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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. Allianz Ayudhya Capital's cash to debt ratio for the quarter that ended in Jun. 2026 was 19.35.
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, Allianz Ayudhya Capitalcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Allianz Ayudhya Capital's Cash-to-Debt or its related term are showing as below:
BKK:AYUD-R'
s Cash-to-Debt Range Over the Past 10 Years
Min: 6.55 Med: 21.95 Max: No Debt
Current: 19.35
During the past 13 years, Allianz Ayudhya Capital's highest Cash to Debt Ratio was No Debt. The lowest was 6.55. And the median was 21.95.
BKK:AYUD-R's Cash-to-Debt is ranked better than 70.7% of 488
companies
in the Insurance industry
Industry Median: 2.17
vs BKK:AYUD-R: 19.35
Allianz Ayudhya Capital (BKK:AYUD-R) 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.
Allianz Ayudhya Capital Cash-to-Debt Related Terms
Allianz Ayudhya Capital 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.
BKK:AYUD-R vs CB, PGR, TRV: Cash-to-Debt Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital (BKK:AYUD-R) has a Cash-to-Debt of 19.35 as of Jun. 2026. This is 12% below median its historical median of 21.95. Over the past decade, Allianz Ayudhya Capital's Cash-to-Debt has ranged from 6.55 to 10,000.00. According to the industry distribution chart, Allianz Ayudhya Capital ranks #143 out of 488 companies in the Insurance industry, placing it in the top 29.3%.
Is Allianz Ayudhya Capital's Cash-to-Debt too high?
Allianz Ayudhya Capital's current Cash-to-Debt of 19.35 is 12% below median its 10-year median of 21.95. Over the past 10 years, this metric has ranged from a low of 6.55 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.17. Allianz Ayudhya Capital's value of 19.35 is 791.7% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #143 out of 488 companies in the Insurance industry, which is above the industry midpoint. Overall, Allianz Ayudhya Capital has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's Cash-to-Debt compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #143 out of 488 companies for Cash-to-Debt. This puts Allianz Ayudhya Capital in the upper half of its industry. The industry median Cash-to-Debt is 2.17. Allianz Ayudhya Capital's value of 19.35 is 791.7% above this benchmark. Historically, Allianz Ayudhya Capital's own Cash-to-Debt has ranged from 6.55 to 10,000.00 over the past decade. While the company's 10-year median is 21.95 vs. the industry median of 2.17, Allianz Ayudhya Capital 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 an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.17, based on 488 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. Allianz Ayudhya Capital's current Cash-to-Debt of 19.35 is 791.7% 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 Insurance industry, the median Cash-to-Debt is 2.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current Cash-to-Debt is 19.35, which is 12% below median its own 10-year median of 21.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD-R) is currently considered Fairly Valued. The stock's GF Value™ is ฿44.43, compared to a current price of ฿44.00 — trading 1% below its estimated fair value. The current Cash-to-Debt is 19.35, which is 12% below median its 10-year median of 21.95 and 791.7% above the Insurance industry median of 2.17. Allianz Ayudhya Capital's overall GF Score™ is 84/100 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 Allianz Ayudhya Capital (BKK:AYUD-R), the current Cash-to-Debt is 19.35 as of Jun. 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 Allianz Ayudhya Capital (BKK:AYUD-R) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿44.00 is trading 1% below its estimated GF Value™ of ฿44.43.
GuruFocus considers Allianz Ayudhya Capital to be Fairly Valued.
Key valuation signals for BKK:AYUD-R:
Cash-to-Debt: 19.35 (12% below median its 10-year median of 21.95)
GF Value™: ฿44.43 vs. price of ฿44.00 (1% below fair value)
Industry Position: 791.7% above the Insurance median (#143 of 488)
No single metric tells the full story. See the BKK:AYUD-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
84GF Score
Get the complete analysis for BKK:AYUD-R
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