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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. Bank Handlowy w Warszawie's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.26.
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, Bank Handlowy w Warszawiecould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Bank Handlowy w Warszawie's Cash-to-Debt or its related term are showing as below:
LTS:0DOS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.26 Med: No Debt Max: No Debt
Current: 1.26
During the past 13 years, Bank Handlowy w Warszawie's highest Cash to Debt Ratio was No Debt. The lowest was 1.26. And the median was No Debt.
LTS:0DOS's Cash-to-Debt is ranked worse than 51.91% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs LTS:0DOS: 1.26
Bank Handlowy w Warszawie (LTS:0DOS) 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.
Bank Handlowy w Warszawie Cash-to-Debt Related Terms
Bank Handlowy w Warszawie 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, Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Bank Handlowy w Warszawie's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie (LTS:0DOS) has a Cash-to-Debt of 1.26 as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Bank Handlowy w Warszawie's Cash-to-Debt has ranged from 1.26 to 10,000.00. According to the industry distribution chart, Bank Handlowy w Warszawie ranks #773 out of 1489 companies in the Banks industry, placing it in the top 51.9%.
Is Bank Handlowy w Warszawie's Cash-to-Debt too high?
Bank Handlowy w Warszawie's current Cash-to-Debt of 1.26 is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 1.26 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.38. Bank Handlowy w Warszawie's value of 1.26 is 8.7% below this industry median. Based on the distribution chart, Bank Handlowy w Warszawie ranks #773 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Handlowy w Warszawie has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's Cash-to-Debt compare to USB?
According to the Banks industry distribution chart, Bank Handlowy w Warszawie ranks #773 out of 1489 companies for Cash-to-Debt. This places Bank Handlowy w Warszawie in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Bank Handlowy w Warszawie's value of 1.26 is 8.7% below this benchmark. Historically, Bank Handlowy w Warszawie's own Cash-to-Debt has ranged from 1.26 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 1.38, Bank Handlowy w Warszawie 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 1.38, 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. Bank Handlowy w Warszawie's current Cash-to-Debt of 1.26 is 8.7% 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 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Handlowy w Warszawie's current Cash-to-Debt is 1.26, which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Bank Handlowy w Warszawie (LTS:0DOS) has a current Cash-to-Debt of 1.26. The stock's GF Value™ is zł86.47, compared to a current price of zł102.60 — trading 18.7% above its estimated fair value. The current Cash-to-Debt is 1.26, which is 100% below median its 10-year median of 10,000.00 and 8.7% below the Banks industry median of 1.38. Bank Handlowy w Warszawie's overall GF Score™ is 73/100 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 Bank Handlowy w Warszawie (LTS:0DOS), the current Cash-to-Debt is 1.26 as of Jun. 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 Bank Handlowy w Warszawie (LTS:0DOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued.
The current stock price of zł102.60 is trading 18.7% above its estimated GF Value™ of zł86.47.
Key valuation signals for LTS:0DOS:
Cash-to-Debt: 1.26 (100% below median its 10-year median of 10,000.00)
GF Value™: zł86.47 vs. price of zł102.60 (18.7% above fair value)
Industry Position: 8.7% below the Banks median (#773 of 1489)
No single metric tells the full story. See the LTS:0DOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
73GF Score
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