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Latitude Group HoldingsASX:LFS 22 Cash-to-Debt is 0.05 as of Dec. 2025, which is 17% below its 10-year median of 0.06. GuruFocus rates ASX:LFS with a GF Score™ of 22/100. The stock has 1 warning sign investors should review. Among 515 Credit Services companies, Latitude Group Holdings ranks worse than 76.12% 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. Latitude Group Holdings's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.05.
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, Latitude Group Holdingscouldn'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 Latitude Group Holdings's Cash-to-Debt or its related term are showing as below:
ASX:LFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.12
Current: 0.05
During the past 6 years, Latitude Group Holdings's highest Cash to Debt Ratio was 0.12. The lowest was 0.04. And the median was 0.06.
ASX:LFS's Cash-to-Debt is ranked worse than 76.12% of 515
companies
in the Credit Services industry
Industry Median: 0.19
vs ASX:LFS: 0.05
Latitude Group Holdings (ASX:LFS) 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.
Latitude Group Holdings Cash-to-Debt Related Terms
Latitude Group Holdings 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.
For the Credit Services subindustry, Latitude Group Holdings'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.
Latitude Group Holdings Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Latitude Group Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Latitude Group Holdings'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.
Latitude Group Holdings (ASX:LFS) has a Cash-to-Debt of 0.05 as of Dec. 2025. This is 17% below median its historical median of 0.06. Over the past decade, Latitude Group Holdings' Cash-to-Debt has ranged from 0.04 to 0.12. According to the industry distribution chart, Latitude Group Holdings ranks #392 out of 515 companies in the Credit Services industry, placing it in the top 76.1%.
Is Latitude Group Holdings' Cash-to-Debt too high?
Latitude Group Holdings' current Cash-to-Debt of 0.05 is 17% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.12. The Credit Services industry median Cash-to-Debt is 0.19. Latitude Group Holdings' value of 0.05 is 73.7% below this industry median. Based on the distribution chart, Latitude Group Holdings ranks #392 out of 515 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Latitude Group Holdings has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Latitude Group Holdings' Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Latitude Group Holdings ranks #392 out of 515 companies for Cash-to-Debt. This places Latitude Group Holdings in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Latitude Group Holdings' value of 0.05 is 73.7% below this benchmark. Historically, Latitude Group Holdings' own Cash-to-Debt has ranged from 0.04 to 0.12 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.19, Latitude Group Holdings 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 Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 515 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. Latitude Group Holdings's current Cash-to-Debt of 0.05 is 73.7% 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 Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Latitude Group Holdings's current Cash-to-Debt is 0.05, which is 17% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Latitude Group Holdings stock overvalued right now?
Latitude Group Holdings (ASX:LFS) has a current Cash-to-Debt of 0.05. The current Cash-to-Debt is 0.05, which is 17% below median its 10-year median of 0.06 and 73.7% below the Credit Services industry median of 0.19. Latitude Group Holdings' overall GF Score™ is 22/100 with 1 warning sign 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 Latitude Group Holdings (ASX:LFS), the current Cash-to-Debt is 0.05 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.
Latitude Group Holdings Ltd is engaged in the instalments and lending business. Its segments include Australia and New Zealand Pay (A&NZ Pay), Australia and New Zealand Money (A&NZ Money), and Other. The A&NZ Pay segment provides sales finance and credit cards. The A&NZ Money segment offers personal loans and motor loans. The Other segment includes other business activities. It provides payment and finance solutions to merchants and their customers. Customers are provided choice and flexibility, ranging from small everyday purchases to monthly or flexible payment plans for bigger purchases and travel credit cards. These services are offered in Australia, New Zealand, and Asia.
22GF Score
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