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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. Asia Commercial Joint Stock Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.53.
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, Asia Commercial Joint Stock Bankcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Asia Commercial Joint Stock Bank's Cash-to-Debt or its related term are showing as below:
STC:ACB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.53 Med: 1.76 Max: 3.84
Current: 0.53
During the past 13 years, Asia Commercial Joint Stock Bank's highest Cash to Debt Ratio was 3.84. The lowest was 0.53. And the median was 1.76.
STC:ACB's Cash-to-Debt is ranked worse than 73.63% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs STC:ACB: 0.53
Asia Commercial Joint Stock Bank (STC:ACB) 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.
Asia Commercial Joint Stock Bank Cash-to-Debt Related Terms
Asia Commercial Joint Stock Bank 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.
Asia Commercial Joint Stock Bank Cash-to-Debt Chart
Asia Commercial Joint Stock Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank'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.
Asia Commercial Joint Stock Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock Bank'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.
Asia Commercial Joint Stock Bank (STC:ACB) has a Cash-to-Debt of 0.53 as of Jun. 2026. This is 70% below median its historical median of 1.76. Over the past decade, Asia Commercial Joint Stock Bank's Cash-to-Debt has ranged from 0.53 to 3.84. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #1100 out of 1494 companies in the Banks industry, placing it in the top 73.6%.
Is Asia Commercial Joint Stock Bank's Cash-to-Debt too high?
Asia Commercial Joint Stock Bank's current Cash-to-Debt of 0.53 is 70% below median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 3.84. The Banks industry median Cash-to-Debt is 1.38. Asia Commercial Joint Stock Bank's value of 0.53 is 61.6% below this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #1100 out of 1494 companies in the Banks industry, which is below the industry midpoint. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #1100 out of 1494 companies for Cash-to-Debt. This places Asia Commercial Joint Stock Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Asia Commercial Joint Stock Bank's value of 0.53 is 61.6% below this benchmark. Historically, Asia Commercial Joint Stock Bank's own Cash-to-Debt has ranged from 0.53 to 3.84 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 1.38, Asia Commercial Joint Stock Bank 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 1.38, based on 1,494 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. Asia Commercial Joint Stock Bank's current Cash-to-Debt of 0.53 is 61.6% 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 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Commercial Joint Stock Bank's current Cash-to-Debt is 0.53, which is 70% below median its own 10-year median of 1.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫21,048.33, compared to a current price of ₫22,250.00 — trading 5.7% above its estimated fair value. The current Cash-to-Debt is 0.53, which is 70% below median its 10-year median of 1.76 and 61.6% below the Banks industry median of 1.38. Asia Commercial Joint Stock Bank's overall GF Score™ is 72/100 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 Asia Commercial Joint Stock Bank (STC:ACB), the current Cash-to-Debt is 0.53 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,250.00 is trading 5.7% above its estimated GF Value™ of ₫21,048.33.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
Cash-to-Debt: 0.53 (70% below median its 10-year median of 1.76)
GF Value™: ₫21,048.33 vs. price of ₫22,250.00 (5.7% above fair value)
Industry Position: 61.6% below the Banks median (#1100 of 1494)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
72GF Score
Get the complete analysis for STC:ACB
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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