Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Amanah Leasing PCLBKK:AMANAH-R 38 Cash-to-Debt is 0.31 as of Mar. 2026, which is 520% above its 10-year median of 0.05. GuruFocus rates BKK:AMANAH-R with a GF Score™ of 38/100 and a GF Value™ of ฿0.71. The stock has 5 warning signs investors should review. Among 514 Credit Services companies, Amanah Leasing PCL ranks better than 58.75% 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. Amanah Leasing PCL's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.31.
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, Amanah Leasing PCLcouldn'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 Amanah Leasing PCL's Cash-to-Debt or its related term are showing as below:
BKK:AMANAH-R'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.05 Max: 0.31
Current: 0.31
During the past 13 years, Amanah Leasing PCL's highest Cash to Debt Ratio was 0.31. The lowest was 0.02. And the median was 0.05.
BKK:AMANAH-R's Cash-to-Debt is ranked better than 58.75% of 514
companies
in the Credit Services industry
Industry Median: 0.19
vs BKK:AMANAH-R: 0.31
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.
Amanah Leasing PCL Cash-to-Debt Related Terms
Amanah Leasing PCL Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Amanah Leasing PCL'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.
BKK:AMANAH-R vs V, MA, AXP: Cash-to-Debt Comparison
For the Credit Services subindustry, Amanah Leasing PCL'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.
Amanah Leasing PCL Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Amanah Leasing PCL's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Amanah Leasing PCL'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.
Amanah Leasing PCL (BKK:AMANAH-R) has a Cash-to-Debt of 0.31 as of Mar. 2026. This is 520% above median its historical median of 0.05. Over the past decade, Amanah Leasing PCL's Cash-to-Debt has ranged from 0.02 to 0.31. According to the industry distribution chart, Amanah Leasing PCL ranks #212 out of 514 companies in the Credit Services industry, placing it in the top 41.2%.
Is Amanah Leasing PCL's Cash-to-Debt too high?
Amanah Leasing PCL's current Cash-to-Debt of 0.31 is 520% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.31. The Credit Services industry median Cash-to-Debt is 0.19. Amanah Leasing PCL's value of 0.31 is 63.2% above this industry median. Based on the distribution chart, Amanah Leasing PCL ranks #212 out of 514 companies in the Credit Services industry, which is above the industry midpoint. Overall, Amanah Leasing PCL has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Amanah Leasing PCL's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Amanah Leasing PCL ranks #212 out of 514 companies for Cash-to-Debt. This puts Amanah Leasing PCL in the upper half of its industry. The industry median Cash-to-Debt is 0.19. Amanah Leasing PCL's value of 0.31 is 63.2% above this benchmark. Historically, Amanah Leasing PCL's own Cash-to-Debt has ranged from 0.02 to 0.31 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.19, Amanah Leasing PCL has consistently been above 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 514 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. Amanah Leasing PCL's current Cash-to-Debt of 0.31 is 63.2% above 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. Amanah Leasing PCL's current Cash-to-Debt is 0.31, which is 520% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amanah Leasing PCL stock overvalued right now?
Amanah Leasing PCL (BKK:AMANAH-R) has a current Cash-to-Debt of 0.31. The stock's GF Value™ is ฿0.71, compared to a current price of ฿0.63 — trading 11.3% below its estimated fair value. The current Cash-to-Debt is 0.31, which is 520% above median its 10-year median of 0.05 and 63.2% above the Credit Services industry median of 0.19. Amanah Leasing PCL's overall GF Score™ is 38/100 with 5 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 Amanah Leasing PCL (BKK:AMANAH-R), the current Cash-to-Debt is 0.31 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 Amanah Leasing PCL (BKK:AMANAH-R) Overvalued in 2026?
Based on GuruFocus' analysis, Amanah Leasing PCL stock appears to be undervalued.
The current stock price of ฿0.63 is trading 11.3% below its estimated GF Value™ of ฿0.71.
Key valuation signals for BKK:AMANAH-R:
Cash-to-Debt: 0.31 (520% above median its 10-year median of 0.05)
GF Value™: ฿0.71 vs. price of ฿0.63 (11.3% below fair value)
Industry Position: 63.2% above the Credit Services median (#212 of 514)
No single metric tells the full story. See the BKK:AMANAH-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amanah Leasing PCL is engaged in financial services, specifically hire-purchase and loans secured against vehicle registrations. The company operates in a single segment, which is the financial services business, in which a geographic area is in Thailand.
38GF Score
Get the complete analysis for BKK:AMANAH-R
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKK:AMANAH-R has been successfully added to your 
