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Royal ExchangeNSA:ROYALEX 9 Cash Ratio is 1.15 as of Dec. 2025, which is 39% below its 10-year median of 1.89. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 66 Insurance companies, Royal Exchange ranks better than 65.15% on this metric.
Royal Exchange has a Cash Ratio of 1.15. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for Royal Exchange's Cash Ratio or its related term are showing as below:
NSA:ROYALEX'
s Cash Ratio Range Over the Past 10 Years
Min: 0.14 Med: 1.89 Max: 7.03
Current: 1.15
During the past 13 years, Royal Exchange's highest Cash Ratio was 7.03. The lowest was 0.14. And the median was 1.89.
NSA:ROYALEX's Cash Ratio is ranked better than 65.15% of 66
companies
in the Insurance industry
Industry Median: 0.895
vs NSA:ROYALEX: 1.15
Royal Exchange (NSA:ROYALEX) 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.
Royal Exchange Cash Ratio Related Terms
Royal Exchange Cash Ratio Historical Data
* Premium members only.
The historical data trend for Royal Exchange'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.
NSA:ROYALEX vs BRK.A, AIG, HIG: Cash Ratio Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange Cash Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Royal Exchange'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.
Royal Exchange (NSA:ROYALEX) has a Cash Ratio of 1.15 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Royal Exchange and its competitors. This is 39% below median its historical median of 1.89. Over the past decade, Royal Exchange's Cash Ratio has ranged from 0.14 to 7.03. According to the industry distribution chart, Royal Exchange ranks #23 out of 66 companies in the Insurance industry, placing it in the top 34.8%.
Is Royal Exchange's Cash Ratio too high?
Royal Exchange's current Cash Ratio of 1.15 is 39% below median its 10-year median of 1.89. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 7.03. The Insurance industry median Cash Ratio is 0.90. Royal Exchange's value of 1.15 is 28.5% above this industry median. Based on the distribution chart, Royal Exchange ranks #23 out of 66 companies in the Insurance industry, which is above the industry midpoint. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's Cash Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #23 out of 66 companies for Cash Ratio. This puts Royal Exchange in the upper half of its industry. The industry median Cash Ratio is 0.90. Royal Exchange's value of 1.15 is 28.5% above this benchmark. Historically, Royal Exchange's own Cash Ratio has ranged from 0.14 to 7.03 over the past decade. While the company's 10-year median is 1.89 vs. the industry median of 0.90, Royal Exchange 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 an Insurance company?
The median Cash Ratio among Insurance companies is 0.90, based on 66 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. Royal Exchange's current Cash Ratio of 1.15 is 28.5% 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 Royal Exchange and its competitors. For the Insurance industry, the median Cash Ratio is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Royal Exchange's current Cash Ratio is 1.15, which is 39% below median its own 10-year median of 1.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current Cash Ratio of 1.15. The current Cash Ratio is 1.15, which is 39% below median its 10-year median of 1.89 and 28.5% above the Insurance industry median of 0.90. Royal Exchange's overall GF Score™ is 9/100 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 Royal Exchange (NSA:ROYALEX), the current Cash Ratio is 1.15 as of Dec. 2025. 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
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