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Rizal Commercial BankingPHS:RCB +0.22%75 Cash-to-Debt is 0.65 as of Mar. 2026, which is 41% below its 10-year median of 1.11. GuruFocus rates PHS:RCB with a GF Score™ of 75/100 and a GF Value™ of ₱29.87 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,484 Banks companies, Rizal Commercial Banking ranks worse than 70.01% 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. Rizal Commercial Banking's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.65.
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, Rizal Commercial 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 Rizal Commercial Banking's Cash-to-Debt or its related term are showing as below:
PHS:RCB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.51 Med: 1.11 Max: 1.97
Current: 0.65
During the past 13 years, Rizal Commercial Banking's highest Cash to Debt Ratio was 1.97. The lowest was 0.51. And the median was 1.11.
PHS:RCB's Cash-to-Debt is ranked worse than 70.01% of 1484
companies
in the Banks industry
Industry Median: 1.37
vs PHS:RCB: 0.65
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.
Rizal Commercial Banking Cash-to-Debt Related Terms
Rizal Commercial Banking 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.
For the Banks - Regional subindustry, Rizal Commercial 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.
Rizal Commercial Banking Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Rizal Commercial 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.
Rizal Commercial Banking (PHS:RCB) has a Cash-to-Debt of 0.65 as of Mar. 2026. This is 41% below median its historical median of 1.11. Over the past decade, Rizal Commercial Banking's Cash-to-Debt has ranged from 0.51 to 1.97. According to the industry distribution chart, Rizal Commercial Banking ranks #1039 out of 1484 companies in the Banks industry, placing it in the top 70%.
Is Rizal Commercial Banking's Cash-to-Debt too high?
Rizal Commercial Banking's current Cash-to-Debt of 0.65 is 41% below median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.97. The Banks industry median Cash-to-Debt is 1.37. Rizal Commercial Banking's value of 0.65 is 52.6% below this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #1039 out of 1484 companies in the Banks industry, which is below the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #1039 out of 1484 companies for Cash-to-Debt. This places Rizal Commercial Banking in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Rizal Commercial Banking's value of 0.65 is 52.6% below this benchmark. Historically, Rizal Commercial Banking's own Cash-to-Debt has ranged from 0.51 to 1.97 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 1.37, Rizal Commercial 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 1,484 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. Rizal Commercial Banking's current Cash-to-Debt of 0.65 is 52.6% 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. Rizal Commercial Banking's current Cash-to-Debt is 0.65, which is 41% below median its own 10-year median of 1.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.87, compared to a current price of ₱23.05 — trading 22.8% below its estimated fair value. The current Cash-to-Debt is 0.65, which is 41% below median its 10-year median of 1.11 and 52.6% below the Banks industry median of 1.37. Rizal Commercial Banking's overall GF Score™ is 75/100 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 Rizal Commercial Banking (PHS:RCB), the current Cash-to-Debt is 0.65 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.05 is trading 22.8% below its estimated GF Value™ of ₱29.87.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Cash-to-Debt: 0.65 (41% below median its 10-year median of 1.11)
GF Value™: ₱29.87 vs. price of ₱23.05 (22.8% below fair value)
Industry Position: 52.6% below the Banks median (#1039 of 1484)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
75GF Score
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