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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. Ameritrust Financial Technologies's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.06.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Ameritrust Financial Technologiescould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ameritrust Financial Technologies's Cash-to-Debt or its related term are showing as below:
AMTFF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 1.07 Max: No Debt
Current: 1.06
During the past 13 years, Ameritrust Financial Technologies's highest Cash to Debt Ratio was No Debt. The lowest was 0.03. And the median was 1.07.
AMTFF's Cash-to-Debt is ranked worse than 63.59% of 2845
companies
in the Software industry
Industry Median: 2.48
vs AMTFF: 1.06
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.
Ameritrust Financial Technologies Cash-to-Debt Related Terms
Ameritrust Financial Technologies Cash-to-Debt Historical Data
* 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 Software - Application subindustry, Ameritrust Financial Technologies'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.
Ameritrust Financial Technologies Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Ameritrust Financial Technologies's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ameritrust Financial Technologies'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.
Ameritrust Financial Technologies (AMTFF) has a Cash-to-Debt of 1.06 as of Jun. 2026. This is near median its historical median of 1.07. Over the past decade, Ameritrust Financial Technologies' Cash-to-Debt has ranged from 0.03 to 10,000.00. According to the industry distribution chart, Ameritrust Financial Technologies ranks #1809 out of 2845 companies in the Software industry, placing it in the top 63.6%.
Is Ameritrust Financial Technologies' Cash-to-Debt too high?
Ameritrust Financial Technologies' current Cash-to-Debt of 1.06 is near median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.48. Ameritrust Financial Technologies' value of 1.06 is 57.3% below this industry median. Based on the distribution chart, Ameritrust Financial Technologies ranks #1809 out of 2845 companies in the Software industry, which is below the industry midpoint. Overall, Ameritrust Financial Technologies has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ameritrust Financial Technologies' Cash-to-Debt compare to CRM and SHOP?
According to the Software industry distribution chart, Ameritrust Financial Technologies ranks #1809 out of 2845 companies for Cash-to-Debt. This places Ameritrust Financial Technologies in the lower half of its industry. The industry median Cash-to-Debt is 2.48. Ameritrust Financial Technologies' value of 1.06 is 57.3% below this benchmark. Historically, Ameritrust Financial Technologies' own Cash-to-Debt has ranged from 0.03 to 10,000.00 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 2.48, Ameritrust Financial Technologies 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 Software company?
The median Cash-to-Debt among Software companies is 2.48, based on 2,845 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. Ameritrust Financial Technologies's current Cash-to-Debt of 1.06 is 57.3% 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 Software industry, the median Cash-to-Debt is 2.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ameritrust Financial Technologies's current Cash-to-Debt is 1.06, which is near median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ameritrust Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Ameritrust Financial Technologies (AMTFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.03, compared to a current price of $0.16 — trading 447.3% above its estimated fair value. The current Cash-to-Debt is 1.06, which is near median its 10-year median of 1.07 and 57.3% below the Software industry median of 2.48. Ameritrust Financial Technologies' overall GF Score™ is 36/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ameritrust Financial Technologies (AMTFF), the current Cash-to-Debt is 1.06 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 Ameritrust Financial Technologies (AMTFF) Overvalued in 2026?
Based on GuruFocus' analysis, Ameritrust Financial Technologies stock appears to be overvalued.
The current stock price of $0.16 is trading 447.3% above its estimated GF Value™ of $0.03.
GuruFocus considers Ameritrust Financial Technologies to be Significantly Overvalued.
Key valuation signals for AMTFF:
Cash-to-Debt: 1.06 (near median its 10-year median of 1.07)
GF Value™: $0.03 vs. price of $0.16 (447.3% above fair value)
Industry Position: 57.3% below the Software median (#1809 of 2845)
No single metric tells the full story. See the AMTFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ameritrust Financial Technologies Inc is a technology provider. It has developed a powerful suite of cloud-based transaction platforms to buy, sell, trade, finance, and lease new and used vehicles, which includes real-time appraisal services, market information, and financing solutions: The company has two segments: Canadian operations and U.S. operations. It derives maximum revenue from U.S operations.
36GF Score
Get the complete analysis for AMTFF
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