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PACCARPCAR -1.35%83 Cash-to-Debt is 0.60 as of Jun. 2026, which is 33% above its 10-year median of 0.45. GuruFocus rates PCAR with a GF Score™ of 83/100 and a GF Value™ of $87.80 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 204 Farm & Heavy Construction Machinery companies, PACCAR ranks worse than 51.96% 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. PACCAR's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.60.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, PACCARcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PACCAR's Cash-to-Debt or its related term are showing as below:
PCAR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.34 Med: 0.45 Max: 0.63
Current: 0.6
During the past 13 years, PACCAR's highest Cash to Debt Ratio was 0.63. The lowest was 0.34. And the median was 0.45.
PCAR's Cash-to-Debt is ranked worse than 51.96% of 204
companies
in the Farm & Heavy Construction Machinery industry
Industry Median: 0.695
vs PCAR: 0.60
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.
PACCAR Cash-to-Debt Related Terms
PACCAR Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PACCAR'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 Farm & Heavy Construction Machinery subindustry, PACCAR'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.
PACCAR Cash-to-Debt vs Farm & Heavy Construction Machinery Industry
For the Farm & Heavy Construction Machinery industry and Industrials sector, PACCAR's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PACCAR'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.
PACCAR (PCAR) has a Cash-to-Debt of 0.60 as of Jun. 2026. This is 33% above median its historical median of 0.45. Over the past decade, PACCAR's Cash-to-Debt has ranged from 0.34 to 0.63. According to the industry distribution chart, PACCAR ranks #106 out of 204 companies in the Farm & Heavy Construction Machinery industry, placing it in the top 52%.
Is PACCAR's Cash-to-Debt too high?
PACCAR's current Cash-to-Debt of 0.60 is 33% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.63. The Farm & Heavy Construction Machinery industry median Cash-to-Debt is 0.70. PACCAR's value of 0.60 is 13.7% below this industry median. Based on the distribution chart, PACCAR ranks #106 out of 204 companies in the Farm & Heavy Construction Machinery industry, which is below the industry midpoint. Overall, PACCAR has a GF Score™ of 83/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PACCAR's Cash-to-Debt compare to CNH and OSK?
According to the Farm & Heavy Construction Machinery industry distribution chart, PACCAR ranks #106 out of 204 companies for Cash-to-Debt. This places PACCAR in the lower half of its industry. The industry median Cash-to-Debt is 0.70. PACCAR's value of 0.60 is 13.7% below this benchmark. Historically, PACCAR's own Cash-to-Debt has ranged from 0.34 to 0.63 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.70, PACCAR 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 Farm & Heavy Construction Machinery company?
The median Cash-to-Debt among Farm & Heavy Construction Machinery companies is 0.70, based on 204 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. PACCAR's current Cash-to-Debt of 0.60 is 13.7% 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 Farm & Heavy Construction Machinery industry, the median Cash-to-Debt is 0.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PACCAR's current Cash-to-Debt is 0.60, which is 33% above median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PACCAR stock overvalued right now?
Based on GuruFocus' analysis, PACCAR (PCAR) is currently considered Significantly Overvalued. The stock's GF Value™ is $87.80, compared to a current price of $122.45 — trading 39.5% above its estimated fair value. The current Cash-to-Debt is 0.60, which is 33% above median its 10-year median of 0.45 and 13.7% below the Farm & Heavy Construction Machinery industry median of 0.70. PACCAR's overall GF Score™ is 83/100 with 8 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 PACCAR (PCAR), the current Cash-to-Debt is 0.60 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 PACCAR (PCAR) Overvalued in 2026?
Based on GuruFocus' analysis, PACCAR stock appears to be overvalued.
The current stock price of $122.45 is trading 39.5% above its estimated GF Value™ of $87.80.
GuruFocus considers PACCAR to be Significantly Overvalued.
Key valuation signals for PCAR:
Cash-to-Debt: 0.60 (33% above median its 10-year median of 0.45)
GF Value™: $87.80 vs. price of $122.45 (39.5% above fair value)
Industry Position: 13.7% below the Farm & Heavy Construction Machinery median (#106 of 204)
No single metric tells the full story. See the PCAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paccar is a leading manufacturer of medium- and heavy-duty trucks under the premium nameplates Kenworth and Peterbilt, which are primarily sold in the Americas and Australia, and DAF, which primarily services Europe and South America. The trucks segment (74% sales) goes to market through a network of 2,200 independent dealers. Paccar maintains an internal finance subsidiary that provides retail and wholesale financing for customers and dealers (6% sales). In recent years, Paccar has aggressively expanded its parts business (20% of sales), including engines, axles, and transmissions for its own truck brands as well as independent producers. The company commands 30% of the Class 8 market share in North America and 15% of the heavy-duty market share in Europe.
83GF Score
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