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Gemlife Communities GroupASX:GLF 8 Cash-to-Debt is 0.02 as of Dec. 2025, which is 75% below its 10-year median of 0.08. GuruFocus rates ASX:GLF with a GF Score™ of 8/100. The stock has 7 warning signs investors should review. Among 1,751 Real Estate companies, Gemlife Communities Group ranks worse than 91.38% 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. Gemlife Communities Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.02.
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, Gemlife Communities Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Gemlife Communities Group's Cash-to-Debt or its related term are showing as below:
ASX:GLF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.08 Max: 0.15
Current: 0.02
During the past 4 years, Gemlife Communities Group's highest Cash to Debt Ratio was 0.15. The lowest was 0.02. And the median was 0.08.
ASX:GLF's Cash-to-Debt is ranked worse than 91.38% of 1751
companies
in the Real Estate industry
Industry Median: 0.26
vs ASX:GLF: 0.02
Gemlife Communities Group (ASX:GLF) 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.
Gemlife Communities Group Cash-to-Debt Related Terms
Gemlife Communities Group Cash-to-Debt Historical Data
* 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.
Gemlife Communities Group Cash-to-Debt Chart
Gemlife Communities Group Annual Data
Trend
Dec22
Dec23
Dec24
Dec25
Cash-to-Debt
N/A
N/A
0.15
0.02
Gemlife Communities Group Semi-Annual Data
Dec22
Dec23
Dec24
Dec25
Cash-to-Debt
N/A
N/A
0.15
0.02
Gemlife Communities Group Cash-to-Debt Competitor Comparison
For the Real Estate - Development subindustry, Gemlife Communities 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.
Gemlife Communities Group Cash-to-Debt vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Gemlife Communities Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Gemlife Communities 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.
Gemlife Communities Group (ASX:GLF) has a Cash-to-Debt of 0.02 as of Dec. 2025. This is 75% below median its historical median of 0.08. Over the past decade, Gemlife Communities Group's Cash-to-Debt has ranged from 0.02 to 0.15. According to the industry distribution chart, Gemlife Communities Group ranks #1600 out of 1751 companies in the Real Estate industry, placing it in the top 91.4%.
Is Gemlife Communities Group's Cash-to-Debt too high?
Gemlife Communities Group's current Cash-to-Debt of 0.02 is 75% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.15. The Real Estate industry median Cash-to-Debt is 0.26. Gemlife Communities Group's value of 0.02 is 92.3% below this industry median. Based on the distribution chart, Gemlife Communities Group ranks #1600 out of 1751 companies in the Real Estate industry, which is in the bottom quartile relative to peers. Overall, Gemlife Communities Group has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Gemlife Communities Group's Cash-to-Debt compare to competitors?
According to the Real Estate industry distribution chart, Gemlife Communities Group ranks #1600 out of 1751 companies for Cash-to-Debt. This places Gemlife Communities Group in the lower half of its industry. The industry median Cash-to-Debt is 0.26. Gemlife Communities Group's value of 0.02 is 92.3% below this benchmark. Historically, Gemlife Communities Group's own Cash-to-Debt has ranged from 0.02 to 0.15 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.26, Gemlife Communities Group 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 Real Estate company?
The median Cash-to-Debt among Real Estate companies is 0.26, based on 1,751 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. Gemlife Communities Group's current Cash-to-Debt of 0.02 is 92.3% 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 Real Estate industry, the median Cash-to-Debt is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gemlife Communities Group's current Cash-to-Debt is 0.02, which is 75% below median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gemlife Communities Group stock overvalued right now?
Gemlife Communities Group (ASX:GLF) has a current Cash-to-Debt of 0.02. The current Cash-to-Debt is 0.02, which is 75% below median its 10-year median of 0.08 and 92.3% below the Real Estate industry median of 0.26. Gemlife Communities Group's overall GF Score™ is 8/100 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 Gemlife Communities Group (ASX:GLF), the current Cash-to-Debt is 0.02 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.
GemLife Communities Group is a developer, builder, owner, and operator within Australia's Land Lease Community (LLC) sector. It provides premium resort-style living for homeowners aged 50 and over, designed to support a high-quality, active, and socially engaged lifestyle. GemLife focuses on delivering master-planned residential communities to senior downsizers, with homes that are low-maintenance and equipped with recreational and leisure facilities to support community-oriented living. It has two reportable segments: Development and Community Operations. Maximum revenue is generated from the Development segment, which develops the land and sells the home on behalf of the landowner. The Community Operations segment is responsible for the maintenance of the common areas of the communities.
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