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SJ Group JSCSTC:SJS 82 Cash-to-Debt is 0.06 as of Mar. 2026, which is 63% below its 10-year median of 0.16. GuruFocus rates STC:SJS with a GF Score™ of 82/100 and a GF Value™ of ₫64,972.58 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,747 Real Estate companies, SJ Group JSC ranks worse than 80.54% 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. SJ Group JSC's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.06.
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, SJ Group JSCcouldn'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 SJ Group JSC's Cash-to-Debt or its related term are showing as below:
STC:SJS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.16 Max: 0.53
Current: 0.06
During the past 13 years, SJ Group JSC's highest Cash to Debt Ratio was 0.53. The lowest was 0.04. And the median was 0.16.
STC:SJS's Cash-to-Debt is ranked worse than 80.54% of 1747
companies
in the Real Estate industry
Industry Median: 0.26
vs STC:SJS: 0.06
SJ Group JSC (STC:SJS) 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.
SJ Group JSC Cash-to-Debt Related Terms
SJ Group JSC Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for SJ Group 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:SJS vs CBRE, BEKE, JLL: Cash-to-Debt Comparison
For the Real Estate Services subindustry, SJ Group 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.
SJ Group JSC Cash-to-Debt vs Real Estate Industry
For the Real Estate industry and Real Estate sector, SJ Group JSC's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where SJ Group 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.
SJ Group JSC (STC:SJS) has a Cash-to-Debt of 0.06 as of Mar. 2026. This is 63% below median its historical median of 0.16. Over the past decade, SJ Group JSC's Cash-to-Debt has ranged from 0.04 to 0.53. According to the industry distribution chart, SJ Group JSC ranks #1407 out of 1747 companies in the Real Estate industry, placing it in the top 80.5%.
Is SJ Group JSC's Cash-to-Debt too high?
SJ Group JSC's current Cash-to-Debt of 0.06 is 63% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.53. The Real Estate industry median Cash-to-Debt is 0.26. SJ Group JSC's value of 0.06 is 76.9% below this industry median. Based on the distribution chart, SJ Group JSC ranks #1407 out of 1747 companies in the Real Estate industry, which is in the bottom quartile relative to peers. Overall, SJ Group JSC has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SJ Group JSC's Cash-to-Debt compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, SJ Group JSC ranks #1407 out of 1747 companies for Cash-to-Debt. This places SJ Group JSC in the lower half of its industry. The industry median Cash-to-Debt is 0.26. SJ Group JSC's value of 0.06 is 76.9% below this benchmark. Historically, SJ Group JSC's own Cash-to-Debt has ranged from 0.04 to 0.53 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.26, SJ Group 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 Real Estate company?
The median Cash-to-Debt among Real Estate companies is 0.26, based on 1,747 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. SJ Group JSC's current Cash-to-Debt of 0.06 is 76.9% 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 Real Estate industry, the median Cash-to-Debt is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SJ Group JSC's current Cash-to-Debt is 0.06, which is 63% below median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJ Group JSC stock overvalued right now?
Based on GuruFocus' analysis, SJ Group JSC (STC:SJS) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫64,972.58, compared to a current price of ₫47,200.00 — trading 27.4% below its estimated fair value. The current Cash-to-Debt is 0.06, which is 63% below median its 10-year median of 0.16 and 76.9% below the Real Estate industry median of 0.26. SJ Group JSC's overall GF Score™ is 82/100 with 5 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 SJ Group JSC (STC:SJS), the current Cash-to-Debt is 0.06 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 SJ Group JSC (STC:SJS) Overvalued in 2026?
Based on GuruFocus' analysis, SJ Group JSC stock appears to be undervalued.
The current stock price of ₫47,200.00 is trading 27.4% below its estimated GF Value™ of ₫64,972.58.
GuruFocus considers SJ Group JSC to be Modestly Undervalued.
Key valuation signals for STC:SJS:
Cash-to-Debt: 0.06 (63% below median its 10-year median of 0.16)
GF Value™: ₫64,972.58 vs. price of ₫47,200.00 (27.4% below fair value)
Industry Position: 76.9% below the Real Estate median (#1407 of 1747)
No single metric tells the full story. See the STC:SJS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SJ Group JSC is one of the leading enterprises investing, developing and trading in residential real estate, urban areas, and resort tourism and has the most experience and reputation in Vietnam.
82GF Score
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