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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. UniCredit Bank DD's cash to debt ratio for the quarter that ended in Dec. 2025 was 6.13.
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, UniCredit Bank DDcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for UniCredit Bank DD's Cash-to-Debt or its related term are showing as below:
XBLB:NBLB-R-B'
s Cash-to-Debt Range Over the Past 10 Years
Min: 5.76 Med: 41.49 Max: 85.73
Current: 6.13
During the past 13 years, UniCredit Bank DD's highest Cash to Debt Ratio was 85.73. The lowest was 5.76. And the median was 41.49.
XBLB:NBLB-R-B's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.38
vs XBLB:NBLB-R-B: 6.13
UniCredit Bank DD (XBLB:NBLB-R-B) 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.
UniCredit Bank DD Cash-to-Debt Related Terms
UniCredit Bank DD Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD'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.
XBLB:NBLB-R-B vs PNC, USB: Cash-to-Debt Comparison
For the Banks - Regional subindustry, UniCredit Bank DD'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.
UniCredit Bank DD Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD'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.
UniCredit Bank DD (XBLB:NBLB-R-B) has a Cash-to-Debt of 6.13 as of Dec. 2025. This is 85% below median its historical median of 41.49. Over the past decade, UniCredit Bank DD's Cash-to-Debt has ranged from 5.76 to 85.73.
Is UniCredit Bank DD's Cash-to-Debt too high?
UniCredit Bank DD's current Cash-to-Debt of 6.13 is 85% below median its 10-year median of 41.49. Over the past 10 years, this metric has ranged from a low of 5.76 to a high of 85.73. The Banks industry median Cash-to-Debt is 1.38. UniCredit Bank DD's value of 6.13 is 344.2% above this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's Cash-to-Debt compare to PNC and USB?
UniCredit Bank DD's Cash-to-Debt of 6.13 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.38. UniCredit Bank DD's value of 6.13 is 344.2% above this benchmark. Historically, UniCredit Bank DD's own Cash-to-Debt has ranged from 5.76 to 85.73 over the past decade. While the company's 10-year median is 41.49 vs. the industry median of 1.38, UniCredit Bank DD 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 Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,497 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. UniCredit Bank DD's current Cash-to-Debt of 6.13 is 344.2% 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 Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UniCredit Bank DD's current Cash-to-Debt is 6.13, which is 85% below median its own 10-year median of 41.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current Cash-to-Debt of 6.13. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current Cash-to-Debt is 6.13, which is 85% below median its 10-year median of 41.49 and 344.2% above the Banks industry median of 1.38. UniCredit Bank DD's overall GF Score™ is 4/100 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current Cash-to-Debt is 6.13 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
Cash-to-Debt: 6.13 (85% below median its 10-year median of 41.49)
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
4GF Score
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