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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. National Reinsurance of the Philippines's cash to debt ratio for the quarter that ended in Mar. 2026 was No Debt (1).
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, National Reinsurance of the Philippinescould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
(1) 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.
PHS:NRCP'
s Cash-to-Debt Range Over the Past 10 Years
Min: No Debt Med: No Debt Max: No Debt
Current: No Debt
During the past 13 years, National Reinsurance of the Philippines's highest Cash to Debt Ratio was No Debt. The lowest was No Debt. And the median was No Debt.
PHS:NRCP's Cash-to-Debt is ranked better than 99.4% of 502
companies
in the Insurance industry
Industry Median: 1.91
vs PHS:NRCP: No Debt
National Reinsurance of the Philippines (PHS:NRCP) 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.
National Reinsurance of the Philippines Cash-to-Debt Related Terms
National Reinsurance of the Philippines Cash-to-Debt Historical Data
* 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.
National Reinsurance of the Philippines Cash-to-Debt Chart
National Reinsurance of the Philippines Annual Data
For the Insurance - Reinsurance subindustry, National Reinsurance of the Philippines'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.
National Reinsurance of the Philippines Cash-to-Debt vs Insurance Industry
National Reinsurance of the Philippines had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
National Reinsurance of the Philippines (PHS:NRCP) has a Cash-to-Debt of No Debt (1) as of Mar. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, National Reinsurance of the Philippines' Cash-to-Debt has ranged from 10,000.00 to 10,000.00. According to the industry distribution chart, National Reinsurance of the Philippines ranks #3 out of 502 companies in the Insurance industry, placing it in the top 0.59999999999999%.
Is National Reinsurance of the Philippines' Cash-to-Debt too high?
National Reinsurance of the Philippines' current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00. Based on the distribution chart, National Reinsurance of the Philippines ranks #3 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, National Reinsurance of the Philippines has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' Cash-to-Debt compare to RGA and EG?
According to the Insurance industry distribution chart, National Reinsurance of the Philippines ranks #3 out of 502 companies for Cash-to-Debt. This places National Reinsurance of the Philippines in the top 1% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.91. Historically, National Reinsurance of the Philippines' own Cash-to-Debt has ranged from 10,000.00 to 10,000.00 over the past decade. 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 an Insurance company?
The median Cash-to-Debt among Insurance companies is 1.91, based on 502 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. 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 Insurance industry, the median Cash-to-Debt is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Reinsurance of the Philippines's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.62, compared to a current price of ₱0.95 — trading 53.2% above its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. National Reinsurance of the Philippines' overall GF Score™ is 42/100 with 2 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 National Reinsurance of the Philippines (PHS:NRCP), the current Cash-to-Debt is No Debt (1) 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 National Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?
Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued.
The current stock price of ₱0.95 is trading 53.2% above its estimated GF Value™ of ₱0.62.
GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.
Key valuation signals for PHS:NRCP:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: ₱0.62 vs. price of ₱0.95 (53.2% above fair value)
No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
42GF Score
Get the complete analysis for PHS:NRCP
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