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Lifestore Financial GroupLSFG 63 Cash-to-Debt is 9.06 as of Jun. 2025, which is 213% above its 10-year median of 2.89. GuruFocus rates LSFG with a GF Score™ of 63/100 and a GF Value™ of $51.22 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,489 Banks companies, Lifestore Financial Group ranks better than 83.95% 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. Lifestore Financial Group's cash to debt ratio for the quarter that ended in Jun. 2025 was 9.06.
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, Lifestore Financial Groupcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2025.
The historical rank and industry rank for Lifestore Financial Group's Cash-to-Debt or its related term are showing as below:
LSFG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.49 Med: 2.89 Max: 11.53
Current: 9.06
During the past 13 years, Lifestore Financial Group's highest Cash to Debt Ratio was 11.53. The lowest was 0.49. And the median was 2.89.
LSFG's Cash-to-Debt is ranked better than 83.95% of 1489
companies
in the Banks industry
Industry Median: 1.4
vs LSFG: 9.06
Lifestore Financial Group (OTCPK:LSFG) 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.
Lifestore Financial Group Cash-to-Debt Related Terms
Lifestore Financial Group 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, Lifestore Financial 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.
Lifestore Financial Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Lifestore Financial 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.
Lifestore Financial Group (LSFG) has a Cash-to-Debt of 9.06 as of Jun. 2025. This is 213% above median its historical median of 2.89. Over the past decade, Lifestore Financial Group's Cash-to-Debt has ranged from 0.49 to 11.53. According to the industry distribution chart, Lifestore Financial Group ranks #239 out of 1489 companies in the Banks industry, placing it in the top 16.1%.
Is Lifestore Financial Group's Cash-to-Debt too high?
Lifestore Financial Group's current Cash-to-Debt of 9.06 is 213% above median its 10-year median of 2.89. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 11.53. The Banks industry median Cash-to-Debt is 1.40. Lifestore Financial Group's value of 9.06 is 547.1% above this industry median. Based on the distribution chart, Lifestore Financial Group ranks #239 out of 1489 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Lifestore Financial Group has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lifestore Financial Group's Cash-to-Debt compare to CBAF and BAOB?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #239 out of 1489 companies for Cash-to-Debt. This places Lifestore Financial Group in the top 16% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Lifestore Financial Group's value of 9.06 is 547.1% above this benchmark. Historically, Lifestore Financial Group's own Cash-to-Debt has ranged from 0.49 to 11.53 over the past decade. While the company's 10-year median is 2.89 vs. the industry median of 1.40, Lifestore Financial 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 a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, 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. Lifestore Financial Group's current Cash-to-Debt of 9.06 is 547.1% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current Cash-to-Debt is 9.06, which is 213% above median its own 10-year median of 2.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lifestore Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Lifestore Financial Group (LSFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $51.22, compared to a current price of $59.90 — trading 16.9% above its estimated fair value. The current Cash-to-Debt is 9.06, which is 213% above median its 10-year median of 2.89 and 547.1% above the Banks industry median of 1.40. Lifestore Financial Group's overall GF Score™ is 63/100 with 1 warning sign 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 Lifestore Financial Group (LSFG), the current Cash-to-Debt is 9.06 as of Jun. 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 Lifestore Financial Group (LSFG) Overvalued in 2026?
Based on GuruFocus' analysis, Lifestore Financial Group stock appears to be overvalued.
The current stock price of $59.90 is trading 16.9% above its estimated GF Value™ of $51.22.
GuruFocus considers Lifestore Financial Group to be Modestly Overvalued.
Key valuation signals for LSFG:
Cash-to-Debt: 9.06 (213% above median its 10-year median of 2.89)
GF Value™: $51.22 vs. price of $59.90 (16.9% above fair value)
Industry Position: 547.1% above the Banks median (#239 of 1489)
No single metric tells the full story. See the LSFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lifestore Financial Group Inc through its subsidiaries, is engaged in providing banking and insurance services. The company offers full-service banking services designed to meet the needs of retail and commercial customers. It also acts as an independent insurance agency offering traditional property and casualty, life, and health insurance products. It operates in two business segments; Banking and Insurance.
63GF Score
Get the complete analysis for LSFG
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