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NLB Banka adXBLB:VBBB-R-A Cash-to-Debt is 3.26 as of Dec. 2025, which is 1% above its 10-year median of 3.24. The stock has 4 warning signs investors should review.
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. NLB Banka ad's cash to debt ratio for the quarter that ended in Dec. 2025 was 3.26.
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, NLB Banka adcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for NLB Banka ad's Cash-to-Debt or its related term are showing as below:
XBLB:VBBB-R-A'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.48 Med: 3.24 Max: 4.48
Current: 3.26
During the past 13 years, NLB Banka ad's highest Cash to Debt Ratio was 4.48. The lowest was 2.48. And the median was 3.24.
XBLB:VBBB-R-A's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.4
vs XBLB:VBBB-R-A: 3.26
NLB Banka ad (XBLB:VBBB-R-A) 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.
NLB Banka ad Cash-to-Debt Related Terms
NLB Banka ad Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for NLB Banka ad'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 Banks - Regional subindustry, NLB Banka ad'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.
NLB Banka ad Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka ad's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where NLB Banka ad'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.
NLB Banka ad (XBLB:VBBB-R-A) has a Cash-to-Debt of 3.26 as of Dec. 2025. This is near median its historical median of 3.24. Over the past decade, NLB Banka ad's Cash-to-Debt has ranged from 2.48 to 4.48.
Is NLB Banka ad's Cash-to-Debt too high?
NLB Banka ad's current Cash-to-Debt of 3.26 is near median its 10-year median of 3.24. Over the past 10 years, this metric has ranged from a low of 2.48 to a high of 4.48. The Banks industry median Cash-to-Debt is 1.40. NLB Banka ad's value of 3.26 is 132.9% above this industry median.
How does NLB Banka ad's Cash-to-Debt compare to competitors?
NLB Banka ad's Cash-to-Debt of 3.26 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.40. NLB Banka ad's value of 3.26 is 132.9% above this benchmark. Historically, NLB Banka ad's own Cash-to-Debt has ranged from 2.48 to 4.48 over the past decade. While the company's 10-year median is 3.24 vs. the industry median of 1.40, NLB Banka ad 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 1.40, based on 1,485 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. NLB Banka ad's current Cash-to-Debt of 3.26 is 132.9% 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 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLB Banka ad's current Cash-to-Debt is 3.26, which is near median its own 10-year median of 3.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current Cash-to-Debt of 3.26. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current Cash-to-Debt is 3.26, which is near median its 10-year median of 3.24 and 132.9% above the Banks industry median of 1.40. 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 NLB Banka ad (XBLB:VBBB-R-A), the current Cash-to-Debt is 3.26 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.
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.
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