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Hightech Payment SystemsCAS:HPS 100 Cash-to-Debt is 0.67 as of Dec. 2025, which is 54% below its 10-year median of 1.46. GuruFocus rates CAS:HPS with a GF Score™ of 100/100 and a GF Value™ of MAD834.90 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 2,841 Software companies, Hightech Payment Systems ranks worse than 70.78% 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. Hightech Payment Systems's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.67.
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, Hightech Payment Systemscouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Hightech Payment Systems's Cash-to-Debt or its related term are showing as below:
CAS:HPS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.45 Med: 1.46 Max: 2
Current: 0.67
During the past 13 years, Hightech Payment Systems's highest Cash to Debt Ratio was 2.00. The lowest was 0.45. And the median was 1.46.
CAS:HPS's Cash-to-Debt is ranked worse than 70.78% of 2841
companies
in the Software industry
Industry Median: 2.48
vs CAS:HPS: 0.67
Hightech Payment Systems (CAS:HPS) 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.
Hightech Payment Systems Cash-to-Debt Related Terms
Hightech Payment Systems 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.
CAS:HPS vs MSFT, PLTR, ORCL: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, Hightech Payment Systems'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.
Hightech Payment Systems Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Hightech Payment Systems's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Hightech Payment Systems'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.
Hightech Payment Systems (CAS:HPS) has a Cash-to-Debt of 0.67 as of Dec. 2025. This is 54% below median its historical median of 1.46. Over the past decade, Hightech Payment Systems' Cash-to-Debt has ranged from 0.45 to 2.00. According to the industry distribution chart, Hightech Payment Systems ranks #2011 out of 2841 companies in the Software industry, placing it in the top 70.8%.
Is Hightech Payment Systems' Cash-to-Debt too high?
Hightech Payment Systems' current Cash-to-Debt of 0.67 is 54% below median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 2.00. The Software industry median Cash-to-Debt is 2.48. Hightech Payment Systems' value of 0.67 is 73% below this industry median. Based on the distribution chart, Hightech Payment Systems ranks #2011 out of 2841 companies in the Software industry, which is below the industry midpoint. Overall, Hightech Payment Systems has a GF Score™ of 100/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hightech Payment Systems' Cash-to-Debt compare to MSFT and PLTR?
According to the Software industry distribution chart, Hightech Payment Systems ranks #2011 out of 2841 companies for Cash-to-Debt. This places Hightech Payment Systems in the lower half of its industry. The industry median Cash-to-Debt is 2.48. Hightech Payment Systems' value of 0.67 is 73% below this benchmark. Historically, Hightech Payment Systems' own Cash-to-Debt has ranged from 0.45 to 2.00 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 2.48, Hightech Payment Systems 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 2,841 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. Hightech Payment Systems's current Cash-to-Debt of 0.67 is 73% 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. Hightech Payment Systems's current Cash-to-Debt is 0.67, which is 54% below median its own 10-year median of 1.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hightech Payment Systems stock overvalued right now?
Based on GuruFocus' analysis, Hightech Payment Systems (CAS:HPS) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD834.90, compared to a current price of MAD670.00 — trading 19.8% below its estimated fair value. The current Cash-to-Debt is 0.67, which is 54% below median its 10-year median of 1.46 and 73% below the Software industry median of 2.48. Hightech Payment Systems' overall GF Score™ is 100/100 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 Hightech Payment Systems (CAS:HPS), the current Cash-to-Debt is 0.67 as of Dec. 2025. 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 Hightech Payment Systems (CAS:HPS) Overvalued in 2026?
Based on GuruFocus' analysis, Hightech Payment Systems stock appears to be undervalued.
The current stock price of MAD670.00 is trading 19.8% below its estimated GF Value™ of MAD834.90.
GuruFocus considers Hightech Payment Systems to be Modestly Undervalued.
Key valuation signals for CAS:HPS:
Cash-to-Debt: 0.67 (54% below median its 10-year median of 1.46)
GF Value™: MAD834.90 vs. price of MAD670.00 (19.8% below fair value)
Industry Position: 73% below the Software median (#2011 of 2841)
No single metric tells the full story. See the CAS:HPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hightech Payment Systems SA is the group that provides solutions and services involving electronic payment. The company provides its clients with technology solutions that transcend the entire payments value chain, enabling them to innovate rapidly and bring new products to market with ease and efficiency using HPS' PowerCARD software. The PowerCARD suite is fully integrated with all international payment networks, and supports all back-office payments functions. The company's software and services are sold covering many geographical areas such as Europe, Americas, Africa and the Middle East and Asia. The group's majority revenue is generated from Africa.
100GF Score
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