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HeartCore EnterprisesHTCR +6.61%56 Cash Ratio is 0.71 as of Mar. 2026, which is at its 10-year median of 0.71. GuruFocus rates HTCR with a GF Score™ of 56/100 and a GF Value™ of $9.63 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 2,816 Software companies, HeartCore Enterprises ranks worse than 52.17% on this metric.
HeartCore Enterprises has a Cash Ratio of 0.71. 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 HeartCore Enterprises's Cash Ratio or its related term are showing as below:
HTCR'
s Cash Ratio Range Over the Past 10 Years
Min: 0.15 Med: 0.71 Max: 3.72
Current: 0.71
During the past 7 years, HeartCore Enterprises's highest Cash Ratio was 3.72. The lowest was 0.15. And the median was 0.71.
HTCR's Cash Ratio is ranked worse than 52.17% of 2816
companies
in the Software industry
Industry Median: 0.78
vs HTCR: 0.71
HeartCore Enterprises (NAS:HTCR) 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.
* 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 Software - Application subindustry, HeartCore Enterprises'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.
HeartCore Enterprises Cash Ratio vs Software Industry
For the Software industry and Technology sector, HeartCore Enterprises's Cash Ratio distribution charts can be found below:
* The bar in red indicates where HeartCore Enterprises'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.
HeartCore Enterprises (HTCR) has a Cash Ratio of 0.71 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on HeartCore Enterprises and its competitors. This is near median its historical median of 0.71. Over the past decade, HeartCore Enterprises' Cash Ratio has ranged from 0.15 to 3.72. According to the industry distribution chart, HeartCore Enterprises ranks #1469 out of 2816 companies in the Software industry, placing it in the top 52.2%.
Is HeartCore Enterprises' Cash Ratio too high?
HeartCore Enterprises' current Cash Ratio of 0.71 is near median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 3.72. The Software industry median Cash Ratio is 0.78. HeartCore Enterprises' value of 0.71 is 9% below this industry median. Based on the distribution chart, HeartCore Enterprises ranks #1469 out of 2816 companies in the Software industry, which is below the industry midpoint. Overall, HeartCore Enterprises has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does HeartCore Enterprises' Cash Ratio compare to KWIK and QGSI?
According to the Software industry distribution chart, HeartCore Enterprises ranks #1469 out of 2816 companies for Cash Ratio. This places HeartCore Enterprises in the lower half of its industry. The industry median Cash Ratio is 0.78. HeartCore Enterprises' value of 0.71 is 9% below this benchmark. Historically, HeartCore Enterprises' own Cash Ratio has ranged from 0.15 to 3.72 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 0.78, HeartCore Enterprises 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 Software company?
The median Cash Ratio among Software companies is 0.78, based on 2,816 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. HeartCore Enterprises's current Cash Ratio of 0.71 is 9% 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 HeartCore Enterprises and its competitors. For the Software industry, the median Cash Ratio is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HeartCore Enterprises's current Cash Ratio is 0.71, which is near median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HeartCore Enterprises stock overvalued right now?
Based on GuruFocus' analysis, HeartCore Enterprises (HTCR) is currently considered Possible Value Trap. The stock's GF Value™ is $9.63, compared to a current price of $2.65 — trading 72.5% below its estimated fair value. The current Cash Ratio is 0.71, which is near median its 10-year median of 0.71 and 9% below the Software industry median of 0.78. HeartCore Enterprises' overall GF Score™ is 56/100 with 8 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 HeartCore Enterprises (HTCR), the current Cash Ratio is 0.71 as of Mar. 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 HeartCore Enterprises (HTCR) Overvalued in 2026?
Based on GuruFocus' analysis, HeartCore Enterprises stock appears to be undervalued.
The current stock price of $2.65 is trading 72.5% below its estimated GF Value™ of $9.63.
GuruFocus considers HeartCore Enterprises to be Possible Value Trap.
Key valuation signals for HTCR:
Cash Ratio: 0.71 (near median its 10-year median of 0.71)
GF Value™: $9.63 vs. price of $2.65 (72.5% below fair value)
Industry Position: 9% below the Software median (#1469 of 2816)
No single metric tells the full story. See the HTCR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HeartCore Enterprises Inc is a software development company providing solutions for digital transformation (DX). It develops, sells, and maintains CMS and CXM platforms using digital marketing technology, RPA, process mining solutions, myInvenio and Apromore, task mining solution CONTROLIO, and 3D-VR services including Matterport and VR360. The company also provides management consulting, education, services, and support to help customers succeed with the CXM Platform. It operates through two business units, the CX division for customer experience management and the DX division for digital transformation, which provides robotics process automation, process mining, and task mining. Its products include VR360, myInvenio, Apromore, and others, with maximum revenue from the United States.
56GF Score
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