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U Consumer FinanceCAI:VALU -2.09%28 Cash Ratio is 0.05 as of Dec. 2025, which is 50% below its 10-year median of 0.10. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 391 Credit Services companies, U Consumer Finance ranks worse than 90.03% on this metric.
U Consumer Finance has a Cash Ratio of 0.05. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for U Consumer Finance's Cash Ratio or its related term are showing as below:
CAI:VALU'
s Cash Ratio Range Over the Past 10 Years
Min: 0.05 Med: 0.1 Max: 0.19
Current: 0.05
During the past 3 years, U Consumer Finance's highest Cash Ratio was 0.19. The lowest was 0.05. And the median was 0.10.
CAI:VALU's Cash Ratio is ranked worse than 90.03% of 391
companies
in the Credit Services industry
Industry Median: 0.54
vs CAI:VALU: 0.05
U Consumer Finance (CAI:VALU) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
U Consumer Finance Cash Ratio Related Terms
U Consumer Finance Cash Ratio Historical Data
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The historical data trend for U Consumer Finance's Cash Ratio 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.
For the Credit Services subindustry, U Consumer Finance's Cash Ratio, along with its competitors' market caps and Cash Ratio 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.
U Consumer Finance Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's Cash Ratio distribution charts can be found below:
* The bar in red indicates where U Consumer Finance's Cash Ratio 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.
U Consumer Finance (CAI:VALU) has a Cash Ratio of 0.05 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on U Consumer Finance and its competitors. This is 50% below median its historical median of 0.10. Over the past decade, U Consumer Finance's Cash Ratio has ranged from 0.05 to 0.19. According to the industry distribution chart, U Consumer Finance ranks #352 out of 391 companies in the Credit Services industry, placing it in the top 90%.
Is U Consumer Finance's Cash Ratio too high?
U Consumer Finance's current Cash Ratio of 0.05 is 50% below median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.19. The Credit Services industry median Cash Ratio is 0.54. U Consumer Finance's value of 0.05 is 90.7% below this industry median. Based on the distribution chart, U Consumer Finance ranks #352 out of 391 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #352 out of 391 companies for Cash Ratio. This places U Consumer Finance in the lower half of its industry. The industry median Cash Ratio is 0.54. U Consumer Finance's value of 0.05 is 90.7% below this benchmark. Historically, U Consumer Finance's own Cash Ratio has ranged from 0.05 to 0.19 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.54, U Consumer Finance 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 Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.54, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. U Consumer Finance's current Cash Ratio of 0.05 is 90.7% 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 Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on U Consumer Finance and its competitors. For the Credit Services industry, the median Cash Ratio is 0.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current Cash Ratio is 0.05, which is 50% below median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Cash Ratio of 0.05. The current Cash Ratio is 0.05, which is 50% below median its 10-year median of 0.10 and 90.7% below the Credit Services industry median of 0.54. U Consumer Finance's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current Cash Ratio is 0.05 as of Dec. 2025. 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
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