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Laurentian Bank of CanadaLRCDF +0.57%51 Cash-to-Debt is 0.09 as of Apr. 2026, which is 29% above its 10-year median of 0.07. GuruFocus rates LRCDF with a GF Score™ of 51/100 and a GF Value™ of $19.21 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,486 Banks companies, Laurentian Bank of Canada ranks worse than 93.74% 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. Laurentian Bank of Canada's cash to debt ratio for the quarter that ended in Apr. 2026 was 0.09.
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, Laurentian Bank of Canadacouldn't pay off its debt using the cash in hand for the quarter that ended in Apr. 2026.
The historical rank and industry rank for Laurentian Bank of Canada's Cash-to-Debt or its related term are showing as below:
LRCDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.07 Max: 0.14
Current: 0.09
During the past 13 years, Laurentian Bank of Canada's highest Cash to Debt Ratio was 0.14. The lowest was 0.03. And the median was 0.07.
LRCDF's Cash-to-Debt is ranked worse than 93.74% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs LRCDF: 0.09
Laurentian Bank of Canada (OTCPK:LRCDF) 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.
Laurentian Bank of Canada Cash-to-Debt Related Terms
Laurentian Bank of Canada 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 Banks - Regional subindustry, Laurentian Bank of Canada'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.
Laurentian Bank of Canada Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Laurentian Bank of Canada's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Laurentian Bank of Canada'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.
Laurentian Bank of Canada (LRCDF) has a Cash-to-Debt of 0.09 as of Apr. 2026. This is 29% above median its historical median of 0.07. Over the past decade, Laurentian Bank of Canada's Cash-to-Debt has ranged from 0.03 to 0.14. According to the industry distribution chart, Laurentian Bank of Canada ranks #1393 out of 1486 companies in the Banks industry, placing it in the top 93.7%.
Is Laurentian Bank of Canada's Cash-to-Debt too high?
Laurentian Bank of Canada's current Cash-to-Debt of 0.09 is 29% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.14. The Banks industry median Cash-to-Debt is 1.40. Laurentian Bank of Canada's value of 0.09 is 93.6% below this industry median. Based on the distribution chart, Laurentian Bank of Canada ranks #1393 out of 1486 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Laurentian Bank of Canada has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Laurentian Bank of Canada's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Laurentian Bank of Canada ranks #1393 out of 1486 companies for Cash-to-Debt. This places Laurentian Bank of Canada in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Laurentian Bank of Canada's value of 0.09 is 93.6% below this benchmark. Historically, Laurentian Bank of Canada's own Cash-to-Debt has ranged from 0.03 to 0.14 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 1.40, Laurentian Bank of Canada 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. Laurentian Bank of Canada's current Cash-to-Debt of 0.09 is 93.6% 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. Laurentian Bank of Canada's current Cash-to-Debt is 0.09, which is 29% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Laurentian Bank of Canada stock overvalued right now?
Based on GuruFocus' analysis, Laurentian Bank of Canada (LRCDF) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.21, compared to a current price of $28.88 — trading 50.4% above its estimated fair value. The current Cash-to-Debt is 0.09, which is 29% above median its 10-year median of 0.07 and 93.6% below the Banks industry median of 1.40. Laurentian Bank of Canada's overall GF Score™ is 51/100 with 9 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 Laurentian Bank of Canada (LRCDF), the current Cash-to-Debt is 0.09 as of Apr. 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 Laurentian Bank of Canada (LRCDF) Overvalued in 2026?
Based on GuruFocus' analysis, Laurentian Bank of Canada stock appears to be overvalued.
The current stock price of $28.88 is trading 50.4% above its estimated GF Value™ of $19.21.
GuruFocus considers Laurentian Bank of Canada to be Significantly Overvalued.
Key valuation signals for LRCDF:
Cash-to-Debt: 0.09 (29% above median its 10-year median of 0.07)
GF Value™: $19.21 vs. price of $28.88 (50.4% above fair value)
Industry Position: 93.6% below the Banks median (#1393 of 1486)
No single metric tells the full story. See the LRCDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Laurentian Bank of Canada provides personal banking, business banking, and real estate and commercial financing services to its personal, business, and institutional customers across Canada and the United States. The company operates through two segments: the Personal and Commercial Banking segment, which offers a broad range of financial services and advice-based solutions for personal and commercial banking customers in Canada and the United States; and the Capital Markets segment, which provides services including research, market analysis, advisory services, corporate underwriting for debt and equity, and administrative support. The company operates in Canada and the United States, with the majority of its revenue generated from Canada.
51GF Score
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