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Thaire Life Assurance PCLBKK:THREL-R +22.29%33 Cash-to-Debt is 23.49 as of Jun. 2026, which is 82% below its 10-year median of 128.83. GuruFocus rates BKK:THREL-R with a GF Score™ of 33/100 and a GF Value™ of ฿0.83 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 490 Insurance companies, Thaire Life Assurance PCL ranks better than 73.47% 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. Thaire Life Assurance PCL's cash to debt ratio for the quarter that ended in Jun. 2026 was 23.49.
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, Thaire Life Assurance 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 Thaire Life Assurance PCL's Cash-to-Debt or its related term are showing as below:
BKK:THREL-R'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.97 Med: 128.83 Max: No Debt
Current: 23.49
During the past 13 years, Thaire Life Assurance PCL's highest Cash to Debt Ratio was No Debt. The lowest was 1.97. And the median was 128.83.
BKK:THREL-R's Cash-to-Debt is ranked better than 73.47% of 490
companies
in the Insurance industry
Industry Median: 2.075
vs BKK:THREL-R: 23.49
Thaire Life Assurance PCL (BKK:THREL-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.
Thaire Life Assurance PCL Cash-to-Debt Related Terms
Thaire Life Assurance 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.
BKK:THREL-R vs RGA, EG, RNR: Cash-to-Debt Comparison
For the Insurance - Reinsurance subindustry, Thaire Life Assurance 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.
Thaire Life Assurance PCL Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Thaire Life Assurance PCL's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Thaire Life Assurance 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.
Thaire Life Assurance PCL (BKK:THREL-R) has a Cash-to-Debt of 23.49 as of Jun. 2026. This is 82% below median its historical median of 128.83. Over the past decade, Thaire Life Assurance PCL's Cash-to-Debt has ranged from 1.97 to 10,000.00. According to the industry distribution chart, Thaire Life Assurance PCL ranks #130 out of 490 companies in the Insurance industry, placing it in the top 26.5%.
Is Thaire Life Assurance PCL's Cash-to-Debt too high?
Thaire Life Assurance PCL's current Cash-to-Debt of 23.49 is 82% below median its 10-year median of 128.83. Over the past 10 years, this metric has ranged from a low of 1.97 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.08. Thaire Life Assurance PCL's value of 23.49 is 1032% above this industry median. Based on the distribution chart, Thaire Life Assurance PCL ranks #130 out of 490 companies in the Insurance industry, which is above the industry midpoint. Overall, Thaire Life Assurance PCL has a GF Score™ of 33/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thaire Life Assurance PCL's Cash-to-Debt compare to RGA and EG?
According to the Insurance industry distribution chart, Thaire Life Assurance PCL ranks #130 out of 490 companies for Cash-to-Debt. This puts Thaire Life Assurance PCL in the upper half of its industry. The industry median Cash-to-Debt is 2.08. Thaire Life Assurance PCL's value of 23.49 is 1032% above this benchmark. Historically, Thaire Life Assurance PCL's own Cash-to-Debt has ranged from 1.97 to 10,000.00 over the past decade. While the company's 10-year median is 128.83 vs. the industry median of 2.08, Thaire Life Assurance 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 2.08, based on 490 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. Thaire Life Assurance PCL's current Cash-to-Debt of 23.49 is 1032% 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 2.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thaire Life Assurance PCL's current Cash-to-Debt is 23.49, which is 82% below median its own 10-year median of 128.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thaire Life Assurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Thaire Life Assurance PCL (BKK:THREL-R) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿0.83, compared to a current price of ฿1.43 — trading 72.4% above its estimated fair value. The current Cash-to-Debt is 23.49, which is 82% below median its 10-year median of 128.83 and 1032% above the Insurance industry median of 2.08. Thaire Life Assurance PCL's overall GF Score™ is 33/100 with 4 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 Thaire Life Assurance PCL (BKK:THREL-R), the current Cash-to-Debt is 23.49 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 Thaire Life Assurance PCL (BKK:THREL-R) Overvalued in 2026?
Based on GuruFocus' analysis, Thaire Life Assurance PCL stock appears to be overvalued.
The current stock price of ฿1.43 is trading 72.4% above its estimated GF Value™ of ฿0.83.
GuruFocus considers Thaire Life Assurance PCL to be Significantly Overvalued.
Key valuation signals for BKK:THREL-R:
Cash-to-Debt: 23.49 (82% below median its 10-year median of 128.83)
GF Value™: ฿0.83 vs. price of ฿1.43 (72.4% above fair value)
Industry Position: 1032% above the Insurance median (#130 of 490)
No single metric tells the full story. See the BKK:THREL-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thaire Life Assurance PCL is a local reinsurer in Thailand. The company is engaged in the provision of life reinsurance services such as ordinary life, group life, credit life and personal accident and health. It operates through the Conventional and Non-Conventional product segments. The conventional product line includes products that are already available in the market. The non-conventional products refers to new types of products, which are introduced by the group in cooperation with other life insurance companies. Geographically the activities are functioned through Thailand.
33GF Score
Get the complete analysis for BKK:THREL-R
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