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What is Standard Chartered Bank Ghana Cash-to-Debt?
Standard Chartered Bank GhanaXGHA:SCB 67 Cash-to-Debt is 3.71 as of Jun. 2026, which is 74% below its 10-year median of 14.13. GuruFocus rates XGHA:SCB with a GF Score™ of 67/100 and a GF Value™ of GHS34.95 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,492 Banks companies, Standard Chartered Bank Ghana ranks better than 81.1% 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. Standard Chartered Bank Ghana's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.71.
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, Standard Chartered 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 Standard Chartered Bank Ghana's Cash-to-Debt or its related term are showing as below:
XGHA:SCB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 3.4 Med: 14.13 Max: 37.39
Current: 7.17
During the past 13 years, Standard Chartered Bank Ghana's highest Cash to Debt Ratio was 37.39. The lowest was 3.40. And the median was 14.13.
XGHA:SCB's Cash-to-Debt is ranked better than 81.1% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs XGHA:SCB: 7.17
Standard Chartered Bank Ghana (XGHA:SCB) 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.
Standard Chartered Bank Ghana Cash-to-Debt Related Terms
Standard Chartered Bank Ghana 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.
Standard Chartered Bank Ghana Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered 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.
Standard Chartered Bank Ghana Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank Ghana's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Standard Chartered 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.
Standard Chartered Bank Ghana (XGHA:SCB) has a Cash-to-Debt of 3.71 as of Jun. 2026. This is 74% below median its historical median of 14.13. Over the past decade, Standard Chartered Bank Ghana's Cash-to-Debt has ranged from 3.40 to 37.39. According to the industry distribution chart, Standard Chartered Bank Ghana ranks #282 out of 1492 companies in the Banks industry, placing it in the top 18.9%.
Is Standard Chartered Bank Ghana's Cash-to-Debt too high?
Standard Chartered Bank Ghana's current Cash-to-Debt of 3.71 is 74% below median its 10-year median of 14.13. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 37.39. The Banks industry median Cash-to-Debt is 1.37. Standard Chartered Bank Ghana's value of 3.71 is 170.8% above this industry median. Based on the distribution chart, Standard Chartered Bank Ghana ranks #282 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Chartered Bank Ghana has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank Ghana ranks #282 out of 1492 companies for Cash-to-Debt. This places Standard Chartered Bank Ghana in the top 19% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. Standard Chartered Bank Ghana's value of 3.71 is 170.8% above this benchmark. Historically, Standard Chartered Bank Ghana's own Cash-to-Debt has ranged from 3.40 to 37.39 over the past decade. While the company's 10-year median is 14.13 vs. the industry median of 1.37, Standard Chartered 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 1.37, based on 1,492 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. Standard Chartered Bank Ghana's current Cash-to-Debt of 3.71 is 170.8% 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank Ghana's current Cash-to-Debt is 3.71, which is 74% below median its own 10-year median of 14.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS34.95, compared to a current price of GHS69.89 — trading 100% above its estimated fair value. The current Cash-to-Debt is 3.71, which is 74% below median its 10-year median of 14.13 and 170.8% above the Banks industry median of 1.37. Standard Chartered Bank Ghana's overall GF Score™ is 67/100 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 Standard Chartered Bank Ghana (XGHA:SCB), the current Cash-to-Debt is 3.71 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued.
The current stock price of GHS69.89 is trading 100% above its estimated GF Value™ of GHS34.95.
GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SCB:
Cash-to-Debt: 3.71 (74% below median its 10-year median of 14.13)
GF Value™: GHS34.95 vs. price of GHS69.89 (100% above fair value)
Industry Position: 170.8% above the Banks median (#282 of 1492)
No single metric tells the full story. See the XGHA:SCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
67GF Score
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