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Aspen GroupASPU 31 Cash-to-Debt is 0.05 as of Apr. 2026, which is 94% below its 10-year median of 0.77. GuruFocus rates ASPU with a GF Score™ of 31/100 and a GF Value™ of $0.08 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 264 Education companies, Aspen Group ranks worse than 95.08% 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. Aspen Group's cash to debt ratio for the quarter that ended in Apr. 2026 was 0.05.
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, Aspen Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Apr. 2026.
The historical rank and industry rank for Aspen Group's Cash-to-Debt or its related term are showing as below:
ASPU'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.77 Max: 55.12
Current: 0.05
During the past 13 years, Aspen Group's highest Cash to Debt Ratio was 55.12. The lowest was 0.03. And the median was 0.77.
ASPU's Cash-to-Debt is ranked worse than 95.08% of 264
companies
in the Education industry
Industry Median: 1.29
vs ASPU: 0.05
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.
Aspen Group Cash-to-Debt Related Terms
Aspen Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Aspen Group'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 Education & Training Services subindustry, Aspen Group'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.
Aspen Group Cash-to-Debt vs Education Industry
For the Education industry and Consumer Defensive sector, Aspen Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Aspen Group'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.
Aspen Group (ASPU) has a Cash-to-Debt of 0.05 as of Apr. 2026. This is 94% below median its historical median of 0.77. Over the past decade, Aspen Group's Cash-to-Debt has ranged from 0.03 to 55.12. According to the industry distribution chart, Aspen Group ranks #251 out of 264 companies in the Education industry, placing it in the top 95.1%.
Is Aspen Group's Cash-to-Debt too high?
Aspen Group's current Cash-to-Debt of 0.05 is 94% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 55.12. The Education industry median Cash-to-Debt is 1.29. Aspen Group's value of 0.05 is 96.1% below this industry median. Based on the distribution chart, Aspen Group ranks #251 out of 264 companies in the Education industry, which is in the bottom quartile relative to peers. Overall, Aspen Group has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aspen Group's Cash-to-Debt compare to VSA and WAFU?
According to the Education industry distribution chart, Aspen Group ranks #251 out of 264 companies for Cash-to-Debt. This places Aspen Group in the lower half of its industry. The industry median Cash-to-Debt is 1.29. Aspen Group's value of 0.05 is 96.1% below this benchmark. Historically, Aspen Group's own Cash-to-Debt has ranged from 0.03 to 55.12 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.29, Aspen Group 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 an Education company?
The median Cash-to-Debt among Education companies is 1.29, based on 264 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. Aspen Group's current Cash-to-Debt of 0.05 is 96.1% 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 Education industry, the median Cash-to-Debt is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aspen Group's current Cash-to-Debt is 0.05, which is 94% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aspen Group stock overvalued right now?
Based on GuruFocus' analysis, Aspen Group (ASPU) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.08, compared to a current price of $0.27 — trading 237.1% above its estimated fair value. The current Cash-to-Debt is 0.05, which is 94% below median its 10-year median of 0.77 and 96.1% below the Education industry median of 1.29. Aspen Group's overall GF Score™ is 31/100 with 2 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 Aspen Group (ASPU), the current Cash-to-Debt is 0.05 as of Apr. 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 Aspen Group (ASPU) Overvalued in 2026?
Based on GuruFocus' analysis, Aspen Group stock appears to be overvalued.
The current stock price of $0.27 is trading 237.1% above its estimated GF Value™ of $0.08.
GuruFocus considers Aspen Group to be Significantly Overvalued.
Key valuation signals for ASPU:
Cash-to-Debt: 0.05 (94% below median its 10-year median of 0.77)
GF Value™: $0.08 vs. price of $0.27 (237.1% above fair value)
Industry Position: 96.1% below the Education median (#251 of 264)
No single metric tells the full story. See the ASPU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aspen Group Inc is an education technology holding company that leverages its infrastructure and expertise to allow its two universities, Aspen University and United States University, to offer Associate, Bachelor's, Master's, and Doctoral degree programs that span multiple programs of study with a concentrated focus on nursing. The schools at its universities include; the School of Nursing and Health Sciences; School of Education; and School of Business and Technology. The company offers affordable tuition and flexible financing solutions to students, to deliver on its vision of making college education affordable again.
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