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Allam Bank BSCBAH:SALAM +0.49%56 Cash-to-Debt is 1.14 as of Mar. 2026, which is 21% below its 10-year median of 1.44. GuruFocus rates BAH:SALAM with a GF Score™ of 56/100 and a GF Value™ of BHD0.34 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,486 Banks companies, Allam Bank BSC ranks worse than 54.17% 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. Allam Bank BSC's cash to debt ratio for the quarter that ended in Mar. 2026 was 1.14.
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, Allam Bank BSCcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Allam Bank BSC's Cash-to-Debt or its related term are showing as below:
BAH:SALAM'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.69 Med: 1.44 Max: 4.02
Current: 1.14
During the past 13 years, Allam Bank BSC's highest Cash to Debt Ratio was 4.02. The lowest was 0.69. And the median was 1.44.
BAH:SALAM's Cash-to-Debt is ranked worse than 54.17% of 1486
companies
in the Banks industry
Industry Median: 1.37
vs BAH:SALAM: 1.14
Allam Bank BSC (BAH:SALAM) 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.
Allam Bank BSC Cash-to-Debt Related Terms
Allam Bank BSC Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Allam Bank BSC'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, Allam Bank BSC'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.
Allam Bank BSC Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Allam Bank BSC's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Allam Bank BSC'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.
Allam Bank BSC (BAH:SALAM) has a Cash-to-Debt of 1.14 as of Mar. 2026. This is 21% below median its historical median of 1.44. Over the past decade, Allam Bank BSC's Cash-to-Debt has ranged from 0.69 to 4.02. According to the industry distribution chart, Allam Bank BSC ranks #805 out of 1486 companies in the Banks industry, placing it in the top 54.2%.
Is Allam Bank BSC's Cash-to-Debt too high?
Allam Bank BSC's current Cash-to-Debt of 1.14 is 21% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 4.02. The Banks industry median Cash-to-Debt is 1.37. Allam Bank BSC's value of 1.14 is 16.8% below this industry median. Based on the distribution chart, Allam Bank BSC ranks #805 out of 1486 companies in the Banks industry, which is below the industry midpoint. Overall, Allam Bank BSC has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allam Bank BSC's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Allam Bank BSC ranks #805 out of 1486 companies for Cash-to-Debt. This places Allam Bank BSC in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Allam Bank BSC's value of 1.14 is 16.8% below this benchmark. Historically, Allam Bank BSC's own Cash-to-Debt has ranged from 0.69 to 4.02 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.37, Allam Bank BSC 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 1.37, based on 1,486 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. Allam Bank BSC's current Cash-to-Debt of 1.14 is 16.8% 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allam Bank BSC's current Cash-to-Debt is 1.14, which is 21% below median its own 10-year median of 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allam Bank BSC stock overvalued right now?
Based on GuruFocus' analysis, Allam Bank BSC (BAH:SALAM) is currently considered Significantly Undervalued. The stock's GF Value™ is BHD0.34, compared to a current price of BHD0.21 — trading 39.1% below its estimated fair value. The current Cash-to-Debt is 1.14, which is 21% below median its 10-year median of 1.44 and 16.8% below the Banks industry median of 1.37. Allam Bank BSC's overall GF Score™ is 56/100 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 Allam Bank BSC (BAH:SALAM), the current Cash-to-Debt is 1.14 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 Allam Bank BSC (BAH:SALAM) Overvalued in 2026?
Based on GuruFocus' analysis, Allam Bank BSC stock appears to be undervalued.
The current stock price of BHD0.21 is trading 39.1% below its estimated GF Value™ of BHD0.34.
GuruFocus considers Allam Bank BSC to be Significantly Undervalued.
Key valuation signals for BAH:SALAM:
Cash-to-Debt: 1.14 (21% below median its 10-year median of 1.44)
GF Value™: BHD0.34 vs. price of BHD0.21 (39.1% below fair value)
Industry Position: 16.8% below the Banks median (#805 of 1486)
No single metric tells the full story. See the BAH:SALAM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Salam Bank BSC is a banking corporation operating in Bahrain. It provides various Islamic banking products and services in the Kingdom of Bahrain. The company offers money market, trading, and treasury services, including short-term commodities, managing portfolios, and serving clients with a range of investment products, funds, and alternative investments. Besides, it also manages the un-deployed capital of the company by investing it in high-quality financial instruments. The company's reportable segments namely Banking, Treasury, Takaful and Investments. It generates maximum revenue from the Banking segment.
56GF Score
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