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Capricorn GroupNAM:CGP 72 Cash-to-Debt is 1.13 as of Dec. 2025, which is 57% above its 10-year median of 0.72. GuruFocus rates NAM:CGP with a GF Score™ of 72/100 and a GF Value™ of R24.74 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,492 Banks companies, Capricorn Group ranks worse than 54.16% 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. Capricorn Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 1.13.
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, Capricorn Groupcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Capricorn Group's Cash-to-Debt or its related term are showing as below:
NAM:CGP'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.42 Med: 0.72 Max: 1.44
Current: 1.14
During the past 12 years, Capricorn Group's highest Cash to Debt Ratio was 1.44. The lowest was 0.42. And the median was 0.72.
NAM:CGP's Cash-to-Debt is ranked worse than 54.16% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs NAM:CGP: 1.14
Capricorn Group (NAM:CGP) 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.
Capricorn Group Cash-to-Debt Related Terms
Capricorn Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Capricorn Group'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, Capricorn Group'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.
Capricorn Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Capricorn Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Capricorn Group'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.
Capricorn Group (NAM:CGP) has a Cash-to-Debt of 1.13 as of Dec. 2025. This is 57% above median its historical median of 0.72. Over the past decade, Capricorn Group's Cash-to-Debt has ranged from 0.42 to 1.44. According to the industry distribution chart, Capricorn Group ranks #808 out of 1492 companies in the Banks industry, placing it in the top 54.2%.
Is Capricorn Group's Cash-to-Debt too high?
Capricorn Group's current Cash-to-Debt of 1.13 is 57% above median its 10-year median of 0.72. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 1.44. The Banks industry median Cash-to-Debt is 1.37. Capricorn Group's value of 1.13 is 17.5% below this industry median. Based on the distribution chart, Capricorn Group ranks #808 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Capricorn Group has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Capricorn Group's Cash-to-Debt compare to USB and PNC?
According to the Banks industry distribution chart, Capricorn Group ranks #808 out of 1492 companies for Cash-to-Debt. This places Capricorn Group in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Capricorn Group's value of 1.13 is 17.5% below this benchmark. Historically, Capricorn Group's own Cash-to-Debt has ranged from 0.42 to 1.44 over the past decade. While the company's 10-year median is 0.72 vs. the industry median of 1.37, Capricorn Group 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 1.37, based on 1,492 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. Capricorn Group's current Cash-to-Debt of 1.13 is 17.5% 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capricorn Group's current Cash-to-Debt is 1.13, which is 57% above median its own 10-year median of 0.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capricorn Group stock overvalued right now?
Based on GuruFocus' analysis, Capricorn Group (NAM:CGP) is currently considered Modestly Overvalued. The stock's GF Value™ is R24.74, compared to a current price of R28.81 — trading 16.5% above its estimated fair value. The current Cash-to-Debt is 1.13, which is 57% above median its 10-year median of 0.72 and 17.5% below the Banks industry median of 1.37. Capricorn Group's overall GF Score™ is 72/100 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 Capricorn Group (NAM:CGP), the current Cash-to-Debt is 1.13 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.
Is Capricorn Group (NAM:CGP) Overvalued in 2026?
Based on GuruFocus' analysis, Capricorn Group stock appears to be overvalued.
The current stock price of R28.81 is trading 16.5% above its estimated GF Value™ of R24.74.
GuruFocus considers Capricorn Group to be Modestly Overvalued.
Key valuation signals for NAM:CGP:
Cash-to-Debt: 1.13 (57% above median its 10-year median of 0.72)
GF Value™: R24.74 vs. price of R28.81 (16.5% above fair value)
Industry Position: 17.5% below the Banks median (#808 of 1492)
No single metric tells the full story. See the NAM:CGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capricorn Group Ltd is a Namibia-based financial services group. It operates as an investment holding company with interests in banking, insurance, asset management, and microlending. The banking operation is the company's two operating segments, which include banking activities in Namibia and Botswana, as well as term lending and related activities in Namibia. Other components include property development, asset management, and unit trust management. The majority of the company's revenue comes from its banking operations in Namibia.
72GF Score
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