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Linea Directa AseguradoraXMAD:LDA -3.24%75 Cash-to-Debt is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates XMAD:LDA with a GF Score™ of 75/100 and a GF Value™ of €1.30 (Fairly Valued). The stock has 1 warning sign investors should review. Among 496 Insurance companies, Linea Directa Aseguradora ranks better than 99.4% 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. Linea Directa Aseguradora's cash to debt ratio for the quarter that ended in Jun. 2026 was No Debt (1).
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, Linea Directa Aseguradoracould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
(1) 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.
The historical rank and industry rank for Linea Directa Aseguradora's Cash-to-Debt or its related term are showing as below:
XMAD:LDA'
s Cash-to-Debt Range Over the Past 10 Years
Min: 14.91 Med: No Debt Max: No Debt
Current: No Debt
During the past 6 years, Linea Directa Aseguradora's highest Cash to Debt Ratio was No Debt. The lowest was 14.91. And the median was No Debt.
XMAD:LDA's Cash-to-Debt is ranked better than 99.4% of 496
companies
in the Insurance industry
Industry Median: 2.115
vs XMAD:LDA: No Debt
Linea Directa Aseguradora (XMAD:LDA) 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.
Linea Directa Aseguradora Cash-to-Debt Related Terms
Linea Directa Aseguradora 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.
For the Insurance - Property & Casualty subindustry, Linea Directa Aseguradora'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.
Linea Directa Aseguradora Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora's Cash-to-Debt falls into.
Linea Directa Aseguradora's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
Linea Directa Aseguradora had no debt (1).
Linea Directa Aseguradora's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:
Linea Directa Aseguradora had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Linea Directa Aseguradora (XMAD:LDA) has a Cash-to-Debt of No Debt (1) as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Linea Directa Aseguradora's Cash-to-Debt has ranged from 14.91 to 10,000.00. According to the industry distribution chart, Linea Directa Aseguradora ranks #3 out of 496 companies in the Insurance industry, placing it in the top 0.59999999999999%.
Is Linea Directa Aseguradora's Cash-to-Debt too high?
Linea Directa Aseguradora's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 14.91 to a high of 10,000.00. Based on the distribution chart, Linea Directa Aseguradora ranks #3 out of 496 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Linea Directa Aseguradora has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's Cash-to-Debt compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #3 out of 496 companies for Cash-to-Debt. This places Linea Directa Aseguradora in the top 1% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.12. Historically, Linea Directa Aseguradora's own Cash-to-Debt has ranged from 14.91 to 10,000.00 over the past decade. 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 an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.12, based on 496 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. 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 Insurance industry, the median Cash-to-Debt is 2.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Linea Directa Aseguradora's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Based on GuruFocus' analysis, Linea Directa Aseguradora (XMAD:LDA) is currently considered Fairly Valued. The stock's GF Value™ is €1.30, compared to a current price of €1.31 — trading 1.1% above its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Linea Directa Aseguradora's overall GF Score™ is 75/100 with 1 warning sign 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 Linea Directa Aseguradora (XMAD:LDA), the current Cash-to-Debt is No Debt (1) 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 Linea Directa Aseguradora (XMAD:LDA) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be overvalued.
The current stock price of €1.31 is trading 1.1% above its estimated GF Value™ of €1.30.
GuruFocus considers Linea Directa Aseguradora to be Fairly Valued.
Key valuation signals for XMAD:LDA:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: €1.30 vs. price of €1.31 (1.1% above fair value)
No single metric tells the full story. See the XMAD:LDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
75GF Score
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