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BlackbaudBLKB -2.26%62 Cash-to-Debt is 0.03 as of Jun. 2026, which is 25% below its 10-year median of 0.04. GuruFocus rates BLKB with a GF Score™ of 62/100 and a GF Value™ of $80.38 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 2,838 Software companies, Blackbaud ranks worse than 97.08% 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. Blackbaud's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.03.
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, Blackbaudcouldn'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 Blackbaud's Cash-to-Debt or its related term are showing as below:
BLKB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.04 Max: 0.08
Current: 0.03
During the past 13 years, Blackbaud's highest Cash to Debt Ratio was 0.08. The lowest was 0.02. And the median was 0.04.
BLKB's Cash-to-Debt is ranked worse than 97.08% of 2838
companies
in the Software industry
Industry Median: 2.48
vs BLKB: 0.03
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.
Blackbaud Cash-to-Debt Related Terms
Blackbaud Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Blackbaud'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 Software - Application subindustry, Blackbaud'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.
Blackbaud Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Blackbaud's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Blackbaud'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.
Blackbaud (BLKB) has a Cash-to-Debt of 0.03 as of Jun. 2026. This is 25% below median its historical median of 0.04. Over the past decade, Blackbaud's Cash-to-Debt has ranged from 0.02 to 0.08. According to the industry distribution chart, Blackbaud ranks #2755 out of 2838 companies in the Software industry, placing it in the top 97.1%.
Is Blackbaud's Cash-to-Debt too high?
Blackbaud's current Cash-to-Debt of 0.03 is 25% below median its 10-year median of 0.04. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.08. The Software industry median Cash-to-Debt is 2.48. Blackbaud's value of 0.03 is 98.8% below this industry median. Based on the distribution chart, Blackbaud ranks #2755 out of 2838 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Blackbaud has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Blackbaud's Cash-to-Debt compare to BVC and ALKT?
According to the Software industry distribution chart, Blackbaud ranks #2755 out of 2838 companies for Cash-to-Debt. This places Blackbaud in the lower half of its industry. The industry median Cash-to-Debt is 2.48. Blackbaud's value of 0.03 is 98.8% below this benchmark. Historically, Blackbaud's own Cash-to-Debt has ranged from 0.02 to 0.08 over the past decade. While the company's 10-year median is 0.04 vs. the industry median of 2.48, Blackbaud 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 2,838 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. Blackbaud's current Cash-to-Debt of 0.03 is 98.8% 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. Blackbaud's current Cash-to-Debt is 0.03, which is 25% below median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Blackbaud stock overvalued right now?
Based on GuruFocus' analysis, Blackbaud (BLKB) is currently considered Possible Value Trap. The stock's GF Value™ is $80.38, compared to a current price of $44.24 — trading 45% below its estimated fair value. The current Cash-to-Debt is 0.03, which is 25% below median its 10-year median of 0.04 and 98.8% below the Software industry median of 2.48. Blackbaud's overall GF Score™ is 62/100 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 Blackbaud (BLKB), the current Cash-to-Debt is 0.03 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 Blackbaud (BLKB) Overvalued in 2026?
Based on GuruFocus' analysis, Blackbaud stock appears to be undervalued.
The current stock price of $44.24 is trading 45% below its estimated GF Value™ of $80.38.
GuruFocus considers Blackbaud to be Possible Value Trap.
Key valuation signals for BLKB:
Cash-to-Debt: 0.03 (25% below median its 10-year median of 0.04)
GF Value™: $80.38 vs. price of $44.24 (45% below fair value)
Industry Position: 98.8% below the Software median (#2755 of 2838)
No single metric tells the full story. See the BLKB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1981, Blackbaud provides software solutions designed to serve the "social good" community, including nonprofits, foundations, corporations, educational institutions, healthcare institutions, and individual change agents. Through M&A and organic product development efforts, the company has also moved into related areas outside core fundraising, notably into K-12 schools. The firm enables more than $100 billion in donations annually across a customer base in excess of 40,000 customers in over 100 countries.
62GF Score
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