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Bay Leasing & InvestmentDHA:BAYLEASING +2.13%20 Cash-to-Debt is 0.06 as of Jun. 2026, which is 65% below its 10-year median of 0.17. GuruFocus rates DHA:BAYLEASING with a GF Score™ of 20/100. The stock has 2 warning signs investors should review. Among 513 Credit Services companies, Bay Leasing & Investment ranks worse than 70.57% 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. Bay Leasing & Investment's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.06.
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, Bay Leasing & Investmentcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Bay Leasing & Investment's Cash-to-Debt or its related term are showing as below:
DHA:BAYLEASING'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.17 Max: 0.27
Current: 0.06
During the past 13 years, Bay Leasing & Investment's highest Cash to Debt Ratio was 0.27. The lowest was 0.04. And the median was 0.17.
DHA:BAYLEASING's Cash-to-Debt is ranked worse than 70.57% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs DHA:BAYLEASING: 0.06
Bay Leasing & Investment (DHA:BAYLEASING) 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.
Bay Leasing & Investment Cash-to-Debt Related Terms
Bay Leasing & Investment 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.
DHA:BAYLEASING vs V, MA, AXP: Cash-to-Debt Comparison
For the Credit Services subindustry, Bay Leasing & Investment'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.
Bay Leasing & Investment Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bay Leasing & Investment's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Bay Leasing & Investment'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.
Bay Leasing & Investment (DHA:BAYLEASING) has a Cash-to-Debt of 0.06 as of Jun. 2026. This is 65% below median its historical median of 0.17. Over the past decade, Bay Leasing & Investment's Cash-to-Debt has ranged from 0.04 to 0.27. According to the industry distribution chart, Bay Leasing & Investment ranks #362 out of 513 companies in the Credit Services industry, placing it in the top 70.6%.
Is Bay Leasing & Investment's Cash-to-Debt too high?
Bay Leasing & Investment's current Cash-to-Debt of 0.06 is 65% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.27. The Credit Services industry median Cash-to-Debt is 0.20. Bay Leasing & Investment's value of 0.06 is 70% below this industry median. Based on the distribution chart, Bay Leasing & Investment ranks #362 out of 513 companies in the Credit Services industry, which is below the industry midpoint. Overall, Bay Leasing & Investment has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does Bay Leasing & Investment's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Bay Leasing & Investment ranks #362 out of 513 companies for Cash-to-Debt. This places Bay Leasing & Investment in the lower half of its industry. The industry median Cash-to-Debt is 0.20. Bay Leasing & Investment's value of 0.06 is 70% below this benchmark. Historically, Bay Leasing & Investment's own Cash-to-Debt has ranged from 0.04 to 0.27 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.20, Bay Leasing & Investment 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 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. Bay Leasing & Investment's current Cash-to-Debt of 0.06 is 70% 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. Bay Leasing & Investment's current Cash-to-Debt is 0.06, which is 65% below median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bay Leasing & Investment stock overvalued right now?
Bay Leasing & Investment (DHA:BAYLEASING) has a current Cash-to-Debt of 0.06. The current Cash-to-Debt is 0.06, which is 65% below median its 10-year median of 0.17 and 70% below the Credit Services industry median of 0.20. Bay Leasing & Investment's overall GF Score™ is 20/100 with 2 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 Bay Leasing & Investment (DHA:BAYLEASING), the current Cash-to-Debt is 0.06 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.
Bay Leasing & Investment Ltd is engaged in lease financing for all types of machinery and equipment including vehicles for industrial, commercial and private purposes. The company is also engaged in term finance, housing finance among others. The company's products and services include Lease finance, Term loan, Home loan, SME loan, and Other.
20GF Score
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