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LT GroupPHS:LTG -0.39%92 Cash-to-Debt is 6.50 as of Jun. 2026, which is 4% below its 10-year median of 6.75. GuruFocus rates PHS:LTG with a GF Score™ of 92/100 and a GF Value™ of ₱12.01 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 538 Conglomerates companies, LT Group ranks better than 86.06% 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. LT Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 6.50.
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, LT Groupcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for LT Group's Cash-to-Debt or its related term are showing as below:
PHS:LTG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 3.05 Med: 6.75 Max: 69.44
Current: 6.5
During the past 13 years, LT Group's highest Cash to Debt Ratio was 69.44. The lowest was 3.05. And the median was 6.75.
PHS:LTG's Cash-to-Debt is ranked better than 86.06% of 538
companies
in the Conglomerates industry
Industry Median: 0.45
vs PHS:LTG: 6.50
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.
LT Group Cash-to-Debt Related Terms
LT Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for LT Group'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 Conglomerates subindustry, LT Group'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.
LT Group Cash-to-Debt vs Conglomerates Industry
For the Conglomerates industry and Industrials sector, LT Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where LT Group'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.
LT Group (PHS:LTG) has a Cash-to-Debt of 6.50 as of Jun. 2026. This is near median its historical median of 6.75. Over the past decade, LT Group's Cash-to-Debt has ranged from 3.05 to 69.44. According to the industry distribution chart, LT Group ranks #75 out of 538 companies in the Conglomerates industry, placing it in the top 13.9%.
Is LT Group's Cash-to-Debt too high?
LT Group's current Cash-to-Debt of 6.50 is near median its 10-year median of 6.75. Over the past 10 years, this metric has ranged from a low of 3.05 to a high of 69.44. The Conglomerates industry median Cash-to-Debt is 0.45. LT Group's value of 6.50 is 1344.4% above this industry median. Based on the distribution chart, LT Group ranks #75 out of 538 companies in the Conglomerates industry, which is in the top quartile — a strong position relative to peers. Overall, LT Group has a GF Score™ of 92/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does LT Group's Cash-to-Debt compare to MMM and HON?
According to the Conglomerates industry distribution chart, LT Group ranks #75 out of 538 companies for Cash-to-Debt. This places LT Group in the top 14% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.45. LT Group's value of 6.50 is 1344.4% above this benchmark. Historically, LT Group's own Cash-to-Debt has ranged from 3.05 to 69.44 over the past decade. While the company's 10-year median is 6.75 vs. the industry median of 0.45, LT Group 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 Conglomerates company?
The median Cash-to-Debt among Conglomerates companies is 0.45, based on 538 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. LT Group's current Cash-to-Debt of 6.50 is 1344.4% 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 Conglomerates industry, the median Cash-to-Debt is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LT Group's current Cash-to-Debt is 6.50, which is near median its own 10-year median of 6.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LT Group stock overvalued right now?
Based on GuruFocus' analysis, LT Group (PHS:LTG) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱12.01, compared to a current price of ₱15.16 — trading 26.2% above its estimated fair value. The current Cash-to-Debt is 6.50, which is near median its 10-year median of 6.75 and 1344.4% above the Conglomerates industry median of 0.45. LT Group's overall GF Score™ is 92/100 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 LT Group (PHS:LTG), the current Cash-to-Debt is 6.50 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 LT Group (PHS:LTG) Overvalued in 2026?
Based on GuruFocus' analysis, LT Group stock appears to be overvalued.
The current stock price of ₱15.16 is trading 26.2% above its estimated GF Value™ of ₱12.01.
GuruFocus considers LT Group to be Modestly Overvalued.
Key valuation signals for PHS:LTG:
Cash-to-Debt: 6.50 (near median its 10-year median of 6.75)
GF Value™: ₱12.01 vs. price of ₱15.16 (26.2% above fair value)
Industry Position: 1344.4% above the Conglomerates median (#75 of 538)
No single metric tells the full story. See the PHS:LTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LT Group Inc has banking, property development, distilled spirits, beverage, and tobacco businesses. The company operates in the Philippines. LT's Banking business provides a full range of banking and other financial services to government, corporate, and retail customers, and it accounts for roughly half of the company's total income. The remaining income is split between the following businesses: Distilled Spirits, which manufactures and sells rum and spirits; Beverages, which produces and sells beer, soft drinks, and bottled water; Tobacco, which manufactures and sells cigarettes and other tobacco products; and Property Development, which develops, leases, manages, and sells residential real estate, but also commercial, industrial, and urban properties.
92GF Score
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