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Villar Land HoldingsPHS:VLC 13 Cash-to-Debt is 0.13 as of Sep. 2025, which is 38% below its 10-year median of 0.21. GuruFocus rates PHS:VLC with a GF Score™ of 13/100 and a GF Value™ of ₱605.35 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,748 Real Estate companies, Villar Land Holdings ranks worse than 65.22% 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. Villar Land Holdings's cash to debt ratio for the quarter that ended in Sep. 2025 was 0.13.
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, Villar Land Holdingscouldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2025.
The historical rank and industry rank for Villar Land Holdings's Cash-to-Debt or its related term are showing as below:
PHS:VLC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1 Med: 0.21 Max: 12.71
Current: 0.13
During the past 12 years, Villar Land Holdings's highest Cash to Debt Ratio was 12.71. The lowest was 0.10. And the median was 0.21.
PHS:VLC's Cash-to-Debt is ranked worse than 65.22% of 1748
companies
in the Real Estate industry
Industry Median: 0.26
vs PHS:VLC: 0.13
Villar Land Holdings (PHS:VLC) 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.
Villar Land Holdings Cash-to-Debt Related Terms
Villar Land Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Villar Land Holdings'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.
Villar Land Holdings Cash-to-Debt Competitor Comparison
For the Real Estate - Development subindustry, Villar Land Holdings'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.
Villar Land Holdings Cash-to-Debt vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Villar Land Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Villar Land Holdings'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.
Villar Land Holdings (PHS:VLC) has a Cash-to-Debt of 0.13 as of Sep. 2025. This is 38% below median its historical median of 0.21. Over the past decade, Villar Land Holdings' Cash-to-Debt has ranged from 0.10 to 12.71. According to the industry distribution chart, Villar Land Holdings ranks #1140 out of 1748 companies in the Real Estate industry, placing it in the top 65.2%.
Is Villar Land Holdings' Cash-to-Debt too high?
Villar Land Holdings' current Cash-to-Debt of 0.13 is 38% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 12.71. The Real Estate industry median Cash-to-Debt is 0.26. Villar Land Holdings' value of 0.13 is 50% below this industry median. Based on the distribution chart, Villar Land Holdings ranks #1140 out of 1748 companies in the Real Estate industry, which is below the industry midpoint. Overall, Villar Land Holdings has a GF Score™ of 13/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Villar Land Holdings' Cash-to-Debt compare to competitors?
According to the Real Estate industry distribution chart, Villar Land Holdings ranks #1140 out of 1748 companies for Cash-to-Debt. This places Villar Land Holdings in the lower half of its industry. The industry median Cash-to-Debt is 0.26. Villar Land Holdings' value of 0.13 is 50% below this benchmark. Historically, Villar Land Holdings' own Cash-to-Debt has ranged from 0.10 to 12.71 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.26, Villar Land Holdings 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 1,748 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. Villar Land Holdings's current Cash-to-Debt of 0.13 is 50% 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. Villar Land Holdings's current Cash-to-Debt is 0.13, which is 38% below median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Villar Land Holdings stock overvalued right now?
Based on GuruFocus' analysis, Villar Land Holdings (PHS:VLC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱605.35, compared to a current price of ₱448.00 — trading 26% below its estimated fair value. The current Cash-to-Debt is 0.13, which is 38% below median its 10-year median of 0.21 and 50% below the Real Estate industry median of 0.26. Villar Land Holdings' overall GF Score™ is 13/100 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 Villar Land Holdings (PHS:VLC), the current Cash-to-Debt is 0.13 as of Sep. 2025. 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 Villar Land Holdings (PHS:VLC) Overvalued in 2026?
Based on GuruFocus' analysis, Villar Land Holdings stock appears to be undervalued.
The current stock price of ₱448.00 is trading 26% below its estimated GF Value™ of ₱605.35.
GuruFocus considers Villar Land Holdings to be Modestly Undervalued.
Key valuation signals for PHS:VLC:
Cash-to-Debt: 0.13 (38% below median its 10-year median of 0.21)
GF Value™: ₱605.35 vs. price of ₱448.00 (26% below fair value)
Industry Position: 50% below the Real Estate median (#1140 of 1748)
No single metric tells the full story. See the PHS:VLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Villar Land Holdings Corp, formerly Golden MV Holdings Inc is a Philippines-based developer of memorial parks in the country in terms of the number of projects, overall sales, and land development. The company develops, constructs, and operates columbarium and memorial chapel facilities, and is also engaged in the construction and development of residential projects in various places all over the Philippines. The company has two operating segments; the Residential segment pertains to the housing market segment of the group. It caters to the development and sale of residential houses and lots, subdivision lots, and condominium units, and The Deathcare segment pertains to the sale of memorial lots, interment income, and income from chapel services.
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