ChallengerASX:CGF +1.57%58 Net Debt Paydown Yield % is -12.01% as of Jul. 04, 2026. GuruFocus rates ASX:CGF with a GF Score™ of 58/100 and a GF Value™ of A$4.00 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 424 Insurance companies, Challenger ranks worse than 93.16% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Challenger's Net Debt Paydown Yield % was -12.01%.
Challenger (ASX:CGF) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Challenger Net Debt Paydown Yield % Historical Data
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The historical data trend for Challenger's Net Debt Paydown Yield % 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.
ASX:CGF vs AFL, MET, PRU: Net Debt Paydown Yield % Comparison
For the Insurance - Life subindustry, Challenger's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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.
Challenger Net Debt Paydown Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Challenger's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Challenger's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -12.01% mean?
Challenger (ASX:CGF) has a Net Debt Paydown Yield % of -12.01% as of Jul. 04, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Challenger and its competitors. According to the industry distribution chart, Challenger ranks #395 out of 424 companies in the Insurance industry, placing it in the top 93.2%.
Is Challenger's Net Debt Paydown Yield % too high?
Challenger's current Net Debt Paydown Yield % is -12.01%. Based on the distribution chart, Challenger ranks #395 out of 424 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Challenger has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Challenger's Net Debt Paydown Yield % compare to AFL and MET?
According to the Insurance industry distribution chart, Challenger ranks #395 out of 424 companies for Net Debt Paydown Yield %. This places Challenger in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for an Insurance company?
A good Net Debt Paydown Yield % depends on the Insurance industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Challenger and its competitors. Challenger's current Net Debt Paydown Yield % is -12.01%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Challenger stock overvalued right now?
Based on GuruFocus' analysis, Challenger (ASX:CGF) is currently considered Significantly Overvalued. The stock's GF Value™ is A$4.00, compared to a current price of A$10.33 — trading 158.3% above its estimated fair value. The current Net Debt Paydown Yield % is -12.01%. Challenger's overall GF Score™ is 58/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Challenger (ASX:CGF), the current Net Debt Paydown Yield % is -12.01% as of Jul. 04, 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 Challenger (ASX:CGF) Overvalued in 2026?
Based on GuruFocus' analysis, Challenger stock appears to be overvalued.
The current stock price of A$10.33 is trading 158.3% above its estimated GF Value™ of A$4.00.
GuruFocus considers Challenger to be Significantly Overvalued.
Key valuation signals for ASX:CGF:
Net Debt Paydown Yield %: -12.01%
GF Value™: A$4.00 vs. price of A$10.33 (158.3% above fair value)
No single metric tells the full story. See the ASX:CGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Challenger's core business is selling annuity products in the Australian retirement market and, since November 2016, selling Australian dollar-denominated annuities into Japan's large retirement market. The firm's annuity products provide investors guaranteed regular payments over an agreed term for an upfront lump sum investment and is designed primarily to protect investors from the longevity risk of outliving their savings. Challenger also operates a funds management business, Fidante Partners, which has minority stakes in several boutique global investment managers, and Challenger Investment Management, which primarily manages investments supporting its annuities business.
58GF Score
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