Personal Group Holdings (AQSE:PGH.GB) Cash-to-Debt : 15.54 (As of Dec. 2023)

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What is Personal Group Holdings Cash-to-Debt?

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. Personal Group Holdings's cash to debt ratio for the quarter that ended in Dec. 2023 was 15.54.

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, Personal Group Holdings could pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for Personal Group Holdings's Cash-to-Debt or its related term are showing as below:

AQSE:PGH.GB' s Cash-to-Debt Range Over the Past 10 Years
Min: 15.54 Med: 51.9 Max: No Debt
Current: 15.54

During the past 13 years, Personal Group Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 15.54. And the median was 51.90.

AQSE:PGH.GB's Cash-to-Debt is ranked better than
71.9% of 484 companies
in the Insurance industry
Industry Median: 1.86 vs AQSE:PGH.GB: 15.54

Personal Group Holdings Cash-to-Debt Historical Data

The historical data trend for Personal Group Holdings'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.

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Personal Group Holdings Cash-to-Debt Chart

Personal Group Holdings Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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22.05

26.81

42.81

61.00

15.54

Personal Group Holdings Semi-Annual Data
	Jun14	Dec14	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
Cash-to-Debt	Get a 7-Day Free Trial															42.81	No Debt	61.00	No Debt	15.54

Competitive Comparison of Personal Group Holdings's Cash-to-Debt

For the Insurance - Property & Casualty subindustry, Personal Group Holdings'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.

Personal Group Holdings's Cash-to-Debt Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Personal Group Holdings's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Personal Group Holdings's Cash-to-Debt falls into.

Personal Group Holdings Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Personal Group Holdings's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	17.497	/	(0.559	+	0.567)
	=	15.54

Personal Group Holdings's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	17.497	/	(0.559	+	0.567)
	=	15.54

Personal Group Holdings (AQSE:PGH.GB) 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.

Personal Group Holdings Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Personal Group Holdings's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Personal Group Holdings (AQSE:PGH.GB) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Personal Group Holdings PLC (AQSE:PGH.GB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

PGH:UK

Address

899 Silbury Boulevard, John Ormond House, Milton Keynes, GBR, MK9 3XL

Website

https://www.personalgroup.com

Personal Group Holdings PLC is a UK-based insurance that provides benefits and services focused on improving employee health, well-being, and engagement. The group is principally engaged in providing short-term accident and health insurance and provide salary sacrifice technology products. It provides a range of employee benefits, from retail discounts to salary sacrifice schemes, including cycle to work, childcare vouchers, and home technology as well as a range of in-house insurance products such as hospital cash plan, death benefit, and convalescence cover. The company manages its business into four reportable segments namely Pay & Reward, Benefits Platform, Affordable Insurance, and Other owned benefits.

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