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Plenti GroupASX:PLT 53 Cash-to-Debt is 0.08 as of Mar. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates ASX:PLT with a GF Score™ of 53/100 and a GF Value™ of A$1.11 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 515 Credit Services companies, Plenti Group ranks worse than 66.41% 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. Plenti Group's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.08.
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, Plenti Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Plenti Group's Cash-to-Debt or its related term are showing as below:
ASX:PLT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.09 Max: 0.23
Current: 0.08
During the past 6 years, Plenti Group's highest Cash to Debt Ratio was 0.23. The lowest was 0.07. And the median was 0.09.
ASX:PLT's Cash-to-Debt is ranked worse than 66.41% of 515
companies
in the Credit Services industry
Industry Median: 0.19
vs ASX:PLT: 0.08
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.
Plenti Group Cash-to-Debt Related Terms
Plenti Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Plenti 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 Credit Services subindustry, Plenti 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.
Plenti Group Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Plenti 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.
Plenti Group (ASX:PLT) has a Cash-to-Debt of 0.08 as of Mar. 2026. This is 11% below median its historical median of 0.09. Over the past decade, Plenti Group's Cash-to-Debt has ranged from 0.07 to 0.23. According to the industry distribution chart, Plenti Group ranks #342 out of 515 companies in the Credit Services industry, placing it in the top 66.4%.
Is Plenti Group's Cash-to-Debt too high?
Plenti Group's current Cash-to-Debt of 0.08 is 11% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.23. The Credit Services industry median Cash-to-Debt is 0.19. Plenti Group's value of 0.08 is 57.9% below this industry median. Based on the distribution chart, Plenti Group ranks #342 out of 515 companies in the Credit Services industry, which is below the industry midpoint. Overall, Plenti Group has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #342 out of 515 companies for Cash-to-Debt. This places Plenti Group in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Plenti Group's value of 0.08 is 57.9% below this benchmark. Historically, Plenti Group's own Cash-to-Debt has ranged from 0.07 to 0.23 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.19, Plenti 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 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. Plenti Group's current Cash-to-Debt of 0.08 is 57.9% 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. Plenti Group's current Cash-to-Debt is 0.08, which is 11% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Modestly Undervalued. The stock's GF Value™ is A$1.11, compared to a current price of A$0.82 — trading 26.6% below its estimated fair value. The current Cash-to-Debt is 0.08, which is 11% below median its 10-year median of 0.09 and 57.9% below the Credit Services industry median of 0.19. Plenti Group's overall GF Score™ is 53/100 with 6 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 Plenti Group (ASX:PLT), the current Cash-to-Debt is 0.08 as of Mar. 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.82 is trading 26.6% below its estimated GF Value™ of A$1.11.
GuruFocus considers Plenti Group to be Modestly Undervalued.
Key valuation signals for ASX:PLT:
Cash-to-Debt: 0.08 (11% below median its 10-year median of 0.09)
GF Value™: A$1.11 vs. price of A$0.82 (26.6% below fair value)
Industry Position: 57.9% below the Credit Services median (#342 of 515)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
53GF Score
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