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. IFS Capital Holdings (Thailand) PCL's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.22.
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, IFS Capital Holdings (Thailand) PCLcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
BKK:IFS-R'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1 Med: 0.19 Max: 0.3
Current: 0.22
During the past 13 years, IFS Capital Holdings (Thailand) PCL's highest Cash to Debt Ratio was 0.30. The lowest was 0.10. And the median was 0.19.
BKK:IFS-R's Cash-to-Debt is ranked better than 52.83% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs BKK:IFS-R: 0.22
IFS Capital Holdings (Thailand) PCL (BKK:IFS-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.
IFS Capital Holdings (Thailand) PCL Cash-to-Debt Related Terms
IFS Capital Holdings (Thailand) PCL 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.
IFS Capital Holdings (Thailand) PCL Cash-to-Debt Chart
For the Credit Services subindustry, IFS Capital Holdings (Thailand) 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.
IFS Capital Holdings (Thailand) PCL Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital Holdings (Thailand) PCL's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where IFS Capital Holdings (Thailand) 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.
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) has a Cash-to-Debt of 0.22 as of Mar. 2026. This is 16% above median its historical median of 0.19. Over the past decade, IFS Capital Holdings (Thailand) PCL's Cash-to-Debt has ranged from 0.10 to 0.30. According to the industry distribution chart, IFS Capital Holdings (Thailand) PCL ranks #242 out of 513 companies in the Credit Services industry, placing it in the top 47.2%.
Is IFS Capital Holdings (Thailand) PCL's Cash-to-Debt too high?
IFS Capital Holdings (Thailand) PCL's current Cash-to-Debt of 0.22 is 16% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.30. The Credit Services industry median Cash-to-Debt is 0.20. IFS Capital Holdings (Thailand) PCL's value of 0.22 is 10% above this industry median. Based on the distribution chart, IFS Capital Holdings (Thailand) PCL ranks #242 out of 513 companies in the Credit Services industry, which is above the industry midpoint. Overall, IFS Capital Holdings (Thailand) PCL has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does IFS Capital Holdings (Thailand) PCL's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital Holdings (Thailand) PCL ranks #242 out of 513 companies for Cash-to-Debt. This puts IFS Capital Holdings (Thailand) PCL in the upper half of its industry. The industry median Cash-to-Debt is 0.20. IFS Capital Holdings (Thailand) PCL's value of 0.22 is 10% above this benchmark. Historically, IFS Capital Holdings (Thailand) PCL's own Cash-to-Debt has ranged from 0.10 to 0.30 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.20, IFS Capital Holdings (Thailand) 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 0.20, based on 513 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. IFS Capital Holdings (Thailand) PCL's current Cash-to-Debt of 0.22 is 10% 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 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital Holdings (Thailand) PCL's current Cash-to-Debt is 0.22, which is 16% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFS Capital Holdings (Thailand) PCL stock overvalued right now?
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) has a current Cash-to-Debt of 0.22. The stock's GF Value™ is ฿2.64, compared to a current price of ฿1.89 — trading 28.4% below its estimated fair value. The current Cash-to-Debt is 0.22, which is 16% above median its 10-year median of 0.19 and 10% above the Credit Services industry median of 0.20. IFS Capital Holdings (Thailand) PCL's overall GF Score™ is 70/100 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 IFS Capital Holdings (Thailand) PCL (BKK:IFS-R), the current Cash-to-Debt is 0.22 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 IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) Overvalued in 2026?
Based on GuruFocus' analysis, IFS Capital Holdings (Thailand) PCL stock appears to be undervalued.
The current stock price of ฿1.89 is trading 28.4% below its estimated GF Value™ of ฿2.64.
Key valuation signals for BKK:IFS-R:
Cash-to-Debt: 0.22 (16% above median its 10-year median of 0.19)
GF Value™: ฿2.64 vs. price of ฿1.89 (28.4% below fair value)
Industry Position: 10% above the Credit Services median (#242 of 513)
No single metric tells the full story. See the BKK:IFS-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IFS Capital Holdings (Thailand) PCL Business Description
IFS Capital Holdings (Thailand) PCL is a Thailand-based company which is involved in three business segments. A factoring business is a short-term loan that provides liquidity to the business immediately and enables the business to increase its turnover in the form of buying accounts receivable. The factoring facility applies to both domestic and international sales. Hire purchase and finance leasing businesses are long-term loans for investment in the business industry. Others encompass a range of activities from corporate decisions, income, and expenses not attributed to the business segments described. The majority of revenue is derived from Factoring Business.
70GF Score
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