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Societe GeneraleSCGLF 57 Cash-to-Debt is 1.18 as of Jun. 2026, which is at its 10-year median of 1.18. GuruFocus rates SCGLF with a GF Score™ of 57/100 and a GF Value™ of $47.94 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,484 Banks companies, Societe Generale ranks worse than 53.44% 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. Societe Generale's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.18.
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, Societe Generalecould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Societe Generale's Cash-to-Debt or its related term are showing as below:
SCGLF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.64 Med: 1.18 Max: 1.87
Current: 1.18
During the past 13 years, Societe Generale's highest Cash to Debt Ratio was 1.87. The lowest was 0.64. And the median was 1.18.
SCGLF's Cash-to-Debt is ranked worse than 53.44% of 1484
companies
in the Banks industry
Industry Median: 1.4
vs SCGLF: 1.18
Societe Generale (OTCPK:SCGLF) 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.
Societe Generale Cash-to-Debt Related Terms
Societe Generale Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Societe Generale'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.
Societe Generale Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Societe Generale'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.
Societe Generale Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Societe Generale's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Societe Generale'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.
Societe Generale (SCGLF) has a Cash-to-Debt of 1.18 as of Jun. 2026. This is near median its historical median of 1.18. Over the past decade, Societe Generale's Cash-to-Debt has ranged from 0.64 to 1.87. According to the industry distribution chart, Societe Generale ranks #793 out of 1484 companies in the Banks industry, placing it in the top 53.4%.
Is Societe Generale's Cash-to-Debt too high?
Societe Generale's current Cash-to-Debt of 1.18 is near median its 10-year median of 1.18. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.87. The Banks industry median Cash-to-Debt is 1.40. Societe Generale's value of 1.18 is 15.7% below this industry median. Based on the distribution chart, Societe Generale ranks #793 out of 1484 companies in the Banks industry, which is below the industry midpoint. Overall, Societe Generale has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Societe Generale ranks #793 out of 1484 companies for Cash-to-Debt. This places Societe Generale in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Societe Generale's value of 1.18 is 15.7% below this benchmark. Historically, Societe Generale's own Cash-to-Debt has ranged from 0.64 to 1.87 over the past decade. While the company's 10-year median is 1.18 vs. the industry median of 1.40, Societe Generale 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 1.40, 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. Societe Generale's current Cash-to-Debt of 1.18 is 15.7% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Generale's current Cash-to-Debt is 1.18, which is near median its own 10-year median of 1.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale (SCGLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $47.94, compared to a current price of $91.07 — trading 90% above its estimated fair value. The current Cash-to-Debt is 1.18, which is near median its 10-year median of 1.18 and 15.7% below the Banks industry median of 1.40. Societe Generale's overall GF Score™ is 57/100 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 Societe Generale (SCGLF), the current Cash-to-Debt is 1.18 as of Jun. 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 Societe Generale (SCGLF) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Generale stock appears to be overvalued.
The current stock price of $91.07 is trading 90% above its estimated GF Value™ of $47.94.
GuruFocus considers Societe Generale to be Significantly Overvalued.
Key valuation signals for SCGLF:
Cash-to-Debt: 1.18 (near median its 10-year median of 1.18)
GF Value™: $47.94 vs. price of $91.07 (90% above fair value)
Industry Position: 15.7% below the Banks median (#793 of 1484)
No single metric tells the full story. See the SCGLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Société Générale is a diversified European bank whose largest division is its corporate and investment bank, anchored by a well-regarded equity franchise. Its French retail operations include both the traditional branch network and fast-growing digital bank Boursorama. Internationally, Société Générale ranks among the largest banks in the Czech Republic and Romania. It also holds dominant positions in several African markets, though with a smaller earnings contribution. The group is a leading player in vehicle and equipment leasing through ALD Automotive.
57GF Score
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