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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. LifeStar Insurance's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.69.
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, LifeStar Insurancecouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for LifeStar Insurance's Cash-to-Debt or its related term are showing as below:
MAL:LSI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.69 Med: 2.51 Max: 1039.53
Current: 0.69
During the past 6 years, LifeStar Insurance's highest Cash to Debt Ratio was 1039.53. The lowest was 0.69. And the median was 2.51.
MAL:LSI's Cash-to-Debt is not ranked
in the Insurance industry.
Industry Median: 2.075
vs MAL:LSI: 0.69
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.
LifeStar Insurance Cash-to-Debt Related Terms
LifeStar Insurance Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for LifeStar Insurance'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.
For the Insurance - Life subindustry, LifeStar Insurance'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.
LifeStar Insurance Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Insurance's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where LifeStar Insurance'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.
LifeStar Insurance (MAL:LSI) has a Cash-to-Debt of 0.69 as of Dec. 2025. This is 73% below median its historical median of 2.51. Over the past decade, LifeStar Insurance's Cash-to-Debt has ranged from 0.69 to 1,039.53.
Is LifeStar Insurance's Cash-to-Debt too high?
LifeStar Insurance's current Cash-to-Debt of 0.69 is 73% below median its 10-year median of 2.51. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1,039.53. The Insurance industry median Cash-to-Debt is 2.08. LifeStar Insurance's value of 0.69 is 66.7% below this industry median. Overall, LifeStar Insurance has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Insurance's Cash-to-Debt compare to AFL and MET?
LifeStar Insurance's Cash-to-Debt of 0.69 can be compared against companies in the Insurance industry. The industry median Cash-to-Debt is 2.08. LifeStar Insurance's value of 0.69 is 66.7% below this benchmark. Historically, LifeStar Insurance's own Cash-to-Debt has ranged from 0.69 to 1,039.53 over the past decade. While the company's 10-year median is 2.51 vs. the industry median of 2.08, LifeStar Insurance 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 an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.08, based on 490 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. LifeStar Insurance's current Cash-to-Debt of 0.69 is 66.7% 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 Insurance industry, the median Cash-to-Debt is 2.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LifeStar Insurance's current Cash-to-Debt is 0.69, which is 73% below median its own 10-year median of 2.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Insurance stock overvalued right now?
LifeStar Insurance (MAL:LSI) has a current Cash-to-Debt of 0.69. The current Cash-to-Debt is 0.69, which is 73% below median its 10-year median of 2.51 and 66.7% below the Insurance industry median of 2.08. LifeStar Insurance's overall GF Score™ is 17/100 with 6 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 LifeStar Insurance (MAL:LSI), the current Cash-to-Debt is 0.69 as of Dec. 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.
LifeStar Insurance PLC is a provider of insurance products in Malta offering customers a comprehensive range of protection, savings and investment and retirement life insurance products. Its products are classified under Protection, Savings and Investment, Retirement, and Health products. The company has it's geographical concentration in Italy and Malta regions.
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