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AIB GroupAIBRF -1.75%61 Cash-to-Debt is 3.51 as of Jun. 2026, which is 3% above its 10-year median of 3.40. GuruFocus rates AIBRF with a GF Score™ of 61/100 and a GF Value™ of $7.27 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,492 Banks companies, AIB Group ranks better than 70.78% 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. AIB Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.51.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, AIB Groupcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for AIB Group's Cash-to-Debt or its related term are showing as below:
AIBRF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.85 Med: 3.4 Max: 5.5
Current: 3.51
During the past 13 years, AIB Group's highest Cash to Debt Ratio was 5.50. The lowest was 0.85. And the median was 3.40.
AIBRF's Cash-to-Debt is ranked better than 70.78% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs AIBRF: 3.51
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.
AIB Group Cash-to-Debt Related Terms
AIB Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for AIB Group'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.
For the Banks - Regional subindustry, AIB Group'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.
AIB Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where AIB Group'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.
AIB Group (AIBRF) has a Cash-to-Debt of 3.51 as of Jun. 2026. This is near median its historical median of 3.40. Over the past decade, AIB Group's Cash-to-Debt has ranged from 0.85 to 5.50. According to the industry distribution chart, AIB Group ranks #436 out of 1492 companies in the Banks industry, placing it in the top 29.2%.
Is AIB Group's Cash-to-Debt too high?
AIB Group's current Cash-to-Debt of 3.51 is near median its 10-year median of 3.40. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 5.50. The Banks industry median Cash-to-Debt is 1.37. AIB Group's value of 3.51 is 156.2% above this industry median. Based on the distribution chart, AIB Group ranks #436 out of 1492 companies in the Banks industry, which is above the industry midpoint. Overall, AIB Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's Cash-to-Debt compare to USB and PNC?
According to the Banks industry distribution chart, AIB Group ranks #436 out of 1492 companies for Cash-to-Debt. This puts AIB Group in the upper half of its industry. The industry median Cash-to-Debt is 1.37. AIB Group's value of 3.51 is 156.2% above this benchmark. Historically, AIB Group's own Cash-to-Debt has ranged from 0.85 to 5.50 over the past decade. While the company's 10-year median is 3.40 vs. the industry median of 1.37, AIB 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-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 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. AIB Group's current Cash-to-Debt of 3.51 is 156.2% 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-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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIB Group's current Cash-to-Debt is 3.51, which is near median its own 10-year median of 3.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.27, compared to a current price of $12.89 — trading 77.3% above its estimated fair value. The current Cash-to-Debt is 3.51, which is near median its 10-year median of 3.40 and 156.2% above the Banks industry median of 1.37. AIB Group's overall GF Score™ is 61/100 with 7 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 AIB Group (AIBRF), the current Cash-to-Debt is 3.51 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 AIB Group (AIBRF) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $12.89 is trading 77.3% above its estimated GF Value™ of $7.27.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBRF:
Cash-to-Debt: 3.51 (near median its 10-year median of 3.40)
GF Value™: $7.27 vs. price of $12.89 (77.3% above fair value)
Industry Position: 156.2% above the Banks median (#436 of 1492)
No single metric tells the full story. See the AIBRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
61GF Score
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