Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PT Bank Central Asia TbkPBCRF 57 Cash-to-Debt is 43.75 as of Jun. 2026, which is 2% below its 10-year median of 44.77. GuruFocus rates PBCRF with a GF Score™ of 57/100 and a GF Value™ of $0.55 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,492 Banks companies, PT Bank Central Asia Tbk ranks better than 90.95% 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. PT Bank Central Asia Tbk's cash to debt ratio for the quarter that ended in Jun. 2026 was 43.75.
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, PT Bank Central Asia Tbkcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PT Bank Central Asia Tbk's Cash-to-Debt or its related term are showing as below:
PBCRF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 18.01 Med: 44.77 Max: 111.31
Current: 43.75
During the past 13 years, PT Bank Central Asia Tbk's highest Cash to Debt Ratio was 111.31. The lowest was 18.01. And the median was 44.77.
PBCRF's Cash-to-Debt is ranked better than 90.95% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs PBCRF: 43.75
PT Bank Central Asia Tbk (OTCPK:PBCRF) 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.
PT Bank Central Asia Tbk Cash-to-Debt Related Terms
PT Bank Central Asia Tbk 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.
PT Bank Central Asia Tbk Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, PT Bank Central Asia Tbk'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.
PT Bank Central Asia Tbk Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Central Asia Tbk's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PT Bank Central Asia Tbk'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.
PT Bank Central Asia Tbk (PBCRF) has a Cash-to-Debt of 43.75 as of Jun. 2026. This is near median its historical median of 44.77. Over the past decade, PT Bank Central Asia Tbk's Cash-to-Debt has ranged from 18.01 to 111.31. According to the industry distribution chart, PT Bank Central Asia Tbk ranks #135 out of 1492 companies in the Banks industry, placing it in the top 9%.
Is PT Bank Central Asia Tbk's Cash-to-Debt too high?
PT Bank Central Asia Tbk's current Cash-to-Debt of 43.75 is near median its 10-year median of 44.77. Over the past 10 years, this metric has ranged from a low of 18.01 to a high of 111.31. The Banks industry median Cash-to-Debt is 1.37. PT Bank Central Asia Tbk's value of 43.75 is 3093.4% above this industry median. Based on the distribution chart, PT Bank Central Asia Tbk ranks #135 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Central Asia Tbk has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Central Asia Tbk's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, PT Bank Central Asia Tbk ranks #135 out of 1492 companies for Cash-to-Debt. This places PT Bank Central Asia Tbk in the top 9% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. PT Bank Central Asia Tbk's value of 43.75 is 3093.4% above this benchmark. Historically, PT Bank Central Asia Tbk's own Cash-to-Debt has ranged from 18.01 to 111.31 over the past decade. While the company's 10-year median is 44.77 vs. the industry median of 1.37, PT Bank Central Asia Tbk 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 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. PT Bank Central Asia Tbk's current Cash-to-Debt of 43.75 is 3093.4% 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 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. PT Bank Central Asia Tbk's current Cash-to-Debt is 43.75, which is near median its own 10-year median of 44.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Central Asia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk (PBCRF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.55, compared to a current price of $0.38 — trading 31.1% below its estimated fair value. The current Cash-to-Debt is 43.75, which is near median its 10-year median of 44.77 and 3093.4% above the Banks industry median of 1.37. PT Bank Central Asia Tbk's overall GF Score™ is 57/100 with 3 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 PT Bank Central Asia Tbk (PBCRF), the current Cash-to-Debt is 43.75 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 PT Bank Central Asia Tbk (PBCRF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Central Asia Tbk stock appears to be undervalued.
The current stock price of $0.38 is trading 31.1% below its estimated GF Value™ of $0.55.
GuruFocus considers PT Bank Central Asia Tbk to be Significantly Undervalued.
Key valuation signals for PBCRF:
Cash-to-Debt: 43.75 (near median its 10-year median of 44.77)
GF Value™: $0.55 vs. price of $0.38 (31.1% below fair value)
Industry Position: 3093.4% above the Banks median (#135 of 1492)
No single metric tells the full story. See the PBCRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Central Asia Tbk is an Indonesia-based banking service provider operating as a Sharia bank. The bank provides various financial solutions to its customers through its inter-branch links, ATM network, and electronic banking services. It offers loans, deposit accounts, mutual fund investments, fixed income products, and credit facilities, among other banking products and services. Its segments are Loans, which derives maximum revenue, Treasury, and Others. The customer base mainly includes individuals, small and medium businesses, and corporations. Its business segment is classified into five geographic areas, which are Sumatera, Java, Kalimantan, East Indonesia, and overseas operations.
57GF Score
Get the complete analysis for PBCRF
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PBCRF has been successfully added to your 
