SSI GroupPHS:SSI 85 Cash Ratio is 0.43 as of Mar. 2026, which is at its 10-year median of 0.43. GuruFocus rates PHS:SSI with a GF Score™ of 85/100 and a GF Value™ of ₱3.49 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,108 Retail - Cyclical companies, SSI Group ranks better than 55.78% on this metric.
SSI Group has a Cash Ratio of 0.43. 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 SSI Group's Cash Ratio or its related term are showing as below:
PHS:SSI'
s Cash Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.43 Max: 0.96
Current: 0.43
During the past 13 years, SSI Group's highest Cash Ratio was 0.96. The lowest was 0.09. And the median was 0.43.
PHS:SSI's Cash Ratio is ranked better than 55.78% of 1108
companies
in the Retail - Cyclical industry
Industry Median: 0.36
vs PHS:SSI: 0.43
SSI Group (PHS:SSI) 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.
SSI Group Cash Ratio Related Terms
SSI Group Cash Ratio Historical Data
* Premium members only.
The historical data trend for SSI Group'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 Apparel Retail subindustry, SSI Group'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.
SSI Group Cash Ratio vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SSI Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where SSI Group'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.
SSI Group (PHS:SSI) has a Cash Ratio of 0.43 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on SSI Group and its competitors. This is near median its historical median of 0.43. Over the past decade, SSI Group's Cash Ratio has ranged from 0.09 to 0.96. According to the industry distribution chart, SSI Group ranks #490 out of 1108 companies in the Retail - Cyclical industry, placing it in the top 44.2%.
Is SSI Group's Cash Ratio too high?
SSI Group's current Cash Ratio of 0.43 is near median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.96. The Retail - Cyclical industry median Cash Ratio is 0.36. SSI Group's value of 0.43 is 19.4% above this industry median. Based on the distribution chart, SSI Group ranks #490 out of 1108 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, SSI Group has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSI Group's Cash Ratio compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, SSI Group ranks #490 out of 1108 companies for Cash Ratio. This puts SSI Group in the upper half of its industry. The industry median Cash Ratio is 0.36. SSI Group's value of 0.43 is 19.4% above this benchmark. Historically, SSI Group's own Cash Ratio has ranged from 0.09 to 0.96 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 0.36, SSI Group 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 Retail - Cyclical company?
The median Cash Ratio among Retail - Cyclical companies is 0.36, based on 1,108 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. SSI Group's current Cash Ratio of 0.43 is 19.4% 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 SSI Group and its competitors. For the Retail - Cyclical industry, the median Cash Ratio is 0.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSI Group's current Cash Ratio is 0.43, which is near median its own 10-year median of 0.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSI Group stock overvalued right now?
Based on GuruFocus' analysis, SSI Group (PHS:SSI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱3.49, compared to a current price of ₱2.21 — trading 36.7% below its estimated fair value. The current Cash Ratio is 0.43, which is near median its 10-year median of 0.43 and 19.4% above the Retail - Cyclical industry median of 0.36. SSI Group's overall GF Score™ is 85/100 with 3 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 SSI Group (PHS:SSI), the current Cash Ratio is 0.43 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 SSI Group (PHS:SSI) Overvalued in 2026?
Based on GuruFocus' analysis, SSI Group stock appears to be undervalued.
The current stock price of ₱2.21 is trading 36.7% below its estimated GF Value™ of ₱3.49.
GuruFocus considers SSI Group to be Significantly Undervalued.
Key valuation signals for PHS:SSI:
Cash Ratio: 0.43 (near median its 10-year median of 0.43)
GF Value™: ₱3.49 vs. price of ₱2.21 (36.7% below fair value)
Industry Position: 19.4% above the Retail - Cyclical median (#490 of 1108)
No single metric tells the full story. See the PHS:SSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSI Group Inc together with its subsidiaries, operates specialty retail stores in the Philippines. The company operates a retail network consists of 628 stores located within approximately 110 malls across the Philippines, including Metro Manila, Luzon, Visayas, and Mindanao. The company provides a broad range of categories and brands, from luxury and bridge apparel to casual wear and fast fashion, as well as footwear, accessories, luggage, food, home and decor, and beauty and personal care.
85GF Score
Get the complete analysis for PHS:SSI
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:SSI has been successfully added to your 
