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Valiant Holding AGVALIF 66 Cash-to-Debt is 0.39 as of Jun. 2026, which is 15% below its 10-year median of 0.46. GuruFocus rates VALIF with a GF Score™ of 66/100 and a GF Value™ of $86.36. The stock has 2 warning signs investors should review. Among 1,486 Banks companies, Valiant Holding AG ranks worse than 80.01% 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. Valiant Holding AG's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.39.
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, Valiant Holding AGcouldn'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 Valiant Holding AG's Cash-to-Debt or its related term are showing as below:
VALIF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.34 Med: 0.46 Max: 0.89
Current: 0.39
During the past 13 years, Valiant Holding AG's highest Cash to Debt Ratio was 0.89. The lowest was 0.34. And the median was 0.46.
VALIF's Cash-to-Debt is ranked worse than 80.01% of 1486
companies
in the Banks industry
Industry Median: 1.37
vs VALIF: 0.39
Valiant Holding AG (OTCPK:VALIF) 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.
Valiant Holding AG Cash-to-Debt Related Terms
Valiant Holding AG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Valiant Holding AG'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.
Valiant Holding AG Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Valiant Holding AG'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.
Valiant Holding AG Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Valiant Holding AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Valiant Holding AG'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.
Valiant Holding AG (VALIF) has a Cash-to-Debt of 0.39 as of Jun. 2026. This is 15% below median its historical median of 0.46. Over the past decade, Valiant Holding AG's Cash-to-Debt has ranged from 0.34 to 0.89. According to the industry distribution chart, Valiant Holding AG ranks #1189 out of 1486 companies in the Banks industry, placing it in the top 80%.
Is Valiant Holding AG's Cash-to-Debt too high?
Valiant Holding AG's current Cash-to-Debt of 0.39 is 15% below median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.89. The Banks industry median Cash-to-Debt is 1.37. Valiant Holding AG's value of 0.39 is 71.5% below this industry median. Based on the distribution chart, Valiant Holding AG ranks #1189 out of 1486 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Valiant Holding AG has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Valiant Holding AG's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Valiant Holding AG ranks #1189 out of 1486 companies for Cash-to-Debt. This places Valiant Holding AG in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Valiant Holding AG's value of 0.39 is 71.5% below this benchmark. Historically, Valiant Holding AG's own Cash-to-Debt has ranged from 0.34 to 0.89 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 1.37, Valiant Holding AG 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 1,486 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. Valiant Holding AG's current Cash-to-Debt of 0.39 is 71.5% 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. Valiant Holding AG's current Cash-to-Debt is 0.39, which is 15% below median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Valiant Holding AG stock overvalued right now?
Valiant Holding AG (VALIF) has a current Cash-to-Debt of 0.39. The stock's GF Value™ is $86.36, compared to a current price of $118.35 — trading 37% above its estimated fair value. The current Cash-to-Debt is 0.39, which is 15% below median its 10-year median of 0.46 and 71.5% below the Banks industry median of 1.37. Valiant Holding AG's overall GF Score™ is 66/100 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 Valiant Holding AG (VALIF), the current Cash-to-Debt is 0.39 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 Valiant Holding AG (VALIF) Overvalued in 2026?
Based on GuruFocus' analysis, Valiant Holding AG stock appears to be overvalued.
The current stock price of $118.35 is trading 37% above its estimated GF Value™ of $86.36.
Key valuation signals for VALIF:
Cash-to-Debt: 0.39 (15% below median its 10-year median of 0.46)
GF Value™: $86.36 vs. price of $118.35 (37% above fair value)
Industry Position: 71.5% below the Banks median (#1189 of 1486)
No single metric tells the full story. See the VALIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Valiant Holding AG is an independent retail and SME bank that offers banking and financial services to clients. It caters to the following client segments: private clients, affluent private clients, self-employed individuals and small companies, and medium-sized companies. The products and services of the Group encompass mobile banking, payment solution Twint, savings accounts, retirement planning solutions, payments, investing, financing products, advisory services, and customized investment solutions.
66GF Score
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