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What is Commonwealth Bank of Australia Cash-to-Debt?
Commonwealth Bank of AustraliaASX:STWIYA 61 Cash-to-Debt is 0.43 as of Dec. 2025, which is 59% above its 10-year median of 0.27. GuruFocus rates ASX:STWIYA with a GF Score™ of 61/100. The stock has 3 warning signs investors should review. Among 1,485 Banks companies, Commonwealth Bank of Australia ranks worse than 78.32% 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. Commonwealth Bank of Australia's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.43.
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, Commonwealth Bank of Australiacouldn'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 Commonwealth Bank of Australia's Cash-to-Debt or its related term are showing as below:
ASX:STWIYA'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11 Med: 0.27 Max: 1.11
Current: 0.43
During the past 13 years, Commonwealth Bank of Australia's highest Cash to Debt Ratio was 1.11. The lowest was 0.11. And the median was 0.27.
ASX:STWIYA's Cash-to-Debt is ranked worse than 78.32% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs ASX:STWIYA: 0.43
Commonwealth Bank of Australia (ASX:STWIYA) 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.
Commonwealth Bank of Australia Cash-to-Debt Related Terms
Commonwealth Bank of Australia 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.
ASX:STWIYA vs JPM, BAC, WFC: Cash-to-Debt Comparison
For the Banks - Diversified subindustry, Commonwealth Bank of Australia'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.
Commonwealth Bank of Australia Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Commonwealth Bank of Australia's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Commonwealth Bank of Australia'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.
Commonwealth Bank of Australia (ASX:STWIYA) has a Cash-to-Debt of 0.43 as of Dec. 2025. This is 59% above median its historical median of 0.27. Over the past decade, Commonwealth Bank of Australia's Cash-to-Debt has ranged from 0.11 to 1.11. According to the industry distribution chart, Commonwealth Bank of Australia ranks #1163 out of 1485 companies in the Banks industry, placing it in the top 78.3%.
Is Commonwealth Bank of Australia's Cash-to-Debt too high?
Commonwealth Bank of Australia's current Cash-to-Debt of 0.43 is 59% above median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.11. The Banks industry median Cash-to-Debt is 1.40. Commonwealth Bank of Australia's value of 0.43 is 69.3% below this industry median. Based on the distribution chart, Commonwealth Bank of Australia ranks #1163 out of 1485 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Commonwealth Bank of Australia has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Commonwealth Bank of Australia's Cash-to-Debt compare to JPM and BAC?
According to the Banks industry distribution chart, Commonwealth Bank of Australia ranks #1163 out of 1485 companies for Cash-to-Debt. This places Commonwealth Bank of Australia in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Commonwealth Bank of Australia's value of 0.43 is 69.3% below this benchmark. Historically, Commonwealth Bank of Australia's own Cash-to-Debt has ranged from 0.11 to 1.11 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 1.40, Commonwealth Bank of Australia 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 Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,485 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. Commonwealth Bank of Australia's current Cash-to-Debt of 0.43 is 69.3% 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 Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commonwealth Bank of Australia's current Cash-to-Debt is 0.43, which is 59% above median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commonwealth Bank of Australia stock overvalued right now?
Commonwealth Bank of Australia (ASX:STWIYA) has a current Cash-to-Debt of 0.43. The current Cash-to-Debt is 0.43, which is 59% above median its 10-year median of 0.27 and 69.3% below the Banks industry median of 1.40. Commonwealth Bank of Australia's overall GF Score™ is 61/100 with 3 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 Commonwealth Bank of Australia (ASX:STWIYA), the current Cash-to-Debt is 0.43 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.
Commonwealth Bank is Australia's largest bank with operations spanning Australia, New Zealand, and Asia. Its core business is the provision of retail, business, and institutional banking services. The bank has emphasized its focus on banking in recent years with a numbers of asset divestments in wealth management and insurance.
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