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RFA FinancialRFAFF 41 Cash-to-Debt is 0.19 as of Mar. 2026, which is 850% above its 10-year median of 0.02. GuruFocus rates RFAFF with a GF Score™ of 41/100 and a GF Value™ of $11.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 853 REITs companies, RFA Financial ranks better than 63.89% 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. RFA Financial's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.19.
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, RFA Financialcouldn'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 RFA Financial's Cash-to-Debt or its related term are showing as below:
RFAFF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.19
Current: 0.19
During the past 13 years, RFA Financial's highest Cash to Debt Ratio was 0.19. The lowest was 0.01. And the median was 0.02.
RFAFF's Cash-to-Debt is ranked better than 63.89% of 853
companies
in the REITs industry
Industry Median: 0.09
vs RFAFF: 0.19
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.
RFA Financial Cash-to-Debt Related Terms
RFA Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for RFA Financial'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 REIT - Diversified subindustry, RFA Financial'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.
RFA Financial Cash-to-Debt vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where RFA Financial'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.
RFA Financial (RFAFF) has a Cash-to-Debt of 0.19 as of Mar. 2026. This is 850% above median its historical median of 0.02. Over the past decade, RFA Financial's Cash-to-Debt has ranged from 0.01 to 0.19. According to the industry distribution chart, RFA Financial ranks #308 out of 853 companies in the REITs industry, placing it in the top 36.1%.
Is RFA Financial's Cash-to-Debt too high?
RFA Financial's current Cash-to-Debt of 0.19 is 850% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.19. The REITs industry median Cash-to-Debt is 0.09. RFA Financial's value of 0.19 is 111.1% above this industry median. Based on the distribution chart, RFA Financial ranks #308 out of 853 companies in the REITs industry, which is above the industry midpoint. Overall, RFA Financial has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Cash-to-Debt compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #308 out of 853 companies for Cash-to-Debt. This puts RFA Financial in the upper half of its industry. The industry median Cash-to-Debt is 0.09. RFA Financial's value of 0.19 is 111.1% above this benchmark. Historically, RFA Financial's own Cash-to-Debt has ranged from 0.01 to 0.19 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.09, RFA Financial 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 REITs company?
The median Cash-to-Debt among REITs companies is 0.09, based on 853 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. RFA Financial's current Cash-to-Debt of 0.19 is 111.1% 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 REITs industry, the median Cash-to-Debt is 0.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current Cash-to-Debt is 0.19, which is 850% above median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.62, compared to a current price of $18.47 — trading 59% above its estimated fair value. The current Cash-to-Debt is 0.19, which is 850% above median its 10-year median of 0.02 and 111.1% above the REITs industry median of 0.09. RFA Financial's overall GF Score™ is 41/100 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 RFA Financial (RFAFF), the current Cash-to-Debt is 0.19 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 RFA Financial (RFAFF) Overvalued in 2026?
Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued.
The current stock price of $18.47 is trading 59% above its estimated GF Value™ of $11.62.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
Cash-to-Debt: 0.19 (850% above median its 10-year median of 0.02)
GF Value™: $11.62 vs. price of $18.47 (59% above fair value)
Industry Position: 111.1% above the REITs median (#308 of 853)
No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
41GF Score
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