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Makati FinancePHS:MFIN 56 Cash-to-Debt is 0.07 as of Mar. 2026, which is 22% below its 10-year median of 0.09. GuruFocus rates PHS:MFIN with a GF Score™ of 56/100 and a GF Value™ of ₱1.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 515 Credit Services companies, Makati Finance ranks worse than 69.51% 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. Makati Finance's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.07.
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, Makati Financecouldn'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 Makati Finance's Cash-to-Debt or its related term are showing as below:
PHS:MFIN'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.09 Max: 0.3
Current: 0.07
During the past 13 years, Makati Finance's highest Cash to Debt Ratio was 0.30. The lowest was 0.02. And the median was 0.09.
PHS:MFIN's Cash-to-Debt is ranked worse than 69.51% of 515
companies
in the Credit Services industry
Industry Median: 0.19
vs PHS:MFIN: 0.07
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.
Makati Finance Cash-to-Debt Related Terms
Makati Finance Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Makati Finance'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 Credit Services subindustry, Makati Finance'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.
Makati Finance Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance (PHS:MFIN) has a Cash-to-Debt of 0.07 as of Mar. 2026. This is 22% below median its historical median of 0.09. Over the past decade, Makati Finance's Cash-to-Debt has ranged from 0.02 to 0.30. According to the industry distribution chart, Makati Finance ranks #358 out of 515 companies in the Credit Services industry, placing it in the top 69.5%.
Is Makati Finance's Cash-to-Debt too high?
Makati Finance's current Cash-to-Debt of 0.07 is 22% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.30. The Credit Services industry median Cash-to-Debt is 0.19. Makati Finance's value of 0.07 is 63.2% below this industry median. Based on the distribution chart, Makati Finance ranks #358 out of 515 companies in the Credit Services industry, which is below the industry midpoint. Overall, Makati Finance has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #358 out of 515 companies for Cash-to-Debt. This places Makati Finance in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Makati Finance's value of 0.07 is 63.2% below this benchmark. Historically, Makati Finance's own Cash-to-Debt has ranged from 0.02 to 0.30 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.19, Makati Finance 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 Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 515 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. Makati Finance's current Cash-to-Debt of 0.07 is 63.2% 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 Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current Cash-to-Debt is 0.07, which is 22% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.66, compared to a current price of ₱2.39 — trading 44% above its estimated fair value. The current Cash-to-Debt is 0.07, which is 22% below median its 10-year median of 0.09 and 63.2% below the Credit Services industry median of 0.19. Makati Finance's overall GF Score™ is 56/100 with 9 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 Makati Finance (PHS:MFIN), the current Cash-to-Debt is 0.07 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.39 is trading 44% above its estimated GF Value™ of ₱1.66.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
Cash-to-Debt: 0.07 (22% below median its 10-year median of 0.09)
GF Value™: ₱1.66 vs. price of ₱2.39 (44% above fair value)
Industry Position: 63.2% below the Credit Services median (#358 of 515)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
56GF Score
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