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Toll BrothersLTS:0LFS -1.98%94 Cash-to-Debt is 0.36 as of Jul. 2026, which is 44% above its 10-year median of 0.25. GuruFocus rates LTS:0LFS with a GF Score™ of 94/100 and a GF Value™ of $139.99 (Fairly Valued). The stock has 3 warning signs investors should review. Among 91 Homebuilding & Construction companies, Toll Brothers ranks worse than 50.55% 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. Toll Brothers's cash to debt ratio for the quarter that ended in Jul. 2026 was 0.36.
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, Toll Brotherscouldn't pay off its debt using the cash in hand for the quarter that ended in Jul. 2026.
The historical rank and industry rank for Toll Brothers's Cash-to-Debt or its related term are showing as below:
LTS:0LFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.25 Max: 0.45
Current: 0.36
During the past 13 years, Toll Brothers's highest Cash to Debt Ratio was 0.45. The lowest was 0.09. And the median was 0.25.
LTS:0LFS's Cash-to-Debt is ranked worse than 50.55% of 91
companies
in the Homebuilding & Construction industry
Industry Median: 0.36
vs LTS:0LFS: 0.36
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.
Toll Brothers Cash-to-Debt Related Terms
Toll Brothers Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Toll Brothers'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.
LTS:0LFS vs NVR, IBP, LEN: Cash-to-Debt Comparison
For the Residential Construction subindustry, Toll Brothers'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.
Toll Brothers Cash-to-Debt vs Homebuilding & Construction Industry
For the Homebuilding & Construction industry and Consumer Cyclical sector, Toll Brothers's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Toll Brothers'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.
Toll Brothers (LTS:0LFS) has a Cash-to-Debt of 0.36 as of Jul. 2026. This is 44% above median its historical median of 0.25. Over the past decade, Toll Brothers' Cash-to-Debt has ranged from 0.09 to 0.45. According to the industry distribution chart, Toll Brothers ranks #46 out of 91 companies in the Homebuilding & Construction industry, placing it in the top 50.5%.
Is Toll Brothers' Cash-to-Debt too high?
Toll Brothers' current Cash-to-Debt of 0.36 is 44% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.45. The Homebuilding & Construction industry median Cash-to-Debt is 0.36. Toll Brothers' value of 0.36 is 0% at this industry median. Based on the distribution chart, Toll Brothers ranks #46 out of 91 companies in the Homebuilding & Construction industry, which is below the industry midpoint. Overall, Toll Brothers has a GF Score™ of 94/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Toll Brothers' Cash-to-Debt compare to NVR and IBP?
According to the Homebuilding & Construction industry distribution chart, Toll Brothers ranks #46 out of 91 companies for Cash-to-Debt. This places Toll Brothers in the lower half of its industry. The industry median Cash-to-Debt is 0.36. Toll Brothers' value of 0.36 is 0% at this benchmark. Historically, Toll Brothers' own Cash-to-Debt has ranged from 0.09 to 0.45 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.36, Toll Brothers has consistently been at 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 Homebuilding & Construction company?
The median Cash-to-Debt among Homebuilding & Construction companies is 0.36, based on 91 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. Toll Brothers's current Cash-to-Debt of 0.36 is 0% at 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 Homebuilding & Construction industry, the median Cash-to-Debt is 0.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Toll Brothers's current Cash-to-Debt is 0.36, which is 44% above median its own 10-year median of 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Toll Brothers stock overvalued right now?
Based on GuruFocus' analysis, Toll Brothers (LTS:0LFS) is currently considered Fairly Valued. The stock's GF Value™ is $139.99, compared to a current price of $134.34 — trading 4% below its estimated fair value. The current Cash-to-Debt is 0.36, which is 44% above median its 10-year median of 0.25 and 0% at the Homebuilding & Construction industry median of 0.36. Toll Brothers' overall GF Score™ is 94/100 with 3 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 Toll Brothers (LTS:0LFS), the current Cash-to-Debt is 0.36 as of Jul. 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 Toll Brothers (LTS:0LFS) Overvalued in 2026?
Based on GuruFocus' analysis, Toll Brothers stock appears to be undervalued.
The current stock price of $134.34 is trading 4% below its estimated GF Value™ of $139.99.
GuruFocus considers Toll Brothers to be Fairly Valued.
Key valuation signals for LTS:0LFS:
Cash-to-Debt: 0.36 (44% above median its 10-year median of 0.25)
GF Value™: $139.99 vs. price of $134.34 (4% below fair value)
Industry Position: 0% at the Homebuilding & Construction median (#46 of 91)
No single metric tells the full story. See the LTS:0LFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Toll Brothers is the leading luxury homebuilder in the United States with an average sale price well above public competitors'. The company operates in over 60 markets across 24 states and caters to move-up, active-adult, and second-homebuyers. Toll Brothers consistently ranks as a top 10 builder within the US according to total home closings. Traditional homebuilding operations represent most of the company's revenue. Toll Brothers also builds luxury for-sale and for-rent properties in urban centers across the US It has its headquarters in Horsham, Pennsylvania.
94GF Score
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