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BNK BankingASX:BBC 21 Cash-to-Debt is 1.61 as of Dec. 2025, which is 57% below its 10-year median of 3.74. GuruFocus rates ASX:BBC with a GF Score™ of 21/100 and a GF Value™ of A$0.52 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 1,484 Banks companies, BNK Banking ranks better than 53.91% 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. BNK Banking's cash to debt ratio for the quarter that ended in Dec. 2025 was 1.61.
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, BNK Bankingcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for BNK Banking's Cash-to-Debt or its related term are showing as below:
ASX:BBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.52 Med: 3.74 Max: No Debt
Current: 1.61
During the past 13 years, BNK Banking's highest Cash to Debt Ratio was No Debt. The lowest was 0.52. And the median was 3.74.
ASX:BBC's Cash-to-Debt is ranked better than 53.91% of 1484
companies
in the Banks industry
Industry Median: 1.37
vs ASX:BBC: 1.61
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.
BNK Banking Cash-to-Debt Related Terms
BNK Banking Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for BNK Banking'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, BNK Banking'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.
BNK Banking Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, BNK Banking's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where BNK Banking'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.
BNK Banking (ASX:BBC) has a Cash-to-Debt of 1.61 as of Dec. 2025. This is 57% below median its historical median of 3.74. Over the past decade, BNK Banking's Cash-to-Debt has ranged from 0.52 to 10,000.00. According to the industry distribution chart, BNK Banking ranks #684 out of 1484 companies in the Banks industry, placing it in the top 46.1%.
Is BNK Banking's Cash-to-Debt too high?
BNK Banking's current Cash-to-Debt of 1.61 is 57% below median its 10-year median of 3.74. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.37. BNK Banking's value of 1.61 is 17.5% above this industry median. Based on the distribution chart, BNK Banking ranks #684 out of 1484 companies in the Banks industry, which is above the industry midpoint. Overall, BNK Banking has a GF Score™ of 21/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BNK Banking's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, BNK Banking ranks #684 out of 1484 companies for Cash-to-Debt. This puts BNK Banking in the upper half of its industry. The industry median Cash-to-Debt is 1.37. BNK Banking's value of 1.61 is 17.5% above this benchmark. Historically, BNK Banking's own Cash-to-Debt has ranged from 0.52 to 10,000.00 over the past decade. While the company's 10-year median is 3.74 vs. the industry median of 1.37, BNK Banking 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 1,484 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. BNK Banking's current Cash-to-Debt of 1.61 is 17.5% 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-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. BNK Banking's current Cash-to-Debt is 1.61, which is 57% below median its own 10-year median of 3.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNK Banking stock overvalued right now?
Based on GuruFocus' analysis, BNK Banking (ASX:BBC) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.52, compared to a current price of A$0.27 — trading 48.1% below its estimated fair value. The current Cash-to-Debt is 1.61, which is 57% below median its 10-year median of 3.74 and 17.5% above the Banks industry median of 1.37. BNK Banking's overall GF Score™ is 21/100 with 2 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 BNK Banking (ASX:BBC), the current Cash-to-Debt is 1.61 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.
Is BNK Banking (ASX:BBC) Overvalued in 2026?
Based on GuruFocus' analysis, BNK Banking stock appears to be undervalued.
The current stock price of A$0.27 is trading 48.1% below its estimated GF Value™ of A$0.52.
GuruFocus considers BNK Banking to be Possible Value Trap.
Key valuation signals for ASX:BBC:
Cash-to-Debt: 1.61 (57% below median its 10-year median of 3.74)
GF Value™: A$0.52 vs. price of A$0.27 (48.1% below fair value)
Industry Position: 17.5% above the Banks median (#684 of 1484)
No single metric tells the full story. See the ASX:BBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNK Banking Corp Ltd is engaged in the provision of a range of banking products and services to existing and new customers. The company offers a range of loan products, including home loans, personal loans, car loans, and business loans. It also offers a range of savings and investments, including transaction and savings accounts and term deposits. The company offers general and health insurance. It offers deposit accounts, including General Savings Accounts and Business Accounts. It generates maximum revenue from the Banking segment.
21GF Score
Get the complete analysis for ASX:BBC
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