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Paycloud HoldingsTSE:4015 -1.38%73 Cash Ratio is 1.20 as of Feb. 2026, which is 4% above its 10-year median of 1.15. GuruFocus rates TSE:4015 with a GF Score™ of 73/100 and a GF Value™ of 円906.06 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 2,817 Software companies, Paycloud Holdings ranks better than 60.45% on this metric.
Paycloud Holdings has a Cash Ratio of 1.20. 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 Paycloud Holdings's Cash Ratio or its related term are showing as below:
TSE:4015'
s Cash Ratio Range Over the Past 10 Years
Min: 0.44 Med: 1.15 Max: 3.97
Current: 1.06
During the past 8 years, Paycloud Holdings's highest Cash Ratio was 3.97. The lowest was 0.44. And the median was 1.15.
TSE:4015's Cash Ratio is ranked better than 60.45% of 2817
companies
in the Software industry
Industry Median: 0.76
vs TSE:4015: 1.06
Paycloud Holdings (TSE:4015) 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.
Paycloud Holdings Cash Ratio Related Terms
Paycloud Holdings Cash Ratio Historical Data
* Premium members only.
The historical data trend for Paycloud Holdings'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.
TSE:4015 vs CRM, SHOP, UBER: Cash Ratio Comparison
For the Software - Application subindustry, Paycloud Holdings'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.
Paycloud Holdings Cash Ratio vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Paycloud Holdings'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.
Paycloud Holdings (TSE:4015) has a Cash Ratio of 1.20 as of Feb. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Paycloud Holdings and its competitors. This is near median its historical median of 1.15. Over the past decade, Paycloud Holdings' Cash Ratio has ranged from 0.44 to 3.97. According to the industry distribution chart, Paycloud Holdings ranks #1114 out of 2817 companies in the Software industry, placing it in the top 39.5%.
Is Paycloud Holdings' Cash Ratio too high?
Paycloud Holdings' current Cash Ratio of 1.20 is near median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 3.97. The Software industry median Cash Ratio is 0.76. Paycloud Holdings' value of 1.20 is 57.9% above this industry median. Based on the distribution chart, Paycloud Holdings ranks #1114 out of 2817 companies in the Software industry, which is above the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Cash Ratio compare to CRM and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #1114 out of 2817 companies for Cash Ratio. This puts Paycloud Holdings in the upper half of its industry. The industry median Cash Ratio is 0.76. Paycloud Holdings' value of 1.20 is 57.9% above this benchmark. Historically, Paycloud Holdings' own Cash Ratio has ranged from 0.44 to 3.97 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 0.76, Paycloud Holdings 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 0.76, 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. Paycloud Holdings's current Cash Ratio of 1.20 is 57.9% 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 Paycloud Holdings and its competitors. For the Software industry, the median Cash Ratio is 0.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paycloud Holdings's current Cash Ratio is 1.20, which is near median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円906.06, compared to a current price of 円502.00 — trading 44.6% below its estimated fair value. The current Cash Ratio is 1.20, which is near median its 10-year median of 1.15 and 57.9% above the Software industry median of 0.76. Paycloud Holdings' overall GF Score™ is 73/100 with 4 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 Paycloud Holdings (TSE:4015), the current Cash Ratio is 1.20 as of Feb. 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円502.00 is trading 44.6% below its estimated GF Value™ of 円906.06.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Cash Ratio: 1.20 (near median its 10-year median of 1.15)
GF Value™: 円906.06 vs. price of 円502.00 (44.6% below fair value)
Industry Position: 57.9% above the Software median (#1114 of 2817)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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