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Swvl HoldingsSWVL +37.44%54 Cash-to-Debt is 2.28 as of Dec. 2025, which is 29% below its 10-year median of 3.20. GuruFocus rates SWVL with a GF Score™ of 54/100 and a GF Value™ of $3.17 (Fairly Valued). The stock has 3 warning signs investors should review. Among 999 Transportation companies, Swvl Holdings ranks better than 78.58% 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. Swvl Holdings's cash to debt ratio for the quarter that ended in Dec. 2025 was 2.28.
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, Swvl Holdingscould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Swvl Holdings's Cash-to-Debt or its related term are showing as below:
SWVL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.25 Med: 3.2 Max: 131.03
Current: 2.28
During the past 8 years, Swvl Holdings's highest Cash to Debt Ratio was 131.03. The lowest was 0.25. And the median was 3.20.
SWVL's Cash-to-Debt is ranked better than 78.58% of 999
companies
in the Transportation industry
Industry Median: 0.47
vs SWVL: 2.28
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.
Swvl Holdings Cash-to-Debt Related Terms
Swvl Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Swvl Holdings'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.
For the Railroads subindustry, Swvl Holdings'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.
Swvl Holdings Cash-to-Debt vs Transportation Industry
For the Transportation industry and Industrials sector, Swvl Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Swvl Holdings'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.
Swvl Holdings (SWVL) has a Cash-to-Debt of 2.28 as of Dec. 2025. This is 29% below median its historical median of 3.20. Over the past decade, Swvl Holdings' Cash-to-Debt has ranged from 0.25 to 131.03. According to the industry distribution chart, Swvl Holdings ranks #214 out of 999 companies in the Transportation industry, placing it in the top 21.4%.
Is Swvl Holdings' Cash-to-Debt too high?
Swvl Holdings' current Cash-to-Debt of 2.28 is 29% below median its 10-year median of 3.20. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 131.03. The Transportation industry median Cash-to-Debt is 0.47. Swvl Holdings' value of 2.28 is 385.1% above this industry median. Based on the distribution chart, Swvl Holdings ranks #214 out of 999 companies in the Transportation industry, which is in the top quartile — a strong position relative to peers. Overall, Swvl Holdings has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Swvl Holdings' Cash-to-Debt compare to RVSN and PNYG?
According to the Transportation industry distribution chart, Swvl Holdings ranks #214 out of 999 companies for Cash-to-Debt. This places Swvl Holdings in the top 21% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.47. Swvl Holdings' value of 2.28 is 385.1% above this benchmark. Historically, Swvl Holdings' own Cash-to-Debt has ranged from 0.25 to 131.03 over the past decade. While the company's 10-year median is 3.20 vs. the industry median of 0.47, Swvl Holdings has consistently been above 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 Transportation company?
The median Cash-to-Debt among Transportation companies is 0.47, based on 999 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. Swvl Holdings's current Cash-to-Debt of 2.28 is 385.1% above 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 Transportation industry, the median Cash-to-Debt is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swvl Holdings's current Cash-to-Debt is 2.28, which is 29% below median its own 10-year median of 3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swvl Holdings stock overvalued right now?
Based on GuruFocus' analysis, Swvl Holdings (SWVL) is currently considered Fairly Valued. The stock's GF Value™ is $3.17, compared to a current price of $3.15 — trading 0.6% below its estimated fair value. The current Cash-to-Debt is 2.28, which is 29% below median its 10-year median of 3.20 and 385.1% above the Transportation industry median of 0.47. Swvl Holdings' overall GF Score™ is 54/100 with 3 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 Swvl Holdings (SWVL), the current Cash-to-Debt is 2.28 as of Dec. 2025. 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 Swvl Holdings (SWVL) Overvalued in 2026?
Based on GuruFocus' analysis, Swvl Holdings stock appears to be undervalued.
The current stock price of $3.15 is trading 0.6% below its estimated GF Value™ of $3.17.
GuruFocus considers Swvl Holdings to be Fairly Valued.
Key valuation signals for SWVL:
Cash-to-Debt: 2.28 (29% below median its 10-year median of 3.20)
GF Value™: $3.17 vs. price of $3.15 (0.6% below fair value)
Industry Position: 385.1% above the Transportation median (#214 of 999)
No single metric tells the full story. See the SWVL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swvl Holdings Corp is a technology-driven mobility company providing mass transit solutions. It currently has two offerings: business-to-consumer (B2C) and B2B (marketed as Swvl Business). The company's B2C business utilizes its platform to provide riders with a network of minibuses and other vehicles that operate on fixed and semi-fixed routes throughout and between different cities. Riders can book available seats on vehicles to commute within a city. The Swvl Business caters to corporate customers (as well as schools and municipalities), providing them with transportation solutions for their employees and students. This business also offers transportation management software to clients who operate their own fleet. Geographically, the company generates maximum revenue from Egypt.
54GF Score
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