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Asia United BankPHS:AUB +0.40%64 Cash-to-Debt is 19.59 as of Jun. 2026, which is 284% above its 10-year median of 5.10. GuruFocus rates PHS:AUB with a GF Score™ of 64/100 and a GF Value™ of ₱39.48 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,490 Banks companies, Asia United Bank ranks better than 87.79% 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. Asia United Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 19.59.
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, Asia United Bankcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Asia United Bank's Cash-to-Debt or its related term are showing as below:
PHS:AUB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.58 Med: 5.1 Max: 31.95
Current: 19.59
During the past 13 years, Asia United Bank's highest Cash to Debt Ratio was 31.95. The lowest was 2.58. And the median was 5.10.
PHS:AUB's Cash-to-Debt is ranked better than 87.79% of 1490
companies
in the Banks industry
Industry Median: 1.4
vs PHS:AUB: 19.59
Asia United Bank (PHS:AUB) 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.
Asia United Bank Cash-to-Debt Related Terms
Asia United Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Asia United Bank'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.
Asia United Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Asia United Bank'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.
Asia United Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Asia United Bank'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.
Asia United Bank (PHS:AUB) has a Cash-to-Debt of 19.59 as of Jun. 2026. This is 284% above median its historical median of 5.10. Over the past decade, Asia United Bank's Cash-to-Debt has ranged from 2.58 to 31.95. According to the industry distribution chart, Asia United Bank ranks #182 out of 1490 companies in the Banks industry, placing it in the top 12.2%.
Is Asia United Bank's Cash-to-Debt too high?
Asia United Bank's current Cash-to-Debt of 19.59 is 284% above median its 10-year median of 5.10. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 31.95. The Banks industry median Cash-to-Debt is 1.40. Asia United Bank's value of 19.59 is 1299.3% above this industry median. Based on the distribution chart, Asia United Bank ranks #182 out of 1490 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia United Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #182 out of 1490 companies for Cash-to-Debt. This places Asia United Bank in the top 12% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Asia United Bank's value of 19.59 is 1299.3% above this benchmark. Historically, Asia United Bank's own Cash-to-Debt has ranged from 2.58 to 31.95 over the past decade. While the company's 10-year median is 5.10 vs. the industry median of 1.40, Asia United Bank 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 1,490 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. Asia United Bank's current Cash-to-Debt of 19.59 is 1299.3% 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. Asia United Bank's current Cash-to-Debt is 19.59, which is 284% above median its own 10-year median of 5.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia United Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia United Bank (PHS:AUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱39.48, compared to a current price of ₱50.40 — trading 27.7% above its estimated fair value. The current Cash-to-Debt is 19.59, which is 284% above median its 10-year median of 5.10 and 1299.3% above the Banks industry median of 1.40. Asia United Bank's overall GF Score™ is 64/100 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 Asia United Bank (PHS:AUB), the current Cash-to-Debt is 19.59 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 Asia United Bank (PHS:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia United Bank stock appears to be overvalued.
The current stock price of ₱50.40 is trading 27.7% above its estimated GF Value™ of ₱39.48.
GuruFocus considers Asia United Bank to be Modestly Overvalued.
Key valuation signals for PHS:AUB:
Cash-to-Debt: 19.59 (284% above median its 10-year median of 5.10)
GF Value™: ₱39.48 vs. price of ₱50.40 (27.7% above fair value)
Industry Position: 1299.3% above the Banks median (#182 of 1490)
No single metric tells the full story. See the PHS:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia United Bank Corp is a banking service provider in the Philippines. It offers banking and financial products to corporate and individual customers. It functions through five divisions. Commercial Banking provides lending, trade, and cash management services to corporate and institutional customers. The Consumer Banking segment offers banking services to retail customers. The Treasury segment functions include managing the group's reserve and liquidity position and maintaining its balance sheet by investing in sovereign and corporate debt instruments. The Branch Banking segment, which is the key revenue driver, offers retail deposit products. The Others segment includes the group's income from trust activities, remittances, investment banking, and gains on foreclosed properties.
64GF Score
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