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Mapfre MiddleseaMAL:MMS 26 Cash-to-Debt is 23.41 as of Dec. 2025, which is 73% below its 10-year median of 86.87. GuruFocus rates MAL:MMS with a GF Score™ of 26/100. The stock has 1 warning sign investors should review. Among 496 Insurance companies, Mapfre Middlesea ranks better than 72.98% 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. Mapfre Middlesea's cash to debt ratio for the quarter that ended in Dec. 2025 was 23.41.
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, Mapfre Middleseacould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Mapfre Middlesea's Cash-to-Debt or its related term are showing as below:
MAL:MMS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 23.41 Med: 86.87 Max: No Debt
Current: 23.41
During the past 13 years, Mapfre Middlesea's highest Cash to Debt Ratio was No Debt. The lowest was 23.41. And the median was 86.87.
MAL:MMS's Cash-to-Debt is ranked better than 72.98% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs MAL:MMS: 23.41
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.
Mapfre Middlesea Cash-to-Debt Related Terms
Mapfre Middlesea Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Mapfre Middlesea'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:MMS vs BRK.A, AIG, HIG: Cash-to-Debt Comparison
For the Insurance - Diversified subindustry, Mapfre Middlesea'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.
Mapfre Middlesea Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Mapfre Middlesea's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Mapfre Middlesea'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.
Mapfre Middlesea (MAL:MMS) has a Cash-to-Debt of 23.41 as of Dec. 2025. This is 73% below median its historical median of 86.87. Over the past decade, Mapfre Middlesea's Cash-to-Debt has ranged from 23.41 to 10,000.00. According to the industry distribution chart, Mapfre Middlesea ranks #134 out of 496 companies in the Insurance industry, placing it in the top 27%.
Is Mapfre Middlesea's Cash-to-Debt too high?
Mapfre Middlesea's current Cash-to-Debt of 23.41 is 73% below median its 10-year median of 86.87. Over the past 10 years, this metric has ranged from a low of 23.41 to a high of 10,000.00. The Insurance industry median Cash-to-Debt is 2.12. Mapfre Middlesea's value of 23.41 is 1006.9% above this industry median. Based on the distribution chart, Mapfre Middlesea ranks #134 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, Mapfre Middlesea has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Mapfre Middlesea's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mapfre Middlesea ranks #134 out of 496 companies for Cash-to-Debt. This puts Mapfre Middlesea in the upper half of its industry. The industry median Cash-to-Debt is 2.12. Mapfre Middlesea's value of 23.41 is 1006.9% above this benchmark. Historically, Mapfre Middlesea's own Cash-to-Debt has ranged from 23.41 to 10,000.00 over the past decade. While the company's 10-year median is 86.87 vs. the industry median of 2.12, Mapfre Middlesea 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 an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 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. Mapfre Middlesea's current Cash-to-Debt of 23.41 is 1006.9% 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 Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mapfre Middlesea's current Cash-to-Debt is 23.41, which is 73% below median its own 10-year median of 86.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mapfre Middlesea stock overvalued right now?
Mapfre Middlesea (MAL:MMS) has a current Cash-to-Debt of 23.41. The current Cash-to-Debt is 23.41, which is 73% below median its 10-year median of 86.87 and 1006.9% above the Insurance industry median of 2.12. Mapfre Middlesea's overall GF Score™ is 26/100 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 Mapfre Middlesea (MAL:MMS), the current Cash-to-Debt is 23.41 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.
Mapfre Middlesea PLC is an insurance company. The segments of the company are motor, Fire and other damage to property, Health, Other classes, and group life. The company provides services to individuals and businesses. The company generates the majority of its revenue from the Motor segment. The group operates only in Malta.
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