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MMTECMTC +0.40%23 Cash Ratio is 12.24 as of Dec. 2025, which is 339% above its 10-year median of 2.79. GuruFocus rates MTC with a GF Score™ of 23/100 and a GF Value™ of $0.17 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,817 Software companies, MMTEC ranks better than 97.91% on this metric.
The Cash Ratio measures a company’s ability to meet its short-term obligations with cash and near-cash resources. It is calculated as a company's Cash, Cash Equivalents, Marketable Securities divides by its Total Current Liabilities. MMTEC's Cash Ratio for the quarter that ended in Dec. 2025 was 12.24.
MMTEC has a Cash Ratio of 12.24. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for MMTEC's Cash Ratio or its related term are showing as below:
MTC'
s Cash Ratio Range Over the Past 10 Years
Min: 0.12 Med: 2.79 Max: 12.24
Current: 12.24
During the past 10 years, MMTEC's highest Cash Ratio was 12.24. The lowest was 0.12. And the median was 2.79.
MTC's Cash Ratio is ranked better than 97.91% of 2817
companies
in the Software industry
Industry Median: 0.78
vs MTC: 12.24
MMTEC (NAS:MTC) 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.
MMTEC Cash Ratio Related Terms
MMTEC Cash Ratio Historical Data
* Premium members only.
The historical data trend for MMTEC'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 Software - Application subindustry, MMTEC'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.
MMTEC Cash Ratio vs Software Industry
For the Software industry and Technology sector, MMTEC's Cash Ratio distribution charts can be found below:
* The bar in red indicates where MMTEC'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.
MMTEC (MTC) has a Cash Ratio of 12.24 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on MMTEC and its competitors. This is 339% above median its historical median of 2.79. Over the past decade, MMTEC's Cash Ratio has ranged from 0.12 to 12.24. According to the industry distribution chart, MMTEC ranks #59 out of 2817 companies in the Software industry, placing it in the top 2.1%.
Is MMTEC's Cash Ratio too high?
MMTEC's current Cash Ratio of 12.24 is 339% above median its 10-year median of 2.79. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 12.24. The Software industry median Cash Ratio is 0.78. MMTEC's value of 12.24 is 1469.2% above this industry median. Based on the distribution chart, MMTEC ranks #59 out of 2817 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, MMTEC has a GF Score™ of 23/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MMTEC's Cash Ratio compare to CMRC and EGHT?
According to the Software industry distribution chart, MMTEC ranks #59 out of 2817 companies for Cash Ratio. This places MMTEC in the top 2% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.78. MMTEC's value of 12.24 is 1469.2% above this benchmark. Historically, MMTEC's own Cash Ratio has ranged from 0.12 to 12.24 over the past decade. While the company's 10-year median is 2.79 vs. the industry median of 0.78, MMTEC has consistently been above 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 2,817 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. MMTEC's current Cash Ratio of 12.24 is 1469.2% above 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 MMTEC 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. MMTEC's current Cash Ratio is 12.24, which is 339% above median its own 10-year median of 2.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MMTEC stock overvalued right now?
Based on GuruFocus' analysis, MMTEC (MTC) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.17, compared to a current price of $2.49 — trading 1364.7% above its estimated fair value. The current Cash Ratio is 12.24, which is 339% above median its 10-year median of 2.79 and 1469.2% above the Software industry median of 0.78. MMTEC's overall GF Score™ is 23/100 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 MMTEC (MTC), the current Cash Ratio is 12.24 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.
Is MMTEC (MTC) Overvalued in 2026?
Based on GuruFocus' analysis, MMTEC stock appears to be overvalued.
The current stock price of $2.49 is trading 1364.7% above its estimated GF Value™ of $0.17.
GuruFocus considers MMTEC to be Significantly Overvalued.
Key valuation signals for MTC:
Cash Ratio: 12.24 (339% above median its 10-year median of 2.79)
GF Value™: $0.17 vs. price of $2.49 (1364.7% above fair value)
Industry Position: 1469.2% above the Software median (#59 of 2817)
No single metric tells the full story. See the MTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MMTEC Inc provides Internet-based technology services and solutions to the Chinese language speaking hedge funds, mutual funds, registered investment advisors, proprietary trading groups, and brokerage firms engaging in securities market transactions and settlements globally. The company offers complete suite trading solutions, including services such as fund establishment, issuance, custody, transaction, and settlement. The Company currently has two operating segments, Gujia, MM Future and HC Securities, and MM Global. The Gujia segment provides market data services and consulting services to customers in China; and MM Global segment operates as an introducing broker that clears all transactions through a clearing broker dealer and earns commission income.
23GF Score
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