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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. TISCO Financial Group PCL's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.04.
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, TISCO Financial Group PCLcouldn'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 TISCO Financial Group PCL's Cash-to-Debt or its related term are showing as below:
TSCFY'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.05 Max: 0.92
Current: 0.05
During the past 13 years, TISCO Financial Group PCL's highest Cash to Debt Ratio was 0.92. The lowest was 0.02. And the median was 0.05.
TSCFY's Cash-to-Debt is ranked worse than 96.78% of 1491
companies
in the Banks industry
Industry Median: 1.37
vs TSCFY: 0.05
TISCO Financial Group PCL (OTCPK:TSCFY) 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.
TISCO Financial Group PCL Cash-to-Debt Related Terms
TISCO Financial Group PCL 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.
For the Banks - Regional subindustry, TISCO Financial Group PCL'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.
TISCO Financial Group PCL Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, TISCO Financial Group PCL's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where TISCO Financial Group PCL'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.
TISCO Financial Group PCL (TSCFY) has a Cash-to-Debt of 0.04 as of Jun. 2026. This is 20% below median its historical median of 0.05. Over the past decade, TISCO Financial Group PCL's Cash-to-Debt has ranged from 0.02 to 0.92. According to the industry distribution chart, TISCO Financial Group PCL ranks #1443 out of 1491 companies in the Banks industry, placing it in the top 96.8%.
Is TISCO Financial Group PCL's Cash-to-Debt too high?
TISCO Financial Group PCL's current Cash-to-Debt of 0.04 is 20% below median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.92. The Banks industry median Cash-to-Debt is 1.37. TISCO Financial Group PCL's value of 0.04 is 97.1% below this industry median. Based on the distribution chart, TISCO Financial Group PCL ranks #1443 out of 1491 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, TISCO Financial Group PCL has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does TISCO Financial Group PCL's Cash-to-Debt compare to USB?
According to the Banks industry distribution chart, TISCO Financial Group PCL ranks #1443 out of 1491 companies for Cash-to-Debt. This places TISCO Financial Group PCL in the lower half of its industry. The industry median Cash-to-Debt is 1.37. TISCO Financial Group PCL's value of 0.04 is 97.1% below this benchmark. Historically, TISCO Financial Group PCL's own Cash-to-Debt has ranged from 0.02 to 0.92 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 1.37, TISCO Financial Group PCL 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 1.37, based on 1,491 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. TISCO Financial Group PCL's current Cash-to-Debt of 0.04 is 97.1% 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TISCO Financial Group PCL's current Cash-to-Debt is 0.04, which is 20% below median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TISCO Financial Group PCL stock overvalued right now?
TISCO Financial Group PCL (TSCFY) has a current Cash-to-Debt of 0.04. The stock's GF Value™ is $25.73, compared to a current price of $30.50 — trading 18.5% above its estimated fair value. The current Cash-to-Debt is 0.04, which is 20% below median its 10-year median of 0.05 and 97.1% below the Banks industry median of 1.37. TISCO Financial Group PCL's overall GF Score™ is 65/100 with 7 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 TISCO Financial Group PCL (TSCFY), the current Cash-to-Debt is 0.04 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 TISCO Financial Group PCL (TSCFY) Overvalued in 2026?
Based on GuruFocus' analysis, TISCO Financial Group PCL stock appears to be overvalued.
The current stock price of $30.50 is trading 18.5% above its estimated GF Value™ of $25.73.
Key valuation signals for TSCFY:
Cash-to-Debt: 0.04 (20% below median its 10-year median of 0.05)
GF Value™: $25.73 vs. price of $30.50 (18.5% above fair value)
Industry Position: 97.1% below the Banks median (#1443 of 1491)
No single metric tells the full story. See the TSCFY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TISCO Financial Group Public Company Limited is a Thai financial services holding company whose principal subsidiary, TISCO Bank, operates as a retail and commercial bank. Its core commercial banking business provides deposits, hire purchase and auto loans, mortgages, personal and SME lending, and wealth management services. The group also operates through subsidiaries in securities brokerage and investment banking, asset management and mutual funds, and insurance brokerage, alongside support functions. It serves individual consumers, small and medium-sized enterprises, and institutional clients primarily in Thailand, with a nationwide branch network and digital channels. Revenue is generated mainly from net interest income on its lending and deposit franchise, supplemented by fee and service income from securities, asset management, and insurance-related activities. The group is listed on the Stock Exchange of Thailand.
65GF Score
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