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General CapitalNZSE:GEN 42 Cash Ratio is 9.04 as of Mar. 2026, which is 12% below its 10-year median of 10.30. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$1.00 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 44 Banks companies, General Capital ranks better than 79.55% 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.
General Capital Cash Ratio Related Terms
General Capital Cash Ratio Historical Data
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The historical data trend for General Capital'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.
NZSE:GEN vs RKT, FNMA, PFSI: Cash Ratio Comparison
For the Mortgage Finance subindustry, General Capital'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.
General Capital Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's Cash Ratio distribution charts can be found below:
* The bar in red indicates where General Capital'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.
General Capital (NZSE:GEN) has a Cash Ratio of 9.04 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on General Capital and its competitors. This is 12% below median its historical median of 10.30. Over the past decade, General Capital's Cash Ratio has ranged from 0.28 to 75.84. According to the industry distribution chart, General Capital ranks #9 out of 44 companies in the Banks industry, placing it in the top 20.5%.
Is General Capital's Cash Ratio too high?
General Capital's current Cash Ratio of 9.04 is 12% below median its 10-year median of 10.30. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 75.84. The Banks industry median Cash Ratio is 0.67. General Capital's value of 9.04 is 1249.3% above this industry median. Based on the distribution chart, General Capital ranks #9 out of 44 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's Cash Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #9 out of 44 companies for Cash Ratio. This places General Capital in the top 21% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.67. General Capital's value of 9.04 is 1249.3% above this benchmark. Historically, General Capital's own Cash Ratio has ranged from 0.28 to 75.84 over the past decade. While the company's 10-year median is 10.30 vs. the industry median of 0.67, General Capital 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 Banks company?
The median Cash Ratio among Banks companies is 0.67, based on 44 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. General Capital's current Cash Ratio of 9.04 is 1249.3% 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 General Capital and its competitors. For the Banks industry, the median Cash Ratio is 0.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current Cash Ratio is 9.04, which is 12% below median its own 10-year median of 10.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$1.00, compared to a current price of NZ$0.26 — trading 74% below its estimated fair value. The current Cash Ratio is 9.04, which is 12% below median its 10-year median of 10.30 and 1249.3% above the Banks industry median of 0.67. General Capital's overall GF Score™ is 42/100 with 3 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 General Capital (NZSE:GEN), the current Cash Ratio is 9.04 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.26 is trading 74% below its estimated GF Value™ of NZ$1.00.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
Cash Ratio: 9.04 (12% below median its 10-year median of 10.30)
GF Value™: NZ$1.00 vs. price of NZ$0.26 (74% below fair value)
Industry Position: 1249.3% above the Banks median (#9 of 44)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score
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