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OUTsurance GroupJSE:OUT +1.06%91 Cash-to-Debt is 5.83 as of Dec. 2025, which is at its 10-year median of 5.83. GuruFocus rates JSE:OUT with a GF Score™ of 91/100 and a GF Value™ of R69.27 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 496 Insurance companies, OUTsurance Group ranks better than 61.49% 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. OUTsurance Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 5.83.
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, OUTsurance Groupcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for OUTsurance Group's Cash-to-Debt or its related term are showing as below:
JSE:OUT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 5.83 Max: 42.86
Current: 5.83
During the past 13 years, OUTsurance Group's highest Cash to Debt Ratio was 42.86. The lowest was 0.20. And the median was 5.83.
JSE:OUT's Cash-to-Debt is ranked better than 61.49% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs JSE:OUT: 5.83
OUTsurance Group (JSE:OUT) 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.
OUTsurance Group Cash-to-Debt Related Terms
OUTsurance Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for OUTsurance 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.
JSE:OUT vs BRK.A, AIG, HIG: Cash-to-Debt Comparison
For the Insurance - Diversified subindustry, OUTsurance 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.
OUTsurance Group Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where OUTsurance 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.
OUTsurance Group (JSE:OUT) has a Cash-to-Debt of 5.83 as of Dec. 2025. This is near median its historical median of 5.83. Over the past decade, OUTsurance Group's Cash-to-Debt has ranged from 0.20 to 42.86. According to the industry distribution chart, OUTsurance Group ranks #191 out of 496 companies in the Insurance industry, placing it in the top 38.5%.
Is OUTsurance Group's Cash-to-Debt too high?
OUTsurance Group's current Cash-to-Debt of 5.83 is near median its 10-year median of 5.83. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 42.86. The Insurance industry median Cash-to-Debt is 2.12. OUTsurance Group's value of 5.83 is 175.7% above this industry median. Based on the distribution chart, OUTsurance Group ranks #191 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, OUTsurance Group has a GF Score™ of 91/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #191 out of 496 companies for Cash-to-Debt. This puts OUTsurance Group in the upper half of its industry. The industry median Cash-to-Debt is 2.12. OUTsurance Group's value of 5.83 is 175.7% above this benchmark. Historically, OUTsurance Group's own Cash-to-Debt has ranged from 0.20 to 42.86 over the past decade. While the company's 10-year median is 5.83 vs. the industry median of 2.12, OUTsurance Group 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 2.12, based on 496 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. OUTsurance Group's current Cash-to-Debt of 5.83 is 175.7% 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 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OUTsurance Group's current Cash-to-Debt is 5.83, which is near median its own 10-year median of 5.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Modestly Overvalued. The stock's GF Value™ is R69.27, compared to a current price of R84.03 — trading 21.3% above its estimated fair value. The current Cash-to-Debt is 5.83, which is near median its 10-year median of 5.83 and 175.7% above the Insurance industry median of 2.12. OUTsurance Group's overall GF Score™ is 91/100 with 5 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 OUTsurance Group (JSE:OUT), the current Cash-to-Debt is 5.83 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R84.03 is trading 21.3% above its estimated GF Value™ of R69.27.
GuruFocus considers OUTsurance Group to be Modestly Overvalued.
Key valuation signals for JSE:OUT:
Cash-to-Debt: 5.83 (near median its 10-year median of 5.83)
GF Value™: R69.27 vs. price of R84.03 (21.3% above fair value)
Industry Position: 175.7% above the Insurance median (#191 of 496)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
91GF Score
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