Close Brothers Group (STU:CS3) Cash-to-Debt: (As of Jan. 2026)

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STU:CS3 Close Brothers Group PLC STU:CS3
54 GF Score
Price €4.50
GF Value €4.08
! 2 Warning Signs
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What is Close Brothers Group Cash-to-Debt?

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. Close Brothers Group's cash to debt ratio for the quarter that ended in Jan. 2026 was .

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, Close Brothers Group couldn't pay off its debt using the cash in hand for the quarter that ended in Jan. 2026.

The historical rank and industry rank for Close Brothers Group's Cash-to-Debt or its related term are showing as below:

STU:CS3' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.31   Med: 0.49   Max: 0.88
Current: 0.65

During the past 13 years, Close Brothers Group's highest Cash to Debt Ratio was 0.88. The lowest was 0.31. And the median was 0.49.

STU:CS3's Cash-to-Debt is ranked worse than
69.44% of 1492 companies
in the Banks industry
Industry Median: 1.37 vs STU:CS3: 0.65

Close Brothers Group  (STU:CS3) 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.

Close Brothers Group Cash-to-Debt Related Terms

Close Brothers Group Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for Close Brothers Group'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.

Close Brothers Group Cash-to-Debt Chart

Close Brothers Group Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Cash-to-Debt
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Close Brothers Group Semi-Annual Data
Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
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Close Brothers Group Cash-to-Debt Competitor Comparison

For the Banks - Regional subindustry, Close Brothers Group'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.

Close Brothers Group Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, Close Brothers Group's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Close Brothers Group's Cash-to-Debt falls into.


STU:CS3
54GF Score
Close Brothers Group PLC STU:CS3
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Close Brothers Group Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Close Brothers Group's Cash to Debt Ratio for the fiscal year that ended in Jul. 2025 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=2216.4710584946 / (428.95710104408 + 2468.989200996)
=0.76

Close Brothers Group's Cash to Debt Ratio for the quarter that ended in Jan. 2026 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=1599.6606564956 / (577.43735552473 + 2154.4895977809)
=0.59

* 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.

Is Close Brothers Group (STU:CS3) Overvalued in 2026?

Based on GuruFocus' analysis, Close Brothers Group stock appears to be overvalued. The current stock price of €4.50 is trading 10.3% above its estimated GF Value™ of €4.08.

Key valuation signals for STU:CS3:

  • Cash-to-Debt:
  • GF Value™: €4.08 vs. price of €4.50 (10.3% above fair value)
  • GF Score™: 54/100 with 2 warning signs

No single metric tells the full story. See the STU:CS3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Close Brothers Group Business Description

Address 10 Crown Place, London, GBR, EC2A 4FT
Close Brothers Group PLC is a banking group that provides lending, deposit-taking, and securities trading services. The group mostly offers services to small businesses and individuals in the United Kingdom. Its operating segments are: Commercial, Retail, and Property. Maximum revenue is generated from its Commercial segment, which mainly offers specialist and predominantly secured lending principally to the SME market. The Retail segment provides intermediated finance through motor dealers, motor finance brokers, and insurance brokers, and savings products for individuals and corporates; and the Property segment offers residential development finance to established UK property developers, funding for commercial properties, and bridging and refurbishment loans.
54GF Score

Get the complete analysis for STU:CS3

Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.50
Price
€4.08
GF Value