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Banca Profilo SpAMIL:PRO +2.09%53 Cash-to-Debt is 0.28 as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates MIL:PRO with a GF Score™ of 53/100 and a GF Value™ of €1.36 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, Banca Profilo SpA ranks worse than 85.37% 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. Banca Profilo SpA's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.28.
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, Banca Profilo SpAcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
(1) 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.
The historical rank and industry rank for Banca Profilo SpA's Cash-to-Debt or its related term are showing as below:
MIL:PRO'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17 Med: No Debt Max: No Debt
Current: 0.28
During the past 13 years, Banca Profilo SpA's highest Cash to Debt Ratio was No Debt. The lowest was 0.17. And the median was No Debt.
MIL:PRO's Cash-to-Debt is ranked worse than 85.37% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs MIL:PRO: 0.28
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.
Banca Profilo SpA Cash-to-Debt Related Terms
Banca Profilo SpA Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Banca Profilo SpA'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 Banks - Regional subindustry, Banca Profilo SpA'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.
Banca Profilo SpA Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Banca Profilo SpA's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Banca Profilo SpA'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.
Banca Profilo SpA (MIL:PRO) has a Cash-to-Debt of 0.28 as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Banca Profilo SpA's Cash-to-Debt has ranged from 0.17 to 10,000.00. According to the industry distribution chart, Banca Profilo SpA ranks #1272 out of 1490 companies in the Banks industry, placing it in the top 85.4%.
Is Banca Profilo SpA's Cash-to-Debt too high?
Banca Profilo SpA's current Cash-to-Debt of 0.28 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 0.17 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.40. Banca Profilo SpA's value of 0.28 is 80% below this industry median. Based on the distribution chart, Banca Profilo SpA ranks #1272 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Profilo SpA has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Profilo SpA's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Banca Profilo SpA ranks #1272 out of 1490 companies for Cash-to-Debt. This places Banca Profilo SpA in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Banca Profilo SpA's value of 0.28 is 80% below this benchmark. Historically, Banca Profilo SpA's own Cash-to-Debt has ranged from 0.17 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 1.40, Banca Profilo SpA 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 1.40, based on 1,490 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. Banca Profilo SpA's current Cash-to-Debt of 0.28 is 80% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Profilo SpA's current Cash-to-Debt is 0.28, 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 Banca Profilo SpA stock overvalued right now?
Based on GuruFocus' analysis, Banca Profilo SpA (MIL:PRO) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.36, compared to a current price of €1.73 — trading 27% above its estimated fair value. The current Cash-to-Debt is 0.28, which is 100% below median its 10-year median of 10,000.00 and 80% below the Banks industry median of 1.40. Banca Profilo SpA's overall GF Score™ is 53/100 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 Banca Profilo SpA (MIL:PRO), the current Cash-to-Debt is 0.28 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 Banca Profilo SpA (MIL:PRO) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Profilo SpA stock appears to be overvalued.
The current stock price of €1.73 is trading 27% above its estimated GF Value™ of €1.36.
GuruFocus considers Banca Profilo SpA to be Modestly Overvalued.
Key valuation signals for MIL:PRO:
Cash-to-Debt: 0.28 (100% below median its 10-year median of 10,000.00)
GF Value™: €1.36 vs. price of €1.73 (27% above fair value)
Industry Position: 80% below the Banks median (#1272 of 1490)
No single metric tells the full story. See the MIL:PRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Profilo SpA provides services for managing the assets of private and institutional clients and to the financial needs of companies. The company's operating segments include Private Banking and Investment banking; Finance; Digital channels; Activities Abroad and Corporate Centre. It generates maximum revenue from the Finance segment. The Finance segment relates to the management and development of trading activities on their own account and on behalf of third parties in financial instruments and services related to their issue and placement.
53GF Score
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