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AXAXSWX:CS 68 Cash-to-Debt is 0.26 as of Jun. 2026, which is 35% below its 10-year median of 0.40. GuruFocus rates XSWX:CS with a GF Score™ of 68/100 and a GF Value™ of CHF39.77 (Fairly Valued). The stock has 5 warning signs investors should review. Among 504 Insurance companies, AXA ranks worse than 86.11% 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. AXA's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.26.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, AXAcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for AXA's Cash-to-Debt or its related term are showing as below:
XSWX:CS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26 Med: 0.4 Max: 0.52
Current: 0.26
During the past 13 years, AXA's highest Cash to Debt Ratio was 0.52. The lowest was 0.26. And the median was 0.40.
XSWX:CS's Cash-to-Debt is ranked worse than 86.11% of 504
companies
in the Insurance industry
Industry Median: 2.01
vs XSWX:CS: 0.26
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.
AXA Cash-to-Debt Related Terms
AXA Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for AXA'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:CS vs BRK.A, AIG, HIG: Cash-to-Debt Comparison
For the Insurance - Diversified subindustry, AXA'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.
AXA Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, AXA's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where AXA'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.
AXA (XSWX:CS) has a Cash-to-Debt of 0.26 as of Jun. 2026. This is 35% below median its historical median of 0.40. Over the past decade, AXA's Cash-to-Debt has ranged from 0.26 to 0.52. According to the industry distribution chart, AXA ranks #434 out of 504 companies in the Insurance industry, placing it in the top 86.1%.
Is AXA's Cash-to-Debt too high?
AXA's current Cash-to-Debt of 0.26 is 35% below median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.52. The Insurance industry median Cash-to-Debt is 2.01. AXA's value of 0.26 is 87.1% below this industry median. Based on the distribution chart, AXA ranks #434 out of 504 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, AXA has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AXA's Cash-to-Debt compare to BRK.A and AIG?
According to the Insurance industry distribution chart, AXA ranks #434 out of 504 companies for Cash-to-Debt. This places AXA in the lower half of its industry. The industry median Cash-to-Debt is 2.01. AXA's value of 0.26 is 87.1% below this benchmark. Historically, AXA's own Cash-to-Debt has ranged from 0.26 to 0.52 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 2.01, AXA 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 Insurance company?
The median Cash-to-Debt among Insurance companies is 2.01, based on 504 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. AXA's current Cash-to-Debt of 0.26 is 87.1% 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 Insurance industry, the median Cash-to-Debt is 2.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AXA's current Cash-to-Debt is 0.26, which is 35% below median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AXA stock overvalued right now?
Based on GuruFocus' analysis, AXA (XSWX:CS) is currently considered Fairly Valued. The stock's GF Value™ is CHF39.77, compared to a current price of CHF40.69 — trading 2.3% above its estimated fair value. The current Cash-to-Debt is 0.26, which is 35% below median its 10-year median of 0.40 and 87.1% below the Insurance industry median of 2.01. AXA's overall GF Score™ is 68/100 with 5 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 AXA (XSWX:CS), the current Cash-to-Debt is 0.26 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 AXA (XSWX:CS) Overvalued in 2026?
Based on GuruFocus' analysis, AXA stock appears to be overvalued.
The current stock price of CHF40.69 is trading 2.3% above its estimated GF Value™ of CHF39.77.
GuruFocus considers AXA to be Fairly Valued.
Key valuation signals for XSWX:CS:
Cash-to-Debt: 0.26 (35% below median its 10-year median of 0.40)
GF Value™: CHF39.77 vs. price of CHF40.69 (2.3% above fair value)
Industry Position: 87.1% below the Insurance median (#434 of 504)
No single metric tells the full story. See the XSWX:CS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AXA's origins date back to Ancienne Mutuelle, one of the few insurers that remained after the creation of the French social security system. With the threat of nationalization, a merger took place between Drouot and AXA, which was then still known as Mutuelles Unies in 1982, and later Présence. Ten years later, AXA acquired North American life insurer Equitable Holdings. This was a time of expansion as AXA also bought the French insurer UAP. As markets crashed at the turn of the millennium, AXA decided to refocus its business and exited its stake in US investment bank Donaldson, Lufkin & Jenrette. A few years later, the business expanded again with the acquisition of Swiss insurer Winterthur. AXA has reshaped its portfolio to technical risks.
68GF Score
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