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Plutus Financial GroupPLUT +0.26%19 Cash-to-Debt is 12.92 as of Dec. 2025, which is 20% above its 10-year median of 10.75. GuruFocus rates PLUT with a GF Score™ of 19/100. The stock has 6 warning signs investors should review. Among 798 Capital Markets companies, Plutus Financial Group ranks better than 67.67% 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. Plutus Financial Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 12.92.
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, Plutus Financial Groupcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Plutus Financial Group's Cash-to-Debt or its related term are showing as below:
PLUT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 5.42 Med: 10.75 Max: 14.38
Current: 12.92
During the past 6 years, Plutus Financial Group's highest Cash to Debt Ratio was 14.38. The lowest was 5.42. And the median was 10.75.
PLUT's Cash-to-Debt is ranked better than 67.67% of 798
companies
in the Capital Markets industry
Industry Median: 2.325
vs PLUT: 12.92
Plutus Financial Group (NAS:PLUT) 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.
Plutus Financial Group Cash-to-Debt Related Terms
Plutus Financial Group 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 Capital Markets subindustry, Plutus Financial Group'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.
Plutus Financial Group Cash-to-Debt vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Plutus Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Plutus Financial Group'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.
Plutus Financial Group (PLUT) has a Cash-to-Debt of 12.92 as of Dec. 2025. This is 20% above median its historical median of 10.75. Over the past decade, Plutus Financial Group's Cash-to-Debt has ranged from 5.42 to 14.38. According to the industry distribution chart, Plutus Financial Group ranks #258 out of 798 companies in the Capital Markets industry, placing it in the top 32.3%.
Is Plutus Financial Group's Cash-to-Debt too high?
Plutus Financial Group's current Cash-to-Debt of 12.92 is 20% above median its 10-year median of 10.75. Over the past 10 years, this metric has ranged from a low of 5.42 to a high of 14.38. The Capital Markets industry median Cash-to-Debt is 2.33. Plutus Financial Group's value of 12.92 is 455.7% above this industry median. Based on the distribution chart, Plutus Financial Group ranks #258 out of 798 companies in the Capital Markets industry, which is above the industry midpoint. Overall, Plutus Financial Group has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Plutus Financial Group's Cash-to-Debt compare to VIP and HGBL?
According to the Capital Markets industry distribution chart, Plutus Financial Group ranks #258 out of 798 companies for Cash-to-Debt. This puts Plutus Financial Group in the upper half of its industry. The industry median Cash-to-Debt is 2.33. Plutus Financial Group's value of 12.92 is 455.7% above this benchmark. Historically, Plutus Financial Group's own Cash-to-Debt has ranged from 5.42 to 14.38 over the past decade. While the company's 10-year median is 10.75 vs. the industry median of 2.33, Plutus Financial Group has consistently been above 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 Capital Markets company?
The median Cash-to-Debt among Capital Markets companies is 2.33, based on 798 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. Plutus Financial Group's current Cash-to-Debt of 12.92 is 455.7% above 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 Capital Markets industry, the median Cash-to-Debt is 2.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plutus Financial Group's current Cash-to-Debt is 12.92, which is 20% above median its own 10-year median of 10.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plutus Financial Group stock overvalued right now?
Plutus Financial Group (PLUT) has a current Cash-to-Debt of 12.92. The current Cash-to-Debt is 12.92, which is 20% above median its 10-year median of 10.75 and 455.7% above the Capital Markets industry median of 2.33. Plutus Financial Group's overall GF Score™ is 19/100 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 Plutus Financial Group (PLUT), the current Cash-to-Debt is 12.92 as of Dec. 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.
Plutus Financial Group Ltd provides financial services. The company has three reportable segments: securities-related services, asset management services, and money lending services. The securities-related services segment generated commission by offering securities dealing and brokerage services, securities underwriting and placing services, and other financing services. The asset management services segment generated asset management fees by providing asset management services and investment advisory services. Money lending services generated interest income by lending money to corporations and individuals.
19GF Score
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