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LifeStar HoldingMAL:LSR 15 Cash-to-Debt is 0.68 as of Dec. 2025, which is 50% below its 10-year median of 1.37. GuruFocus rates MAL:LSR with a GF Score™ of 15/100. The stock has 2 warning signs investors should review. Among 493 Insurance companies, LifeStar Holding ranks worse than 70.59% 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. LifeStar Holding's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.68.
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 Holdingcouldn'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 Holding's Cash-to-Debt or its related term are showing as below:
MAL:LSR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.65 Med: 1.37 Max: 2.53
Current: 0.68
During the past 13 years, LifeStar Holding's highest Cash to Debt Ratio was 2.53. The lowest was 0.65. And the median was 1.37.
MAL:LSR's Cash-to-Debt is ranked worse than 70.59% of 493
companies
in the Insurance industry
Industry Median: 2.05
vs MAL:LSR: 0.68
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 Holding Cash-to-Debt Related Terms
LifeStar Holding Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for LifeStar Holding'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.
MAL:LSR vs MRSH, AON, AJG: Cash-to-Debt Comparison
For the Insurance Brokers subindustry, LifeStar Holding'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 Holding Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Holding's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where LifeStar Holding'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 Holding (MAL:LSR) has a Cash-to-Debt of 0.68 as of Dec. 2025. This is 50% below median its historical median of 1.37. Over the past decade, LifeStar Holding's Cash-to-Debt has ranged from 0.65 to 2.53. According to the industry distribution chart, LifeStar Holding ranks #348 out of 493 companies in the Insurance industry, placing it in the top 70.6%.
Is LifeStar Holding's Cash-to-Debt too high?
LifeStar Holding's current Cash-to-Debt of 0.68 is 50% below median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 2.53. The Insurance industry median Cash-to-Debt is 2.05. LifeStar Holding's value of 0.68 is 66.8% below this industry median. Based on the distribution chart, LifeStar Holding ranks #348 out of 493 companies in the Insurance industry, which is below the industry midpoint. Overall, LifeStar Holding has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Holding's Cash-to-Debt compare to MRSH and AON?
According to the Insurance industry distribution chart, LifeStar Holding ranks #348 out of 493 companies for Cash-to-Debt. This places LifeStar Holding in the lower half of its industry. The industry median Cash-to-Debt is 2.05. LifeStar Holding's value of 0.68 is 66.8% below this benchmark. Historically, LifeStar Holding's own Cash-to-Debt has ranged from 0.65 to 2.53 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 2.05, LifeStar Holding 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 2.05, based on 493 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 Holding's current Cash-to-Debt of 0.68 is 66.8% 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 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LifeStar Holding's current Cash-to-Debt is 0.68, which is 50% below median its own 10-year median of 1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Holding stock overvalued right now?
LifeStar Holding (MAL:LSR) has a current Cash-to-Debt of 0.68. The current Cash-to-Debt is 0.68, which is 50% below median its 10-year median of 1.37 and 66.8% below the Insurance industry median of 2.05. LifeStar Holding's overall GF Score™ is 15/100 with 2 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 Holding (MAL:LSR), the current Cash-to-Debt is 0.68 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 Holding PLC is a financial services company registered in Malta. The company operates in four segments namely Investment and advisory services, Business of insurance, Agency and brokerage Services, and Property Services. Geographically, the company operates in Malta.
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