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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. Cruzeiro do Sul Educacional's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.35.
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, Cruzeiro do Sul Educacionalcouldn'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 Cruzeiro do Sul Educacional's Cash-to-Debt or its related term are showing as below:
BSP:CSED3'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.32 Max: 0.52
Current: 0.35
During the past 6 years, Cruzeiro do Sul Educacional's highest Cash to Debt Ratio was 0.52. The lowest was 0.09. And the median was 0.32.
BSP:CSED3's Cash-to-Debt is ranked worse than 72.24% of 263
companies
in the Education industry
Industry Median: 1.23
vs BSP:CSED3: 0.35
Cruzeiro do Sul Educacional (BSP:CSED3) 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.
Cruzeiro do Sul Educacional Cash-to-Debt Related Terms
Cruzeiro do Sul Educacional 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.
BSP:CSED3 vs EDU, TAL, LAUR: Cash-to-Debt Comparison
For the Education & Training Services subindustry, Cruzeiro do Sul Educacional'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.
Cruzeiro do Sul Educacional Cash-to-Debt vs Education Industry
For the Education industry and Consumer Defensive sector, Cruzeiro do Sul Educacional's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Cruzeiro do Sul Educacional'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.
Cruzeiro do Sul Educacional (BSP:CSED3) has a Cash-to-Debt of 0.35 as of Jun. 2026. This is near median its historical median of 0.32. Over the past decade, Cruzeiro do Sul Educacional's Cash-to-Debt has ranged from 0.09 to 0.52. According to the industry distribution chart, Cruzeiro do Sul Educacional ranks #190 out of 263 companies in the Education industry, placing it in the top 72.2%.
Is Cruzeiro do Sul Educacional's Cash-to-Debt too high?
Cruzeiro do Sul Educacional's current Cash-to-Debt of 0.35 is near median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.52. The Education industry median Cash-to-Debt is 1.23. Cruzeiro do Sul Educacional's value of 0.35 is 71.5% below this industry median. Based on the distribution chart, Cruzeiro do Sul Educacional ranks #190 out of 263 companies in the Education industry, which is below the industry midpoint. Overall, Cruzeiro do Sul Educacional has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cruzeiro do Sul Educacional's Cash-to-Debt compare to EDU and TAL?
According to the Education industry distribution chart, Cruzeiro do Sul Educacional ranks #190 out of 263 companies for Cash-to-Debt. This places Cruzeiro do Sul Educacional in the lower half of its industry. The industry median Cash-to-Debt is 1.23. Cruzeiro do Sul Educacional's value of 0.35 is 71.5% below this benchmark. Historically, Cruzeiro do Sul Educacional's own Cash-to-Debt has ranged from 0.09 to 0.52 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 1.23, Cruzeiro do Sul Educacional 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 1.23, based on 263 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. Cruzeiro do Sul Educacional's current Cash-to-Debt of 0.35 is 71.5% 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 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cruzeiro do Sul Educacional's current Cash-to-Debt is 0.35, which is near median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cruzeiro do Sul Educacional stock overvalued right now?
Based on GuruFocus' analysis, Cruzeiro do Sul Educacional (BSP:CSED3) is currently considered Fairly Valued. The stock's GF Value™ is R$5.39, compared to a current price of R$5.34 — trading 0.9% below its estimated fair value. The current Cash-to-Debt is 0.35, which is near median its 10-year median of 0.32 and 71.5% below the Education industry median of 1.23. Cruzeiro do Sul Educacional's overall GF Score™ is 78/100 with 3 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 Cruzeiro do Sul Educacional (BSP:CSED3), the current Cash-to-Debt is 0.35 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 Cruzeiro do Sul Educacional (BSP:CSED3) Overvalued in 2026?
Based on GuruFocus' analysis, Cruzeiro do Sul Educacional stock appears to be undervalued.
The current stock price of R$5.34 is trading 0.9% below its estimated GF Value™ of R$5.39.
GuruFocus considers Cruzeiro do Sul Educacional to be Fairly Valued.
Key valuation signals for BSP:CSED3:
Cash-to-Debt: 0.35 (near median its 10-year median of 0.32)
GF Value™: R$5.39 vs. price of R$5.34 (0.9% below fair value)
Industry Position: 71.5% below the Education median (#190 of 263)
No single metric tells the full story. See the BSP:CSED3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cruzeiro do Sul Educacional SA is engaged in the business of providing education services. It provides higher education, graduate programs, postgraduate courses, childhood education, and technical education.
78GF Score
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