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United Parcel ServiceUPS +0.31%76 Cash-to-Debt is 0.16 as of Jun. 2026, which is 33% below its 10-year median of 0.24. GuruFocus rates UPS with a GF Score™ of 76/100 and a GF Value™ of $120.53 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,004 Transportation companies, United Parcel Service ranks worse than 74.5% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. United Parcel Service's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.16.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, United Parcel Servicecouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for United Parcel Service's Cash-to-Debt or its related term are showing as below:
UPS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16 Med: 0.24 Max: 0.5
Current: 0.16
During the past 13 years, United Parcel Service's highest Cash to Debt Ratio was 0.50. The lowest was 0.16. And the median was 0.24.
UPS's Cash-to-Debt is ranked worse than 74.5% of 1004
companies
in the Transportation industry
Industry Median: 0.49
vs UPS: 0.16
United Parcel Service (NYSE:UPS) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
United Parcel Service Cash-to-Debt Related Terms
United Parcel Service Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for United Parcel Service's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Integrated Freight & Logistics subindustry, United Parcel Service's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
United Parcel Service Cash-to-Debt vs Transportation Industry
For the Transportation industry and Industrials sector, United Parcel Service's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where United Parcel Service's Cash-to-Debt 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.
United Parcel Service (UPS) has a Cash-to-Debt of 0.16 as of Jun. 2026. This is 33% below median its historical median of 0.24. Over the past decade, United Parcel Service's Cash-to-Debt has ranged from 0.16 to 0.50. According to the industry distribution chart, United Parcel Service ranks #748 out of 1004 companies in the Transportation industry, placing it in the top 74.5%.
Is United Parcel Service's Cash-to-Debt too high?
United Parcel Service's current Cash-to-Debt of 0.16 is 33% below median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.50. The Transportation industry median Cash-to-Debt is 0.49. United Parcel Service's value of 0.16 is 67.3% below this industry median. Based on the distribution chart, United Parcel Service ranks #748 out of 1004 companies in the Transportation industry, which is below the industry midpoint. Overall, United Parcel Service has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does United Parcel Service's Cash-to-Debt compare to FDX and EXPD?
According to the Transportation industry distribution chart, United Parcel Service ranks #748 out of 1004 companies for Cash-to-Debt. This places United Parcel Service in the lower half of its industry. The industry median Cash-to-Debt is 0.49. United Parcel Service's value of 0.16 is 67.3% below this benchmark. Historically, United Parcel Service's own Cash-to-Debt has ranged from 0.16 to 0.50 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.49, United Parcel Service 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-to-Debt for a Transportation company?
The median Cash-to-Debt among Transportation companies is 0.49, based on 1,004 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Parcel Service's current Cash-to-Debt of 0.16 is 67.3% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Transportation industry, the median Cash-to-Debt is 0.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Parcel Service's current Cash-to-Debt is 0.16, which is 33% below median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Parcel Service stock overvalued right now?
Based on GuruFocus' analysis, United Parcel Service (UPS) is currently considered Modestly Undervalued. The stock's GF Value™ is $120.53, compared to a current price of $100.28 — trading 16.8% below its estimated fair value. The current Cash-to-Debt is 0.16, which is 33% below median its 10-year median of 0.24 and 67.3% below the Transportation industry median of 0.49. United Parcel Service's overall GF Score™ is 76/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For United Parcel Service (UPS), the current Cash-to-Debt is 0.16 as of Jun. 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 United Parcel Service (UPS) Overvalued in 2026?
Based on GuruFocus' analysis, United Parcel Service stock appears to be undervalued.
The current stock price of $100.28 is trading 16.8% below its estimated GF Value™ of $120.53.
GuruFocus considers United Parcel Service to be Modestly Undervalued.
Key valuation signals for UPS:
Cash-to-Debt: 0.16 (33% below median its 10-year median of 0.24)
GF Value™: $120.53 vs. price of $100.28 (16.8% below fair value)
Industry Position: 67.3% below the Transportation median (#748 of 1004)
No single metric tells the full story. See the UPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
As the world's largest parcel delivery company, UPS manages a massive fleet of more than 500 planes and 100,000 vehicles, along with many hundreds of sorting facilities, to deliver an average of about 22 million packages per day to residences and businesses across the globe. UPS' domestic US package operations generate around 65% of total revenue, while international package makes up 20%. Air and ocean freight forwarding and contract logistics make up the remainder.
76GF Score
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