Cash Ratio is 1.87 as of Jun. 2026, which is 149% above its 10-year median of 0.75. GuruFocus rates BKK:SGF with a GF Score™ of 37/100 and a GF Value™ of ฿0.15 (Fairly Valued). The stock has 4 warning signs investors should review. Among 403 Credit Services companies, SGF Capital PCL ranks better than 74.69% on this metric.
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.
SGF Capital PCL Cash Ratio Related Terms
SGF Capital PCL Cash Ratio Historical Data
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The historical data trend for SGF Capital PCL's Cash 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, SGF Capital 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.
SGF Capital PCL Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SGF Capital PCL's Cash Ratio distribution charts can be found below:
* The bar in red indicates where SGF Capital 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.
SGF Capital PCL (BKK:SGF) has a Cash Ratio of 1.87 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on SGF Capital PCL and its competitors. This is 149% above median its historical median of 0.75. Over the past decade, SGF Capital PCL's Cash Ratio has ranged from 0.11 to 18.62. According to the industry distribution chart, SGF Capital PCL ranks #102 out of 403 companies in the Credit Services industry, placing it in the top 25.3%.
Is SGF Capital PCL's Cash Ratio too high?
SGF Capital PCL's current Cash Ratio of 1.87 is 149% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 18.62. The Credit Services industry median Cash Ratio is 0.49. SGF Capital PCL's value of 1.87 is 281.6% above this industry median. Based on the distribution chart, SGF Capital PCL ranks #102 out of 403 companies in the Credit Services industry, which is above the industry midpoint. Overall, SGF Capital PCL has a GF Score™ of 37/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SGF Capital PCL's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, SGF Capital PCL ranks #102 out of 403 companies for Cash Ratio. This puts SGF Capital PCL in the upper half of its industry. The industry median Cash Ratio is 0.49. SGF Capital PCL's value of 1.87 is 281.6% above this benchmark. Historically, SGF Capital PCL's own Cash Ratio has ranged from 0.11 to 18.62 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.49, SGF Capital PCL has consistently been above 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 0.49, based on 403 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. SGF Capital PCL's current Cash Ratio of 1.87 is 281.6% above 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 SGF Capital PCL and its competitors. For the Credit Services industry, the median Cash Ratio is 0.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SGF Capital PCL's current Cash Ratio is 1.87, which is 149% above median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SGF Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SGF Capital PCL (BKK:SGF) is currently considered Fairly Valued. The stock's GF Value™ is ฿0.15, compared to a current price of ฿0.15 — trading right at its estimated fair value. The current Cash Ratio is 1.87, which is 149% above median its 10-year median of 0.75 and 281.6% above the Credit Services industry median of 0.49. SGF Capital PCL's overall GF Score™ is 37/100 with 4 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 SGF Capital PCL (BKK:SGF), the current Cash Ratio is 1.87 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 SGF Capital PCL (BKK:SGF) Overvalued in 2026?
Based on GuruFocus' analysis, SGF Capital PCL stock appears to be undervalued.
The current stock price of ฿0.15 is trading 0% below its estimated GF Value™ of ฿0.15.
GuruFocus considers SGF Capital PCL to be Fairly Valued.
Key valuation signals for BKK:SGF:
Cash Ratio: 1.87 (149% above median its 10-year median of 0.75)
GF Value™: ฿0.15 vs. price of ฿0.15 (0% below fair value)
Industry Position: 281.6% above the Credit Services median (#102 of 403)
No single metric tells the full story. See the BKK:SGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SGF Capital PCL provides funds in the form of hire purchase, leasing, and car for cash and loans, which comprise mortgage loans, loans, and personal loans. Its segments include Hire purchase, leasing, and car for cash segment, and the loan segment, with the majority of the revenue derived from the Hire purchase, leasing, and car for cash segment.
37GF Score
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