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Mitsubishi HC CapitalMIUFF 73 Cash-to-Debt is 0.04 as of Mar. 2026, which is 20% below its 10-year median of 0.05. GuruFocus rates MIUFF with a GF Score™ of 73/100 and a GF Value™ of $6.25. The stock has 5 warning signs investors should review. Among 513 Credit Services companies, Mitsubishi HC Capital ranks worse than 80.9% 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. Mitsubishi HC Capital's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.04.
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, Mitsubishi HC Capitalcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Mitsubishi HC Capital's Cash-to-Debt or its related term are showing as below:
MIUFF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.05 Max: 0.1
Current: 0.04
During the past 13 years, Mitsubishi HC Capital's highest Cash to Debt Ratio was 0.10. The lowest was 0.03. And the median was 0.05.
MIUFF's Cash-to-Debt is ranked worse than 80.9% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs MIUFF: 0.04
Mitsubishi HC Capital (OTCPK:MIUFF) Cash-to-Debt Explanation
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.
Mitsubishi HC Capital Cash-to-Debt Related Terms
Mitsubishi HC Capital Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital'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 Credit Services subindustry, Mitsubishi HC Capital'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.
Mitsubishi HC Capital Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital'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.
Mitsubishi HC Capital (MIUFF) has a Cash-to-Debt of 0.04 as of Mar. 2026. This is 20% below median its historical median of 0.05. Over the past decade, Mitsubishi HC Capital's Cash-to-Debt has ranged from 0.03 to 0.10. According to the industry distribution chart, Mitsubishi HC Capital ranks #415 out of 513 companies in the Credit Services industry, placing it in the top 80.9%.
Is Mitsubishi HC Capital's Cash-to-Debt too high?
Mitsubishi HC Capital's current Cash-to-Debt of 0.04 is 20% below median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.10. The Credit Services industry median Cash-to-Debt is 0.20. Mitsubishi HC Capital's value of 0.04 is 80% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #415 out of 513 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Mitsubishi HC Capital has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #415 out of 513 companies for Cash-to-Debt. This places Mitsubishi HC Capital in the lower half of its industry. The industry median Cash-to-Debt is 0.20. Mitsubishi HC Capital's value of 0.04 is 80% below this benchmark. Historically, Mitsubishi HC Capital's own Cash-to-Debt has ranged from 0.03 to 0.10 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.20, Mitsubishi HC Capital 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 Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 513 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. Mitsubishi HC Capital's current Cash-to-Debt of 0.04 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 Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current Cash-to-Debt is 0.04, which is 20% below median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current Cash-to-Debt of 0.04. The stock's GF Value™ is $6.25, compared to a current price of $7.50 — trading 20% above its estimated fair value. The current Cash-to-Debt is 0.04, which is 20% below median its 10-year median of 0.05 and 80% below the Credit Services industry median of 0.20. Mitsubishi HC Capital's overall GF Score™ is 73/100 with 5 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 Mitsubishi HC Capital (MIUFF), the current Cash-to-Debt is 0.04 as of Mar. 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 20% above its estimated GF Value™ of $6.25.
Key valuation signals for MIUFF:
Cash-to-Debt: 0.04 (20% below median its 10-year median of 0.05)
GF Value™: $6.25 vs. price of $7.50 (20% above fair value)
Industry Position: 80% below the Credit Services median (#415 of 513)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
73GF Score
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