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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. Indara Insurance PCL's cash to debt ratio for the quarter that ended in Jun. 2026 was 7.28.
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, Indara Insurance PCLcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Indara Insurance PCL's Cash-to-Debt or its related term are showing as below:
BKK:INSURE-R'
s Cash-to-Debt Range Over the Past 10 Years
Min: 4.08 Med: 35.52 Max: No Debt
Current: 7.28
During the past 13 years, Indara Insurance PCL's highest Cash to Debt Ratio was No Debt. The lowest was 4.08. And the median was 35.52.
BKK:INSURE-R's Cash-to-Debt is ranked better than 64.81% of 486
companies
in the Insurance industry
Industry Median: 2.17
vs BKK:INSURE-R: 7.28
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.
Indara Insurance PCL Cash-to-Debt Related Terms
Indara Insurance PCL Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Indara Insurance 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:INSURE-R vs CB, PGR, TRV: Cash-to-Debt Comparison
For the Insurance - Property & Casualty subindustry, Indara Insurance 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.
Indara Insurance PCL Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Indara Insurance PCL's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Indara Insurance 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.
Indara Insurance PCL (BKK:INSURE-R) has a Cash-to-Debt of 7.28 as of Jun. 2026. This is 80% below median its historical median of 35.52. Over the past decade, Indara Insurance PCL's Cash-to-Debt has ranged from 4.08 to 10,000.00. According to the industry distribution chart, Indara Insurance PCL ranks #171 out of 486 companies in the Insurance industry, placing it in the top 35.2%.
Is Indara Insurance PCL's Cash-to-Debt too high?
Indara Insurance PCL's current Cash-to-Debt of 7.28 is 80% below median its 10-year median of 35.52. Over the past 10 years, this metric has ranged from a low of 4.08 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.17. Indara Insurance PCL's value of 7.28 is 235.5% above this industry median. Based on the distribution chart, Indara Insurance PCL ranks #171 out of 486 companies in the Insurance industry, which is above the industry midpoint. Overall, Indara Insurance PCL has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Indara Insurance PCL's Cash-to-Debt compare to CB and PGR?
According to the Insurance industry distribution chart, Indara Insurance PCL ranks #171 out of 486 companies for Cash-to-Debt. This puts Indara Insurance PCL in the upper half of its industry. The industry median Cash-to-Debt is 2.17. Indara Insurance PCL's value of 7.28 is 235.5% above this benchmark. Historically, Indara Insurance PCL's own Cash-to-Debt has ranged from 4.08 to 10,000.00 over the past decade. While the company's 10-year median is 35.52 vs. the industry median of 2.17, Indara Insurance 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 an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.17, based on 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. Indara Insurance PCL's current Cash-to-Debt of 7.28 is 235.5% 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. Indara Insurance PCL's current Cash-to-Debt is 7.28, which is 80% below median its own 10-year median of 35.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indara Insurance PCL stock overvalued right now?
Indara Insurance PCL (BKK:INSURE-R) has a current Cash-to-Debt of 7.28. The stock's GF Value™ is ฿126.46, compared to a current price of ฿48.25 — trading 61.8% below its estimated fair value. The current Cash-to-Debt is 7.28, which is 80% below median its 10-year median of 35.52 and 235.5% above the Insurance industry median of 2.17. Indara Insurance PCL's overall GF Score™ is 53/100 with 1 warning sign 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 Indara Insurance PCL (BKK:INSURE-R), the current Cash-to-Debt is 7.28 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 Indara Insurance PCL (BKK:INSURE-R) Overvalued in 2026?
Based on GuruFocus' analysis, Indara Insurance PCL stock appears to be undervalued.
The current stock price of ฿48.25 is trading 61.8% below its estimated GF Value™ of ฿126.46.
Key valuation signals for BKK:INSURE-R:
Cash-to-Debt: 7.28 (80% below median its 10-year median of 35.52)
GF Value™: ฿126.46 vs. price of ฿48.25 (61.8% below fair value)
Industry Position: 235.5% above the Insurance median (#171 of 486)
No single metric tells the full story. See the BKK:INSURE-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indara Insurance PCL is a Thailand-based company engaged in the provision of non-life insurance. The company operates in business segments: Motor and Others such as Property, Marine and transportation, Accident and health and Miscellaneous insurance. Majority of revenue is from Motor. The company operates mainly in Thailand. Its Individual Insurance involves Car insurance, Accident and health insurance, Travel insurance, and Home insurance. Its Business Insurance includes: Engineering Insurance, Cargo and hull insurance, Property insurance, and Other insurance.
53GF Score
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