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FINEOS HoldingsASX:FCL -0.44%67 Cash-to-Debt is 19.16 as of Jun. 2026, which is 193% above its 10-year median of 6.55. GuruFocus rates ASX:FCL with a GF Score™ of 67/100 and a GF Value™ of A$2.19 (Fairly Valued). The stock has 1 warning sign investors should review. Among 2,843 Software companies, FINEOS Holdings ranks better than 74.18% 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. FINEOS Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 19.16.
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, FINEOS Holdingscould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for FINEOS Holdings's Cash-to-Debt or its related term are showing as below:
ASX:FCL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 2.58 Med: 6.55 Max: No Debt
Current: 19.16
During the past 6 years, FINEOS Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 2.58. And the median was 6.55.
ASX:FCL's Cash-to-Debt is ranked better than 74.18% of 2843
companies
in the Software industry
Industry Median: 2.49
vs ASX:FCL: 19.16
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.
FINEOS Holdings Cash-to-Debt Related Terms
FINEOS Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for FINEOS Holdings'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.
ASX:FCL vs MSFT, PLTR, ORCL: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, FINEOS Holdings'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.
FINEOS Holdings Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, FINEOS Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where FINEOS Holdings'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.
FINEOS Holdings (ASX:FCL) has a Cash-to-Debt of 19.16 as of Jun. 2026. This is 193% above median its historical median of 6.55. Over the past decade, FINEOS Holdings' Cash-to-Debt has ranged from 2.58 to 10,000.00. According to the industry distribution chart, FINEOS Holdings ranks #734 out of 2843 companies in the Software industry, placing it in the top 25.8%.
Is FINEOS Holdings' Cash-to-Debt too high?
FINEOS Holdings' current Cash-to-Debt of 19.16 is 193% above median its 10-year median of 6.55. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.49. FINEOS Holdings' value of 19.16 is 669.5% above this industry median. Based on the distribution chart, FINEOS Holdings ranks #734 out of 2843 companies in the Software industry, which is above the industry midpoint. Overall, FINEOS Holdings has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FINEOS Holdings' Cash-to-Debt compare to MSFT and PLTR?
According to the Software industry distribution chart, FINEOS Holdings ranks #734 out of 2843 companies for Cash-to-Debt. This puts FINEOS Holdings in the upper half of its industry. The industry median Cash-to-Debt is 2.49. FINEOS Holdings' value of 19.16 is 669.5% above this benchmark. Historically, FINEOS Holdings' own Cash-to-Debt has ranged from 2.58 to 10,000.00 over the past decade. While the company's 10-year median is 6.55 vs. the industry median of 2.49, FINEOS 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-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.49, based on 2,843 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. FINEOS Holdings's current Cash-to-Debt of 19.16 is 669.5% 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-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 2.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FINEOS Holdings's current Cash-to-Debt is 19.16, which is 193% above median its own 10-year median of 6.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FINEOS Holdings stock overvalued right now?
Based on GuruFocus' analysis, FINEOS Holdings (ASX:FCL) is currently considered Fairly Valued. The stock's GF Value™ is A$2.19, compared to a current price of A$2.26 — trading 3.2% above its estimated fair value. The current Cash-to-Debt is 19.16, which is 193% above median its 10-year median of 6.55 and 669.5% above the Software industry median of 2.49. FINEOS Holdings' overall GF Score™ is 67/100 with 1 warning sign 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 FINEOS Holdings (ASX:FCL), the current Cash-to-Debt is 19.16 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 FINEOS Holdings (ASX:FCL) Overvalued in 2026?
Based on GuruFocus' analysis, FINEOS Holdings stock appears to be overvalued.
The current stock price of A$2.26 is trading 3.2% above its estimated GF Value™ of A$2.19.
GuruFocus considers FINEOS Holdings to be Fairly Valued.
Key valuation signals for ASX:FCL:
Cash-to-Debt: 19.16 (193% above median its 10-year median of 6.55)
GF Value™: A$2.19 vs. price of A$2.26 (3.2% above fair value)
Industry Position: 669.5% above the Software median (#734 of 2843)
No single metric tells the full story. See the ASX:FCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fineos Corp Holdings PLC is an Irish company engaged in providing software solutions that include management and administration of policies and claims to the life, accident, and health insurance industry. The company's platform, Fineos AdminSuite, comprises Fineos Absence, Fineos Billing, Fineos Claims, Fineos Payments, and Fineos Provider, among other solutions.
67GF Score
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