Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Julius Baer Gruppe AGXSWX:BAER -0.43%75 Cash-to-Debt is 3.24 as of Jun. 2026, which is 63% below its 10-year median of 8.82. GuruFocus rates XSWX:BAER with a GF Score™ of 75/100 and a GF Value™ of CHF63.58 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,436 Asset Management companies, Julius Baer Gruppe AG ranks worse than 52.51% 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. Julius Baer Gruppe AG's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.24.
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, Julius Baer Gruppe AGcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Julius Baer Gruppe AG's Cash-to-Debt or its related term are showing as below:
XSWX:BAER'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.76 Med: 8.82 Max: 20.59
Current: 3.24
During the past 13 years, Julius Baer Gruppe AG's highest Cash to Debt Ratio was 20.59. The lowest was 2.76. And the median was 8.82.
XSWX:BAER's Cash-to-Debt is ranked worse than 52.51% of 1436
companies
in the Asset Management industry
Industry Median: 5.63
vs XSWX:BAER: 3.24
Julius Baer Gruppe AG (XSWX:BAER) 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.
Julius Baer Gruppe AG Cash-to-Debt Related Terms
Julius Baer Gruppe AG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Julius Baer Gruppe AG'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.
XSWX:BAER vs BLK, BX, KKR: Cash-to-Debt Comparison
For the Asset Management subindustry, Julius Baer Gruppe AG'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.
Julius Baer Gruppe AG Cash-to-Debt vs Asset Management Industry
For the Asset Management industry and Financial Services sector, Julius Baer Gruppe AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Julius Baer Gruppe AG'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.
Julius Baer Gruppe AG (XSWX:BAER) has a Cash-to-Debt of 3.24 as of Jun. 2026. This is 63% below median its historical median of 8.82. Over the past decade, Julius Baer Gruppe AG's Cash-to-Debt has ranged from 2.76 to 20.59. According to the industry distribution chart, Julius Baer Gruppe AG ranks #754 out of 1436 companies in the Asset Management industry, placing it in the top 52.5%.
Is Julius Baer Gruppe AG's Cash-to-Debt too high?
Julius Baer Gruppe AG's current Cash-to-Debt of 3.24 is 63% below median its 10-year median of 8.82. Over the past 10 years, this metric has ranged from a low of 2.76 to a high of 20.59. The Asset Management industry median Cash-to-Debt is 5.63. Julius Baer Gruppe AG's value of 3.24 is 42.5% below this industry median. Based on the distribution chart, Julius Baer Gruppe AG ranks #754 out of 1436 companies in the Asset Management industry, which is below the industry midpoint. Overall, Julius Baer Gruppe AG has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Julius Baer Gruppe AG's Cash-to-Debt compare to BLK and BX?
According to the Asset Management industry distribution chart, Julius Baer Gruppe AG ranks #754 out of 1436 companies for Cash-to-Debt. This places Julius Baer Gruppe AG in the lower half of its industry. The industry median Cash-to-Debt is 5.63. Julius Baer Gruppe AG's value of 3.24 is 42.5% below this benchmark. Historically, Julius Baer Gruppe AG's own Cash-to-Debt has ranged from 2.76 to 20.59 over the past decade. While the company's 10-year median is 8.82 vs. the industry median of 5.63, Julius Baer Gruppe AG has consistently been below 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 an Asset Management company?
The median Cash-to-Debt among Asset Management companies is 5.63, based on 1,436 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. Julius Baer Gruppe AG's current Cash-to-Debt of 3.24 is 42.5% below 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 Asset Management industry, the median Cash-to-Debt is 5.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Julius Baer Gruppe AG's current Cash-to-Debt is 3.24, which is 63% below median its own 10-year median of 8.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Julius Baer Gruppe AG stock overvalued right now?
Based on GuruFocus' analysis, Julius Baer Gruppe AG (XSWX:BAER) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF63.58, compared to a current price of CHF74.48 — trading 17.1% above its estimated fair value. The current Cash-to-Debt is 3.24, which is 63% below median its 10-year median of 8.82 and 42.5% below the Asset Management industry median of 5.63. Julius Baer Gruppe AG's overall GF Score™ is 75/100 with 7 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 Julius Baer Gruppe AG (XSWX:BAER), the current Cash-to-Debt is 3.24 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 Julius Baer Gruppe AG (XSWX:BAER) Overvalued in 2026?
Based on GuruFocus' analysis, Julius Baer Gruppe AG stock appears to be overvalued.
The current stock price of CHF74.48 is trading 17.1% above its estimated GF Value™ of CHF63.58.
GuruFocus considers Julius Baer Gruppe AG to be Modestly Overvalued.
Key valuation signals for XSWX:BAER:
Cash-to-Debt: 3.24 (63% below median its 10-year median of 8.82)
GF Value™: CHF63.58 vs. price of CHF74.48 (17.1% above fair value)
Industry Position: 42.5% below the Asset Management median (#754 of 1436)
No single metric tells the full story. See the XSWX:BAER stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Julius Baer was founded in 1890 and expanded significantly in 2005 when it acquired three Swiss private banks and Global Asset Management from its far larger Swiss rival, UBS. In 2009, Baer spun off GAM as a separately listed firm. The acquisition of Merrill Lynch's wealth management operations outside of the US in 2012 increased Baer's assets under management by 40% and increased its footprint outside of Europe. Julius Baer is currently the largest pure-play private bank globally Baer provides private banking services principally to individuals in Switzerland and Europe and increasingly in Asia and other emerging markets.
75GF Score
Get the complete analysis for XSWX:BAER
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:BAER has been successfully added to your 
