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PensionBee GroupLSE:PBEE +2.11%77 Cash Ratio is 5.65 as of Jun. 2026, which is 28% below its 10-year median of 7.89. GuruFocus rates LSE:PBEE with a GF Score™ of 77/100 and a GF Value™ of £2.20 (Significantly Undervalued). Among 684 Capital Markets companies, PensionBee Group ranks better than 84.8% on this metric.
PensionBee Group (LSE:PBEE) 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.
PensionBee Group Cash Ratio Related Terms
PensionBee Group Cash Ratio Historical Data
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The historical data trend for PensionBee Group'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 Capital Markets subindustry, PensionBee Group'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.
PensionBee Group Cash Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, PensionBee Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where PensionBee Group'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.
PensionBee Group (LSE:PBEE) has a Cash Ratio of 5.65 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on PensionBee Group and its competitors. This is 28% below median its historical median of 7.89. Over the past decade, PensionBee Group's Cash Ratio has ranged from 3.21 to 37.73. According to the industry distribution chart, PensionBee Group ranks #104 out of 684 companies in the Capital Markets industry, placing it in the top 15.2%.
Is PensionBee Group's Cash Ratio too high?
PensionBee Group's current Cash Ratio of 5.65 is 28% below median its 10-year median of 7.89. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 37.73. The Capital Markets industry median Cash Ratio is 0.92. PensionBee Group's value of 5.65 is 514.1% above this industry median. Based on the distribution chart, PensionBee Group ranks #104 out of 684 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, PensionBee Group has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's Cash Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, PensionBee Group ranks #104 out of 684 companies for Cash Ratio. This places PensionBee Group in the top 15% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.92. PensionBee Group's value of 5.65 is 514.1% above this benchmark. Historically, PensionBee Group's own Cash Ratio has ranged from 3.21 to 37.73 over the past decade. While the company's 10-year median is 7.89 vs. the industry median of 0.92, PensionBee Group 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 Capital Markets company?
The median Cash Ratio among Capital Markets companies is 0.92, based on 684 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. PensionBee Group's current Cash Ratio of 5.65 is 514.1% 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 PensionBee Group and its competitors. For the Capital Markets industry, the median Cash Ratio is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PensionBee Group's current Cash Ratio is 5.65, which is 28% below median its own 10-year median of 7.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
Based on GuruFocus' analysis, PensionBee Group (LSE:PBEE) is currently considered Significantly Undervalued. The stock's GF Value™ is £2.20, compared to a current price of £1.45 — trading 34.1% below its estimated fair value. The current Cash Ratio is 5.65, which is 28% below median its 10-year median of 7.89 and 514.1% above the Capital Markets industry median of 0.92. PensionBee Group's overall GF Score™ is 77/100. 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 PensionBee Group (LSE:PBEE), the current Cash Ratio is 5.65 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 PensionBee Group (LSE:PBEE) Overvalued in 2026?
Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued.
The current stock price of £1.45 is trading 34.1% below its estimated GF Value™ of £2.20.
GuruFocus considers PensionBee Group to be Significantly Undervalued.
Key valuation signals for LSE:PBEE:
Cash Ratio: 5.65 (28% below median its 10-year median of 7.89)
GF Value™: £2.20 vs. price of £1.45 (34.1% below fair value)
Industry Position: 514.1% above the Capital Markets median (#104 of 684)
No single metric tells the full story. See the LSE:PBEE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
77GF Score
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