Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Close Brothers GroupFRA:CS3 +7.45%59 Cash-to-Debt is 0.65 as of Jan. 2026, which is 33% above its 10-year median of 0.49. GuruFocus rates FRA:CS3 with a GF Score™ of 59/100 and a GF Value™ of €4.33 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,486 Banks companies, Close Brothers Group ranks worse than 69.58% 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. Close Brothers Group's cash to debt ratio for the quarter that ended in Jan. 2026 was 0.65.
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, Close Brothers Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jan. 2026.
The historical rank and industry rank for Close Brothers Group's Cash-to-Debt or its related term are showing as below:
FRA:CS3'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.31 Med: 0.49 Max: 0.88
Current: 0.65
During the past 13 years, Close Brothers Group's highest Cash to Debt Ratio was 0.88. The lowest was 0.31. And the median was 0.49.
FRA:CS3's Cash-to-Debt is ranked worse than 69.58% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs FRA:CS3: 0.65
Close Brothers Group (FRA:CS3) 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.
Close Brothers Group Cash-to-Debt Related Terms
Close Brothers Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Close Brothers Group'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.
Close Brothers Group Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Close Brothers Group'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.
Close Brothers Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Close Brothers Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Close Brothers Group'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.
Close Brothers Group (FRA:CS3) has a Cash-to-Debt of 0.65 as of Jan. 2026. This is 33% above median its historical median of 0.49. Over the past decade, Close Brothers Group's Cash-to-Debt has ranged from 0.31 to 0.88. According to the industry distribution chart, Close Brothers Group ranks #1034 out of 1486 companies in the Banks industry, placing it in the top 69.6%.
Is Close Brothers Group's Cash-to-Debt too high?
Close Brothers Group's current Cash-to-Debt of 0.65 is 33% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.88. The Banks industry median Cash-to-Debt is 1.40. Close Brothers Group's value of 0.65 is 53.6% below this industry median. Based on the distribution chart, Close Brothers Group ranks #1034 out of 1486 companies in the Banks industry, which is below the industry midpoint. Overall, Close Brothers Group has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Close Brothers Group's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Close Brothers Group ranks #1034 out of 1486 companies for Cash-to-Debt. This places Close Brothers Group in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Close Brothers Group's value of 0.65 is 53.6% below this benchmark. Historically, Close Brothers Group's own Cash-to-Debt has ranged from 0.31 to 0.88 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 1.40, Close Brothers Group 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 Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 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. Close Brothers Group's current Cash-to-Debt of 0.65 is 53.6% 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 Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Close Brothers Group's current Cash-to-Debt is 0.65, which is 33% above median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Close Brothers Group stock overvalued right now?
Based on GuruFocus' analysis, Close Brothers Group (FRA:CS3) is currently considered Modestly Overvalued. The stock's GF Value™ is €4.33, compared to a current price of €5.05 — trading 16.6% above its estimated fair value. The current Cash-to-Debt is 0.65, which is 33% above median its 10-year median of 0.49 and 53.6% below the Banks industry median of 1.40. Close Brothers Group's overall GF Score™ is 59/100 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 Close Brothers Group (FRA:CS3), the current Cash-to-Debt is 0.65 as of Jan. 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 Close Brothers Group (FRA:CS3) Overvalued in 2026?
Based on GuruFocus' analysis, Close Brothers Group stock appears to be overvalued.
The current stock price of €5.05 is trading 16.6% above its estimated GF Value™ of €4.33.
GuruFocus considers Close Brothers Group to be Modestly Overvalued.
Key valuation signals for FRA:CS3:
Cash-to-Debt: 0.65 (33% above median its 10-year median of 0.49)
GF Value™: €4.33 vs. price of €5.05 (16.6% above fair value)
Industry Position: 53.6% below the Banks median (#1034 of 1486)
No single metric tells the full story. See the FRA:CS3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Close Brothers Group PLC is a banking group that provides lending, deposit-taking, and securities trading services. The group mostly offers services to small businesses and individuals in the United Kingdom. Its operating segments are: Commercial, Retail, and Property. Maximum revenue is generated from its Commercial segment, which mainly offers specialist and predominantly secured lending principally to the SME market. The Retail segment provides intermediated finance through motor dealers, motor finance brokers, and insurance brokers, and savings products for individuals and corporates; and the Property segment offers residential development finance to established UK property developers, funding for commercial properties, and bridging and refurbishment loans.
59GF Score
Get the complete analysis for FRA:CS3
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:CS3 has been successfully added to your 
