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Jahangir SiddiquiKAR:JSCL +4.04%73 Cash-to-Debt is 2.87 as of Mar. 2026, which is 23% above its 10-year median of 2.33. GuruFocus rates KAR:JSCL with a GF Score™ of 73/100 and a GF Value™ of ₨19.51 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,489 Banks companies, Jahangir Siddiqui ranks better than 66.62% 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. Jahangir Siddiqui's cash to debt ratio for the quarter that ended in Mar. 2026 was 2.87.
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, Jahangir Siddiquicould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Jahangir Siddiqui's Cash-to-Debt or its related term are showing as below:
KAR:JSCL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.46 Med: 2.33 Max: 7.99
Current: 2.87
During the past 13 years, Jahangir Siddiqui's highest Cash to Debt Ratio was 7.99. The lowest was 0.46. And the median was 2.33.
KAR:JSCL's Cash-to-Debt is ranked better than 66.62% of 1489
companies
in the Banks industry
Industry Median: 1.45
vs KAR:JSCL: 2.87
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.
Jahangir Siddiqui Cash-to-Debt Related Terms
Jahangir Siddiqui Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Jahangir Siddiqui'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 Banks - Regional subindustry, Jahangir Siddiqui'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.
Jahangir Siddiqui Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Jahangir Siddiqui's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Jahangir Siddiqui'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.
Jahangir Siddiqui (KAR:JSCL) has a Cash-to-Debt of 2.87 as of Mar. 2026. This is 23% above median its historical median of 2.33. Over the past decade, Jahangir Siddiqui's Cash-to-Debt has ranged from 0.46 to 7.99. According to the industry distribution chart, Jahangir Siddiqui ranks #497 out of 1489 companies in the Banks industry, placing it in the top 33.4%.
Is Jahangir Siddiqui's Cash-to-Debt too high?
Jahangir Siddiqui's current Cash-to-Debt of 2.87 is 23% above median its 10-year median of 2.33. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 7.99. The Banks industry median Cash-to-Debt is 1.45. Jahangir Siddiqui's value of 2.87 is 97.9% above this industry median. Based on the distribution chart, Jahangir Siddiqui ranks #497 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Jahangir Siddiqui has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jahangir Siddiqui's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Jahangir Siddiqui ranks #497 out of 1489 companies for Cash-to-Debt. This puts Jahangir Siddiqui in the upper half of its industry. The industry median Cash-to-Debt is 1.45. Jahangir Siddiqui's value of 2.87 is 97.9% above this benchmark. Historically, Jahangir Siddiqui's own Cash-to-Debt has ranged from 0.46 to 7.99 over the past decade. While the company's 10-year median is 2.33 vs. the industry median of 1.45, Jahangir Siddiqui 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 Banks company?
The median Cash-to-Debt among Banks companies is 1.45, based on 1,489 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. Jahangir Siddiqui's current Cash-to-Debt of 2.87 is 97.9% 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 Banks industry, the median Cash-to-Debt is 1.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jahangir Siddiqui's current Cash-to-Debt is 2.87, which is 23% above median its own 10-year median of 2.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jahangir Siddiqui stock overvalued right now?
Based on GuruFocus' analysis, Jahangir Siddiqui (KAR:JSCL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨19.51, compared to a current price of ₨24.97 — trading 28% above its estimated fair value. The current Cash-to-Debt is 2.87, which is 23% above median its 10-year median of 2.33 and 97.9% above the Banks industry median of 1.45. Jahangir Siddiqui's overall GF Score™ is 73/100 with 4 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 Jahangir Siddiqui (KAR:JSCL), the current Cash-to-Debt is 2.87 as of Mar. 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 Jahangir Siddiqui (KAR:JSCL) Overvalued in 2026?
Based on GuruFocus' analysis, Jahangir Siddiqui stock appears to be overvalued.
The current stock price of ₨24.97 is trading 28% above its estimated GF Value™ of ₨19.51.
GuruFocus considers Jahangir Siddiqui to be Modestly Overvalued.
Key valuation signals for KAR:JSCL:
Cash-to-Debt: 2.87 (23% above median its 10-year median of 2.33)
GF Value™: ₨19.51 vs. price of ₨24.97 (28% above fair value)
Industry Position: 97.9% above the Banks median (#497 of 1489)
No single metric tells the full story. See the KAR:JSCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jahangir Siddiqui & Co Ltd offers banking services. The company operates through a various business segment that is Capital Market and Brokerage, which is engaged in trading equity securities, maintaining strategic and trading portfolios and earning share brokerage and money market, forex and commodity brokerage; Banking, which provides investment and commercial banking; Investment Advisor/assets manager, which provides investment advisory and asset management services to different mutual funds and unit trusts; Energy Infrastructure and petroleum segment engaged into investment in the oil marketing sector and storage of petroleum, Liquified Petroleum gas and allied products; and Others. The Banking segment generates maximum revenue for the company.
73GF Score
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