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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. Standard Chartered Bank (Pakistan)'s cash to debt ratio for the quarter that ended in Mar. 2026 was 21.54.
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, Standard Chartered Bank (Pakistan)could pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
Standard Chartered Bank (Pakistan) (KAR:SCBPL) 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.
Standard Chartered Bank (Pakistan) Cash-to-Debt Related Terms
Standard Chartered Bank (Pakistan) 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.
Standard Chartered Bank (Pakistan) Cash-to-Debt Chart
Standard Chartered Bank (Pakistan) Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'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.
Standard Chartered Bank (Pakistan) Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank (Pakistan)'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.
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Cash-to-Debt of 21.54 as of Mar. 2026. This is 39% above median its historical median of 15.46. Over the past decade, Standard Chartered Bank (Pakistan)'s Cash-to-Debt has ranged from 1.63 to 96.74. According to the industry distribution chart, Standard Chartered Bank (Pakistan) ranks #171 out of 1494 companies in the Banks industry, placing it in the top 11.4%.
Is Standard Chartered Bank (Pakistan)'s Cash-to-Debt too high?
Standard Chartered Bank (Pakistan)'s current Cash-to-Debt of 21.54 is 39% above median its 10-year median of 15.46. Over the past 10 years, this metric has ranged from a low of 1.63 to a high of 96.74. The Banks industry median Cash-to-Debt is 1.38. Standard Chartered Bank (Pakistan)'s value of 21.54 is 1460.9% above this industry median. Based on the distribution chart, Standard Chartered Bank (Pakistan) ranks #171 out of 1494 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank (Pakistan) ranks #171 out of 1494 companies for Cash-to-Debt. This places Standard Chartered Bank (Pakistan) in the top 11% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.38. Standard Chartered Bank (Pakistan)'s value of 21.54 is 1460.9% above this benchmark. Historically, Standard Chartered Bank (Pakistan)'s own Cash-to-Debt has ranged from 1.63 to 96.74 over the past decade. While the company's 10-year median is 15.46 vs. the industry median of 1.38, Standard Chartered Bank (Pakistan) 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 1.38, based on 1,494 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. Standard Chartered Bank (Pakistan)'s current Cash-to-Debt of 21.54 is 1460.9% 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 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank (Pakistan)'s current Cash-to-Debt is 21.54, which is 39% above median its own 10-year median of 15.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank (Pakistan) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) (KAR:SCBPL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨36.40, compared to a current price of ₨63.01 — trading 73.1% above its estimated fair value. The current Cash-to-Debt is 21.54, which is 39% above median its 10-year median of 15.46 and 1460.9% above the Banks industry median of 1.38. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 71/100 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Cash-to-Debt is 21.54 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 Standard Chartered Bank (Pakistan) (KAR:SCBPL) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) stock appears to be overvalued.
The current stock price of ₨63.01 is trading 73.1% above its estimated GF Value™ of ₨36.40.
GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.
Key valuation signals for KAR:SCBPL:
Cash-to-Debt: 21.54 (39% above median its 10-year median of 15.46)
GF Value™: ₨36.40 vs. price of ₨63.01 (73.1% above fair value)
Industry Position: 1460.9% above the Banks median (#171 of 1494)
No single metric tells the full story. See the KAR:SCBPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank (Pakistan) Ltd is a banking corporation based in Pakistan. It provides retail and corporate banking services to customers. The products and services provided by the bank include credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium-sized enterprises as well as trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. It also provides the complete suite of Islamic banking solutions under its Standard Chartered Saadiq brand. The company's revenue comprises of fees, commission and interest and dividend received from its products and services. The Bank operates only in Pakistan.
71GF Score
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