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Bank of Sharjah PSCADX:BOS +4.00%28 Cash-to-Debt is 0.53 as of Jun. 2026, which is 54% below its 10-year median of 1.15. GuruFocus rates ADX:BOS with a GF Score™ of 28/100 and a GF Value™ of د.إ1.57 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,490 Banks companies, Bank of Sharjah PSC ranks worse than 73.62% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Bank of Sharjah PSC's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.53.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Bank of Sharjah PSCcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Bank of Sharjah PSC's Cash-to-Debt or its related term are showing as below:
ADX:BOS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.53 Med: 1.15 Max: 2.74
Current: 0.53
During the past 13 years, Bank of Sharjah PSC's highest Cash to Debt Ratio was 2.74. The lowest was 0.53. And the median was 1.15.
ADX:BOS's Cash-to-Debt is ranked worse than 73.62% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs ADX:BOS: 0.53
Bank of Sharjah PSC (ADX:BOS) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Bank of Sharjah PSC Cash-to-Debt Related Terms
Bank of Sharjah PSC Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Bank of Sharjah PSC's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Bank of Sharjah PSC Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Bank of Sharjah PSC's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
Bank of Sharjah PSC Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Sharjah PSC's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Bank of Sharjah PSC's Cash-to-Debt 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.
Bank of Sharjah PSC (ADX:BOS) has a Cash-to-Debt of 0.53 as of Jun. 2026. This is 54% below median its historical median of 1.15. Over the past decade, Bank of Sharjah PSC's Cash-to-Debt has ranged from 0.53 to 2.74. According to the industry distribution chart, Bank of Sharjah PSC ranks #1097 out of 1490 companies in the Banks industry, placing it in the top 73.6%.
Is Bank of Sharjah PSC's Cash-to-Debt too high?
Bank of Sharjah PSC's current Cash-to-Debt of 0.53 is 54% below median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 2.74. The Banks industry median Cash-to-Debt is 1.38. Bank of Sharjah PSC's value of 0.53 is 61.6% below this industry median. Based on the distribution chart, Bank of Sharjah PSC ranks #1097 out of 1490 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of Sharjah PSC has a GF Score™ of 28/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Sharjah PSC's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Bank of Sharjah PSC ranks #1097 out of 1490 companies for Cash-to-Debt. This places Bank of Sharjah PSC in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Bank of Sharjah PSC's value of 0.53 is 61.6% below this benchmark. Historically, Bank of Sharjah PSC's own Cash-to-Debt has ranged from 0.53 to 2.74 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 1.38, Bank of Sharjah PSC 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-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Sharjah PSC's current Cash-to-Debt of 0.53 is 61.6% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Sharjah PSC's current Cash-to-Debt is 0.53, which is 54% below median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Sharjah PSC stock overvalued right now?
Based on GuruFocus' analysis, Bank of Sharjah PSC (ADX:BOS) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.57, compared to a current price of د.إ1.56 — trading 0.6% below its estimated fair value. The current Cash-to-Debt is 0.53, which is 54% below median its 10-year median of 1.15 and 61.6% below the Banks industry median of 1.38. Bank of Sharjah PSC's overall GF Score™ is 28/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Bank of Sharjah PSC (ADX:BOS), the current Cash-to-Debt is 0.53 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 Bank of Sharjah PSC (ADX:BOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Sharjah PSC stock appears to be undervalued.
The current stock price of د.إ1.56 is trading 0.6% below its estimated GF Value™ of د.إ1.57.
GuruFocus considers Bank of Sharjah PSC to be Fairly Valued.
Key valuation signals for ADX:BOS:
Cash-to-Debt: 0.53 (54% below median its 10-year median of 1.15)
GF Value™: د.إ1.57 vs. price of د.إ1.56 (0.6% below fair value)
Industry Position: 61.6% below the Banks median (#1097 of 1490)
No single metric tells the full story. See the ADX:BOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Sharjah PSC provides commercial and investment banking services. It operates through eight branches in the United Arab Emirates located in the Emirates of Sharjah, Dubai, Abu Dhabi, and the City of Al Ain. It is organized into two segments namely, Commercial Banking and Investment banking. The company provides loans and other credit facilities, deposits and current accounts for corporate, government, institutional and individual customers. It earns a majority of its revenue from commercial banking services.
28GF Score
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