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EVN Finance JSCSTC:EVF +0.85%61 Cash-to-Debt is 0.12 as of Jun. 2026, which is 61% below its 10-year median of 0.31. GuruFocus rates STC:EVF with a GF Score™ of 61/100 and a GF Value™ of ₫8,539.27 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 552 Diversified Financial Services companies, EVN Finance JSC ranks worse than 88.04% 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. EVN Finance JSC's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.12.
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, EVN Finance JSCcouldn'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 EVN Finance JSC's Cash-to-Debt or its related term are showing as below:
STC:EVF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14 Med: 0.31 Max: 0.79
Current: 0.14
During the past 9 years, EVN Finance JSC's highest Cash to Debt Ratio was 0.79. The lowest was 0.14. And the median was 0.31.
STC:EVF's Cash-to-Debt is ranked worse than 88.04% of 552
companies
in the Diversified Financial Services industry
Industry Median: 9.045
vs STC:EVF: 0.14
EVN Finance JSC (STC:EVF) 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.
EVN Finance JSC Cash-to-Debt Related Terms
EVN Finance JSC Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for EVN Finance JSC'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.
STC:EVF vs FRHC, VOYA, HTH: Cash-to-Debt Comparison
For the Financial Conglomerates subindustry, EVN Finance JSC'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.
EVN Finance JSC Cash-to-Debt vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where EVN Finance JSC'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.
EVN Finance JSC (STC:EVF) has a Cash-to-Debt of 0.12 as of Jun. 2026. This is 61% below median its historical median of 0.31. Over the past decade, EVN Finance JSC's Cash-to-Debt has ranged from 0.14 to 0.79. According to the industry distribution chart, EVN Finance JSC ranks #486 out of 552 companies in the Diversified Financial Services industry, placing it in the top 88%.
Is EVN Finance JSC's Cash-to-Debt too high?
EVN Finance JSC's current Cash-to-Debt of 0.12 is 61% below median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.79. The Diversified Financial Services industry median Cash-to-Debt is 9.05. EVN Finance JSC's value of 0.12 is 98.7% below this industry median. Based on the distribution chart, EVN Finance JSC ranks #486 out of 552 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, EVN Finance JSC has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Cash-to-Debt compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #486 out of 552 companies for Cash-to-Debt. This places EVN Finance JSC in the lower half of its industry. The industry median Cash-to-Debt is 9.05. EVN Finance JSC's value of 0.12 is 98.7% below this benchmark. Historically, EVN Finance JSC's own Cash-to-Debt has ranged from 0.14 to 0.79 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 9.05, EVN Finance JSC 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 Diversified Financial Services company?
The median Cash-to-Debt among Diversified Financial Services companies is 9.05, based on 552 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. EVN Finance JSC's current Cash-to-Debt of 0.12 is 98.7% 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 Diversified Financial Services industry, the median Cash-to-Debt is 9.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Cash-to-Debt is 0.12, which is 61% below median its own 10-year median of 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫8,539.27, compared to a current price of ₫11,800.00 — trading 38.2% above its estimated fair value. The current Cash-to-Debt is 0.12, which is 61% below median its 10-year median of 0.31 and 98.7% below the Diversified Financial Services industry median of 9.05. EVN Finance JSC's overall GF Score™ is 61/100 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 EVN Finance JSC (STC:EVF), the current Cash-to-Debt is 0.12 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be overvalued.
The current stock price of ₫11,800.00 is trading 38.2% above its estimated GF Value™ of ₫8,539.27.
GuruFocus considers EVN Finance JSC to be Significantly Overvalued.
Key valuation signals for STC:EVF:
Cash-to-Debt: 0.12 (61% below median its 10-year median of 0.31)
GF Value™: ₫8,539.27 vs. price of ₫11,800.00 (38.2% above fair value)
Industry Position: 98.7% below the Diversified Financial Services median (#486 of 552)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
61GF Score
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