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Standard Bank MalawiMSW:STANDARD 81 Cash-to-Debt is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates MSW:STANDARD with a GF Score™ of 81/100 and a GF Value™ of MWK2,488.18 (Significantly Overvalued). Among 1,490 Banks companies, Standard Bank Malawi ranks better than 93.22% 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. Standard Bank Malawi's cash to debt ratio for the quarter that ended in Jun. 2026 was No Debt (1).
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, Standard Bank Malawicould 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 Standard Bank Malawi's Cash-to-Debt or its related term are showing as below:
MSW:STANDARD'
s Cash-to-Debt Range Over the Past 10 Years
Min: 43.49 Med: No Debt Max: No Debt
Current: 177.9
During the past 8 years, Standard Bank Malawi's highest Cash to Debt Ratio was No Debt. The lowest was 43.49. And the median was No Debt.
MSW:STANDARD's Cash-to-Debt is ranked better than 93.22% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs MSW:STANDARD: 177.90
Standard Bank Malawi (MSW:STANDARD) 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.
Standard Bank Malawi Cash-to-Debt Related Terms
Standard Bank Malawi Cash-to-Debt Historical Data
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The historical data trend for Standard Bank Malawi'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, Standard Bank Malawi'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.
Standard Bank Malawi Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi's Cash-to-Debt falls into.
Standard Bank Malawi's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:
Standard Bank Malawi had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Standard Bank Malawi (MSW:STANDARD) has a Cash-to-Debt of No Debt (1) as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Standard Bank Malawi's Cash-to-Debt has ranged from 43.49 to 10,000.00. According to the industry distribution chart, Standard Bank Malawi ranks #101 out of 1490 companies in the Banks industry, placing it in the top 6.8%.
Is Standard Bank Malawi's Cash-to-Debt too high?
Standard Bank Malawi's current Cash-to-Debt of No Debt (1) 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 43.49 to a high of 10,000.00. Based on the distribution chart, Standard Bank Malawi ranks #101 out of 1490 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Malawi has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #101 out of 1490 companies for Cash-to-Debt. This places Standard Bank Malawi in the top 7% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Historically, Standard Bank Malawi's own Cash-to-Debt has ranged from 43.49 to 10,000.00 over the past decade. 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. 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. Standard Bank Malawi's current Cash-to-Debt is No Debt (1), 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 Standard Bank Malawi stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Malawi (MSW:STANDARD) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK2,488.18, compared to a current price of MWK3,989.89 — trading 60.4% above its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Standard Bank Malawi's overall GF Score™ is 81/100. 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 Standard Bank Malawi (MSW:STANDARD), the current Cash-to-Debt is No Debt (1) 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 Standard Bank Malawi (MSW:STANDARD) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Malawi stock appears to be overvalued.
The current stock price of MWK3,989.89 is trading 60.4% above its estimated GF Value™ of MWK2,488.18.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: MWK2,488.18 vs. price of MWK3,989.89 (60.4% above fair value)
No single metric tells the full story. See the MSW:STANDARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Malawi PLC provides banking services. Its business operations are divided into three segments Corporate and Investment Banking, Personal and Private Banking, Business and Commercial Banking, and Treasury and Capital Management. Services offered by the company include current accounts, savings, deposits, investment savings products, custody, debit cards, consumer loans, mortgages, internet banking, telephone banking, foreign exchange, commodities, debt securities, and equities trading, among others. Its branches are located across Malawi. The Bank offers its services to individual customers and small to medium-sized enterprises.
81GF Score
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