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PSG Financial ServicesNAM:KFS 81 Cash-to-Debt is 35.89 as of Feb. 2026, which is 1% above its 10-year median of 35.49. GuruFocus rates NAM:KFS with a GF Score™ of 81/100 and a GF Value™ of R21.16 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,436 Asset Management companies, PSG Financial Services ranks better than 57.8% 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. PSG Financial Services's cash to debt ratio for the quarter that ended in Feb. 2026 was 35.89.
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, PSG Financial Servicescould pay off its debt using the cash in hand for the quarter that ended in Feb. 2026.
The historical rank and industry rank for PSG Financial Services's Cash-to-Debt or its related term are showing as below:
NAM:KFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 6.5 Med: 35.49 Max: 129.31
Current: 35.89
During the past 13 years, PSG Financial Services's highest Cash to Debt Ratio was 129.31. The lowest was 6.50. And the median was 35.49.
NAM:KFS's Cash-to-Debt is ranked better than 57.8% of 1436
companies
in the Asset Management industry
Industry Median: 5.63
vs NAM:KFS: 35.89
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.
PSG Financial Services Cash-to-Debt Related Terms
PSG Financial Services Cash-to-Debt Historical Data
* 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 Asset Management subindustry, PSG Financial Services'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.
PSG Financial Services Cash-to-Debt vs Asset Management Industry
For the Asset Management industry and Financial Services sector, PSG Financial Services's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PSG Financial Services'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.
PSG Financial Services (NAM:KFS) has a Cash-to-Debt of 35.89 as of Feb. 2026. This is near median its historical median of 35.49. Over the past decade, PSG Financial Services' Cash-to-Debt has ranged from 6.50 to 129.31. According to the industry distribution chart, PSG Financial Services ranks #606 out of 1436 companies in the Asset Management industry, placing it in the top 42.2%.
Is PSG Financial Services' Cash-to-Debt too high?
PSG Financial Services' current Cash-to-Debt of 35.89 is near median its 10-year median of 35.49. Over the past 10 years, this metric has ranged from a low of 6.50 to a high of 129.31. The Asset Management industry median Cash-to-Debt is 5.63. PSG Financial Services' value of 35.89 is 537.5% above this industry median. Based on the distribution chart, PSG Financial Services ranks #606 out of 1436 companies in the Asset Management industry, which is above the industry midpoint. Overall, PSG Financial Services has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PSG Financial Services' Cash-to-Debt compare to BLK and BX?
According to the Asset Management industry distribution chart, PSG Financial Services ranks #606 out of 1436 companies for Cash-to-Debt. This puts PSG Financial Services in the upper half of its industry. The industry median Cash-to-Debt is 5.63. PSG Financial Services' value of 35.89 is 537.5% above this benchmark. Historically, PSG Financial Services' own Cash-to-Debt has ranged from 6.50 to 129.31 over the past decade. While the company's 10-year median is 35.49 vs. the industry median of 5.63, PSG Financial Services 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 Asset Management company?
The median Cash-to-Debt among Asset Management companies is 5.63, based on 1,436 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. PSG Financial Services's current Cash-to-Debt of 35.89 is 537.5% 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 Asset Management industry, the median Cash-to-Debt is 5.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSG Financial Services's current Cash-to-Debt is 35.89, which is near median its own 10-year median of 35.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSG Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PSG Financial Services (NAM:KFS) is currently considered Significantly Overvalued. The stock's GF Value™ is R21.16, compared to a current price of R32.73 — trading 54.7% above its estimated fair value. The current Cash-to-Debt is 35.89, which is near median its 10-year median of 35.49 and 537.5% above the Asset Management industry median of 5.63. PSG Financial Services' overall GF Score™ is 81/100 with 4 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 PSG Financial Services (NAM:KFS), the current Cash-to-Debt is 35.89 as of Feb. 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 PSG Financial Services (NAM:KFS) Overvalued in 2026?
Based on GuruFocus' analysis, PSG Financial Services stock appears to be overvalued.
The current stock price of R32.73 is trading 54.7% above its estimated GF Value™ of R21.16.
GuruFocus considers PSG Financial Services to be Significantly Overvalued.
Key valuation signals for NAM:KFS:
Cash-to-Debt: 35.89 (near median its 10-year median of 35.49)
GF Value™: R21.16 vs. price of R32.73 (54.7% above fair value)
Industry Position: 537.5% above the Asset Management median (#606 of 1436)
No single metric tells the full story. See the NAM:KFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PSG Financial Services Ltd is an independent financial services company. Business is executed through three operating divisions: PSG Wealth, PSG Asset Management, and PSG Insure. PSG Wealth provides the group with nearly half of its income, with PSG Insure outweighing PSG Asset Management. Through the Wealth unit, PSG delivers a comprehensive suite of products to individuals, families, and businesses. Some of the PSG Wealth offerings include investment products, stockbroking, estate and trust services, and many other related products. PSG is structured into three segments which are PSG Wealth, generating income from managed and platform assets; PSG Asset Management, deriving income from assets under management; PSG Insure, earning income from premiums and underwriting.
81GF Score
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