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East West BankingPHS:EW -1.41%73 Cash-to-Debt is 0.83 as of Mar. 2026, which is 82% below its 10-year median of 4.61. GuruFocus rates PHS:EW with a GF Score™ of 73/100 and a GF Value™ of ₱13.96 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,489 Banks companies, East West Banking ranks worse than 63.06% 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. East West Banking's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.83.
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, East West Bankingcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for East West Banking's Cash-to-Debt or its related term are showing as below:
PHS:EW'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.83 Med: 4.61 Max: 10.74
Current: 0.83
During the past 13 years, East West Banking's highest Cash to Debt Ratio was 10.74. The lowest was 0.83. And the median was 4.61.
PHS:EW's Cash-to-Debt is ranked worse than 63.06% of 1489
companies
in the Banks industry
Industry Median: 1.37
vs PHS:EW: 0.83
East West Banking (PHS:EW) 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.
East West Banking Cash-to-Debt Related Terms
East West Banking Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for East West Banking'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.
East West Banking Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, East West Banking'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.
East West Banking Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, East West Banking's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where East West Banking'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.
East West Banking (PHS:EW) has a Cash-to-Debt of 0.83 as of Mar. 2026. This is 82% below median its historical median of 4.61. Over the past decade, East West Banking's Cash-to-Debt has ranged from 0.83 to 10.74. According to the industry distribution chart, East West Banking ranks #939 out of 1489 companies in the Banks industry, placing it in the top 63.1%.
Is East West Banking's Cash-to-Debt too high?
East West Banking's current Cash-to-Debt of 0.83 is 82% below median its 10-year median of 4.61. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 10.74. The Banks industry median Cash-to-Debt is 1.37. East West Banking's value of 0.83 is 39.4% below this industry median. Based on the distribution chart, East West Banking ranks #939 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, East West Banking has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does East West Banking's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, East West Banking ranks #939 out of 1489 companies for Cash-to-Debt. This places East West Banking in the lower half of its industry. The industry median Cash-to-Debt is 1.37. East West Banking's value of 0.83 is 39.4% below this benchmark. Historically, East West Banking's own Cash-to-Debt has ranged from 0.83 to 10.74 over the past decade. While the company's 10-year median is 4.61 vs. the industry median of 1.37, East West Banking 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 Banks company?
The median Cash-to-Debt among Banks companies is 1.37, 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. East West Banking's current Cash-to-Debt of 0.83 is 39.4% 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 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. East West Banking's current Cash-to-Debt is 0.83, which is 82% below median its own 10-year median of 4.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is East West Banking stock overvalued right now?
Based on GuruFocus' analysis, East West Banking (PHS:EW) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱13.96, compared to a current price of ₱11.18 — trading 19.9% below its estimated fair value. The current Cash-to-Debt is 0.83, which is 82% below median its 10-year median of 4.61 and 39.4% below the Banks industry median of 1.37. East West Banking's overall GF Score™ is 73/100 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 East West Banking (PHS:EW), the current Cash-to-Debt is 0.83 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 East West Banking (PHS:EW) Overvalued in 2026?
Based on GuruFocus' analysis, East West Banking stock appears to be undervalued.
The current stock price of ₱11.18 is trading 19.9% below its estimated GF Value™ of ₱13.96.
GuruFocus considers East West Banking to be Modestly Undervalued.
Key valuation signals for PHS:EW:
Cash-to-Debt: 0.83 (82% below median its 10-year median of 4.61)
GF Value™: ₱13.96 vs. price of ₱11.18 (19.9% below fair value)
Industry Position: 39.4% below the Banks median (#939 of 1489)
No single metric tells the full story. See the PHS:EW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
East West Banking Corporation is a commercial bank providing financial services in the Philippines. The bank generates all revenue domestically. The bank operates through four segments: the Retail banking segment offers traditional branch banking products and services such as deposits, back-to-back/emerging market loans, and other over-the-counter (OTC) transactions, the Corporate banking segment handles lending and trade financing for both large corporations and middle-market clients, the Consumer banking segment caters to loans for individuals, and Treasury and Trust segment consists of treasury and trust operations of the Group. The company derives a majority of its revenue from the Consumer banking segment.
73GF Score
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