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Sta Lucia LandPHS:SLI 79 Cash-to-Debt is 0.08 as of Mar. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates PHS:SLI with a GF Score™ of 79/100 and a GF Value™ of ₱2.29 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,746 Real Estate companies, Sta Lucia Land ranks worse than 74.51% 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. Sta Lucia Land's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.08.
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, Sta Lucia Landcouldn'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 Sta Lucia Land's Cash-to-Debt or its related term are showing as below:
PHS:SLI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.09 Max: 0.27
Current: 0.08
During the past 13 years, Sta Lucia Land's highest Cash to Debt Ratio was 0.27. The lowest was 0.02. And the median was 0.09.
PHS:SLI's Cash-to-Debt is ranked worse than 74.51% of 1746
companies
in the Real Estate industry
Industry Median: 0.26
vs PHS:SLI: 0.08
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.
Sta Lucia Land Cash-to-Debt Related Terms
Sta Lucia Land Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Sta Lucia Land'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 Real Estate - Development subindustry, Sta Lucia Land'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.
Sta Lucia Land Cash-to-Debt vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Sta Lucia Land's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Sta Lucia Land'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.
Sta Lucia Land (PHS:SLI) has a Cash-to-Debt of 0.08 as of Mar. 2026. This is 11% below median its historical median of 0.09. Over the past decade, Sta Lucia Land's Cash-to-Debt has ranged from 0.02 to 0.27. According to the industry distribution chart, Sta Lucia Land ranks #1301 out of 1746 companies in the Real Estate industry, placing it in the top 74.5%.
Is Sta Lucia Land's Cash-to-Debt too high?
Sta Lucia Land's current Cash-to-Debt of 0.08 is 11% 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 0.27. The Real Estate industry median Cash-to-Debt is 0.26. Sta Lucia Land's value of 0.08 is 69.2% below this industry median. Based on the distribution chart, Sta Lucia Land ranks #1301 out of 1746 companies in the Real Estate industry, which is below the industry midpoint. Overall, Sta Lucia Land has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sta Lucia Land's Cash-to-Debt compare to competitors?
According to the Real Estate industry distribution chart, Sta Lucia Land ranks #1301 out of 1746 companies for Cash-to-Debt. This places Sta Lucia Land in the lower half of its industry. The industry median Cash-to-Debt is 0.26. Sta Lucia Land's value of 0.08 is 69.2% below this benchmark. Historically, Sta Lucia Land's own Cash-to-Debt has ranged from 0.02 to 0.27 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.26, Sta Lucia Land 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 Real Estate company?
The median Cash-to-Debt among Real Estate companies is 0.26, based on 1,746 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. Sta Lucia Land's current Cash-to-Debt of 0.08 is 69.2% 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 Real Estate industry, the median Cash-to-Debt is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sta Lucia Land's current Cash-to-Debt is 0.08, which is 11% 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 Sta Lucia Land stock overvalued right now?
Based on GuruFocus' analysis, Sta Lucia Land (PHS:SLI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱2.29, compared to a current price of ₱2.05 — trading 10.5% below its estimated fair value. The current Cash-to-Debt is 0.08, which is 11% below median its 10-year median of 0.09 and 69.2% below the Real Estate industry median of 0.26. Sta Lucia Land's overall GF Score™ is 79/100 with 6 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 Sta Lucia Land (PHS:SLI), the current Cash-to-Debt is 0.08 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 Sta Lucia Land (PHS:SLI) Overvalued in 2026?
Based on GuruFocus' analysis, Sta Lucia Land stock appears to be undervalued.
The current stock price of ₱2.05 is trading 10.5% below its estimated GF Value™ of ₱2.29.
GuruFocus considers Sta Lucia Land to be Modestly Undervalued.
Key valuation signals for PHS:SLI:
Cash-to-Debt: 0.08 (11% below median its 10-year median of 0.09)
GF Value™: ₱2.29 vs. price of ₱2.05 (10.5% below fair value)
Industry Position: 69.2% below the Real Estate median (#1301 of 1746)
No single metric tells the full story. See the PHS:SLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sta Lucia Land Inc is a flagship property development company, which is principally engaged in real estate development, both horizontal and vertical, in various locations across the Philippines. The company has two reportable operating segments as follows: i) Leasing: This segment consists of the Group's investment properties which includes properties that are held to earn rentals and are not occupied by the Group. ii) Residential development: This represents the development and selling of subdivision lots and high-rise condominium projects across the Philippines.
79GF Score
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