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Creditison CoCSASF 86 Cash-to-Debt is 0.03 as of Dec. 2025, which is 25% below its 10-year median of 0.04. GuruFocus rates CSASF with a GF Score™ of 86/100 and a GF Value™ of $22.96. The stock has 7 warning signs investors should review. Among 515 Credit Services companies, Creditison Co ranks worse than 84.47% 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. Creditison Co's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.03.
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, Creditison Cocouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Creditison Co's Cash-to-Debt or its related term are showing as below:
CSASF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.04 Max: 0.18
Current: 0.03
During the past 13 years, Creditison Co's highest Cash to Debt Ratio was 0.18. The lowest was 0.03. And the median was 0.04.
CSASF's Cash-to-Debt is ranked worse than 84.47% of 515
companies
in the Credit Services industry
Industry Median: 0.2
vs CSASF: 0.03
Creditison Co (OTCPK:CSASF) 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.
Creditison Co Cash-to-Debt Related Terms
Creditison Co Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Creditison Co'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.
For the Credit Services subindustry, Creditison Co'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.
Creditison Co Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Creditison Co'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.
Creditison Co (CSASF) has a Cash-to-Debt of 0.03 as of Dec. 2025. This is 25% below median its historical median of 0.04. Over the past decade, Creditison Co's Cash-to-Debt has ranged from 0.03 to 0.18. According to the industry distribution chart, Creditison Co ranks #435 out of 515 companies in the Credit Services industry, placing it in the top 84.5%.
Is Creditison Co's Cash-to-Debt too high?
Creditison Co's current Cash-to-Debt of 0.03 is 25% below median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.18. The Credit Services industry median Cash-to-Debt is 0.20. Creditison Co's value of 0.03 is 85% below this industry median. Based on the distribution chart, Creditison Co ranks #435 out of 515 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Creditison Co has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Creditison Co's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #435 out of 515 companies for Cash-to-Debt. This places Creditison Co in the lower half of its industry. The industry median Cash-to-Debt is 0.20. Creditison Co's value of 0.03 is 85% below this benchmark. Historically, Creditison Co's own Cash-to-Debt has ranged from 0.03 to 0.18 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 0.20, Creditison Co has consistently been below 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 515 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. Creditison Co's current Cash-to-Debt of 0.03 is 85% below 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. Creditison Co's current Cash-to-Debt is 0.03, which is 25% below median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditison Co stock overvalued right now?
Creditison Co (CSASF) has a current Cash-to-Debt of 0.03. The stock's GF Value™ is $22.96, compared to a current price of $23.61 — trading 2.8% above its estimated fair value. The current Cash-to-Debt is 0.03, which is 25% below median its 10-year median of 0.04 and 85% below the Credit Services industry median of 0.20. Creditison Co's overall GF Score™ is 86/100 with 7 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 Creditison Co (CSASF), the current Cash-to-Debt is 0.03 as of Dec. 2025. 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 Creditison Co (CSASF) Overvalued in 2026?
Based on GuruFocus' analysis, Creditison Co stock appears to be overvalued.
The current stock price of $23.61 is trading 2.8% above its estimated GF Value™ of $22.96.
Key valuation signals for CSASF:
Cash-to-Debt: 0.03 (25% below median its 10-year median of 0.04)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 85% below the Credit Services median (#435 of 515)
No single metric tells the full story. See the CSASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Saison Co Ltd is a Japan-based financial services company. The company operates its business through six segments. The Entertainment segment runs amusement parks. The Finance segment covers credit guarantees and related services. The Global segment engages in lending and investments. The Leasing segment focuses on office equipment. The Payment segment centers on credit cards and related services, and the Real Estate segment includes property development and leasing activities. It generates the majority of its revenue from the Payment business segment.
86GF Score
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