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Public Bank BhdPBLOF 71 Cash-to-Debt is 1.47 as of Mar. 2026, which is 17% below its 10-year median of 1.77. GuruFocus rates PBLOF with a GF Score™ of 71/100 and a GF Value™ of $0.88. The stock has 3 warning signs investors should review. Among 1,489 Banks companies, Public Bank Bhd ranks better than 51.51% 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. Public Bank Bhd's cash to debt ratio for the quarter that ended in Mar. 2026 was 1.47.
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, Public Bank Bhdcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Public Bank Bhd's Cash-to-Debt or its related term are showing as below:
PBLOF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.39 Med: 1.77 Max: 2.28
Current: 1.47
During the past 13 years, Public Bank Bhd's highest Cash to Debt Ratio was 2.28. The lowest was 1.39. And the median was 1.77.
PBLOF's Cash-to-Debt is ranked better than 51.51% of 1489
companies
in the Banks industry
Industry Median: 1.4
vs PBLOF: 1.47
Public Bank Bhd (OTCPK:PBLOF) 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.
Public Bank Bhd Cash-to-Debt Related Terms
Public Bank Bhd Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Public Bank Bhd'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.
Public Bank Bhd Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Public Bank Bhd'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.
Public Bank Bhd Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd'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.
Public Bank Bhd (PBLOF) has a Cash-to-Debt of 1.47 as of Mar. 2026. This is 17% below median its historical median of 1.77. Over the past decade, Public Bank Bhd's Cash-to-Debt has ranged from 1.39 to 2.28. According to the industry distribution chart, Public Bank Bhd ranks #722 out of 1489 companies in the Banks industry, placing it in the top 48.5%.
Is Public Bank Bhd's Cash-to-Debt too high?
Public Bank Bhd's current Cash-to-Debt of 1.47 is 17% below median its 10-year median of 1.77. Over the past 10 years, this metric has ranged from a low of 1.39 to a high of 2.28. The Banks industry median Cash-to-Debt is 1.40. Public Bank Bhd's value of 1.47 is 5% above this industry median. Based on the distribution chart, Public Bank Bhd ranks #722 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Public Bank Bhd has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #722 out of 1489 companies for Cash-to-Debt. This puts Public Bank Bhd in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Public Bank Bhd's value of 1.47 is 5% above this benchmark. Historically, Public Bank Bhd's own Cash-to-Debt has ranged from 1.39 to 2.28 over the past decade. While the company's 10-year median is 1.77 vs. the industry median of 1.40, Public Bank Bhd 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 1.40, based on 1,489 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. Public Bank Bhd's current Cash-to-Debt of 1.47 is 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 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. Public Bank Bhd's current Cash-to-Debt is 1.47, which is 17% below median its own 10-year median of 1.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Public Bank Bhd (PBLOF) has a current Cash-to-Debt of 1.47. The stock's GF Value™ is $0.88, compared to a current price of $0.95 — trading 8% above its estimated fair value. The current Cash-to-Debt is 1.47, which is 17% below median its 10-year median of 1.77 and 5% above the Banks industry median of 1.40. Public Bank Bhd's overall GF Score™ is 71/100 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 Public Bank Bhd (PBLOF), the current Cash-to-Debt is 1.47 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 Public Bank Bhd (PBLOF) Overvalued in 2026?
Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued.
The current stock price of $0.95 is trading 8% above its estimated GF Value™ of $0.88.
Key valuation signals for PBLOF:
Cash-to-Debt: 1.47 (17% below median its 10-year median of 1.77)
GF Value™: $0.88 vs. price of $0.95 (8% above fair value)
Industry Position: 5% above the Banks median (#722 of 1489)
No single metric tells the full story. See the PBLOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
71GF Score
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