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Access Bank GhanaXGHA:ACCESS 17 Cash-to-Debt is 4.92 as of Jun. 2026, which is 44% above its 10-year median of 3.42. GuruFocus rates XGHA:ACCESS with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 1,494 Banks companies, Access Bank Ghana ranks better than 76.91% 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. Access Bank Ghana's cash to debt ratio for the quarter that ended in Jun. 2026 was 4.92.
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, Access Bank Ghanacould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Access Bank Ghana's Cash-to-Debt or its related term are showing as below:
XGHA:ACCESS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.18 Med: 3.42 Max: 6.75
Current: 4.92
During the past 11 years, Access Bank Ghana's highest Cash to Debt Ratio was 6.75. The lowest was 1.18. And the median was 3.42.
XGHA:ACCESS's Cash-to-Debt is ranked better than 76.91% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs XGHA:ACCESS: 4.92
Access Bank Ghana (XGHA:ACCESS) 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.
Access Bank Ghana Cash-to-Debt Related Terms
Access Bank Ghana Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Access Bank Ghana'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.
Access Bank Ghana Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Access Bank Ghana'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.
Access Bank Ghana Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Access Bank Ghana's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Access Bank Ghana'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.
Access Bank Ghana (XGHA:ACCESS) has a Cash-to-Debt of 4.92 as of Jun. 2026. This is 44% above median its historical median of 3.42. Over the past decade, Access Bank Ghana's Cash-to-Debt has ranged from 1.18 to 6.75. According to the industry distribution chart, Access Bank Ghana ranks #345 out of 1494 companies in the Banks industry, placing it in the top 23.1%.
Is Access Bank Ghana's Cash-to-Debt too high?
Access Bank Ghana's current Cash-to-Debt of 4.92 is 44% above median its 10-year median of 3.42. Over the past 10 years, this metric has ranged from a low of 1.18 to a high of 6.75. The Banks industry median Cash-to-Debt is 1.38. Access Bank Ghana's value of 4.92 is 256.5% above this industry median. Based on the distribution chart, Access Bank Ghana ranks #345 out of 1494 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Access Bank Ghana has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Access Bank Ghana ranks #345 out of 1494 companies for Cash-to-Debt. This places Access Bank Ghana in the top 23% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.38. Access Bank Ghana's value of 4.92 is 256.5% above this benchmark. Historically, Access Bank Ghana's own Cash-to-Debt has ranged from 1.18 to 6.75 over the past decade. While the company's 10-year median is 3.42 vs. the industry median of 1.38, Access Bank Ghana 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 1,494 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. Access Bank Ghana's current Cash-to-Debt of 4.92 is 256.5% 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. Access Bank Ghana's current Cash-to-Debt is 4.92, which is 44% above median its own 10-year median of 3.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Access Bank Ghana (XGHA:ACCESS) has a current Cash-to-Debt of 4.92. The current Cash-to-Debt is 4.92, which is 44% above median its 10-year median of 3.42 and 256.5% above the Banks industry median of 1.38. Access Bank Ghana's overall GF Score™ is 17/100 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 Access Bank Ghana (XGHA:ACCESS), the current Cash-to-Debt is 4.92 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.
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
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