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What is People's Leasing & Financial Services Cash-to-Debt?
People's Leasing & Financial ServicesDHA:PLFSL -5.00%28 Cash-to-Debt is 0.22 as of Dec. 2025, which is 15% below its 10-year median of 0.26. GuruFocus rates DHA:PLFSL with a GF Score™ of 28/100. The stock has 3 warning signs investors should review. Among 512 Credit Services companies, People's Leasing & Financial Services ranks better than 52.93% 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. People's Leasing & Financial Services's cash to debt ratio for the quarter that ended in Dec. 2025 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, People's Leasing & Financial Servicescouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
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.
People's Leasing & Financial Services Cash-to-Debt Related Terms
People's Leasing & Financial Services 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.
For the Credit Services subindustry, People's Leasing & Financial Services'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.
People's Leasing & Financial Services Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, People's Leasing & Financial Services's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where People's Leasing & Financial Services'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.
People's Leasing & Financial Services (DHA:PLFSL) has a Cash-to-Debt of 0.22 as of Dec. 2025. This is 15% below median its historical median of 0.26. Over the past decade, People's Leasing & Financial Services' Cash-to-Debt has ranged from 0.08 to 0.44. According to the industry distribution chart, People's Leasing & Financial Services ranks #241 out of 512 companies in the Credit Services industry, placing it in the top 47.1%.
Is People's Leasing & Financial Services' Cash-to-Debt too high?
People's Leasing & Financial Services' current Cash-to-Debt of 0.22 is 15% below median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.44. The Credit Services industry median Cash-to-Debt is 0.20. People's Leasing & Financial Services' value of 0.22 is 10% above this industry median. Based on the distribution chart, People's Leasing & Financial Services ranks #241 out of 512 companies in the Credit Services industry, which is above the industry midpoint. Overall, People's Leasing & Financial Services has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does People's Leasing & Financial Services' Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, People's Leasing & Financial Services ranks #241 out of 512 companies for Cash-to-Debt. This puts People's Leasing & Financial Services in the upper half of its industry. The industry median Cash-to-Debt is 0.20. People's Leasing & Financial Services' value of 0.22 is 10% above this benchmark. Historically, People's Leasing & Financial Services' own Cash-to-Debt has ranged from 0.08 to 0.44 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.20, People's Leasing & Financial Services 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 512 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. People's Leasing & Financial Services'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. People's Leasing & Financial Services's current Cash-to-Debt is 0.22, which is 15% below median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is People's Leasing & Financial Services stock overvalued right now?
People's Leasing & Financial Services (DHA:PLFSL) has a current Cash-to-Debt of 0.22. The current Cash-to-Debt is 0.22, which is 15% below median its 10-year median of 0.26 and 10% above the Credit Services industry median of 0.20. People's Leasing & Financial Services' overall GF Score™ is 28/100 with 3 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 People's Leasing & Financial Services (DHA:PLFSL), the current Cash-to-Debt is 0.22 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.
People's Leasing & Financial Services Ltd extends lease finance for all types of machinery, equipment, and household durables, including vehicles for industrial, commercial, and personal purposes use in Bangladesh, and allows temporary finance to clients. Its Investment products are divided into the Corporate Division, Consumer Division, and SME Division.
28GF Score
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