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Banqup GroupCHIX:BANQB 43 Cash-to-Debt is 0.10 as of Jun. 2026, which is 41% below its 10-year median of 0.17. GuruFocus rates CHIX:BANQB with a GF Score™ of 43/100 and a GF Value™ of €3.37. The stock has 5 warning signs investors should review. Among 2,845 Software companies, Banqup Group ranks worse than 92.44% 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. Banqup Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.10.
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, Banqup Groupcouldn'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 Banqup Group's Cash-to-Debt or its related term are showing as below:
CHIX:BANQb'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.17 Max: 3.65
Current: 0.1
During the past 10 years, Banqup Group's highest Cash to Debt Ratio was 3.65. The lowest was 0.04. And the median was 0.17.
CHIX:BANQb's Cash-to-Debt is ranked worse than 92.44% of 2845
companies
in the Software industry
Industry Median: 2.48
vs CHIX:BANQb: 0.10
Banqup Group (CHIX:BANQb) 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.
Banqup Group Cash-to-Debt Related Terms
Banqup Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Banqup 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.
CHIX:BANQB vs CRM, SHOP, UBER: Cash-to-Debt Comparison
For the Software - Application subindustry, Banqup 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.
Banqup Group Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Banqup Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Banqup 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.
Banqup Group (CHIX:BANQB) has a Cash-to-Debt of 0.10 as of Jun. 2026. This is 41% below median its historical median of 0.17. Over the past decade, Banqup Group's Cash-to-Debt has ranged from 0.04 to 3.65. According to the industry distribution chart, Banqup Group ranks #2630 out of 2845 companies in the Software industry, placing it in the top 92.4%.
Is Banqup Group's Cash-to-Debt too high?
Banqup Group's current Cash-to-Debt of 0.10 is 41% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 3.65. The Software industry median Cash-to-Debt is 2.48. Banqup Group's value of 0.10 is 96% below this industry median. Based on the distribution chart, Banqup Group ranks #2630 out of 2845 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Banqup Group has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Banqup Group's Cash-to-Debt compare to CRM and SHOP?
According to the Software industry distribution chart, Banqup Group ranks #2630 out of 2845 companies for Cash-to-Debt. This places Banqup Group in the lower half of its industry. The industry median Cash-to-Debt is 2.48. Banqup Group's value of 0.10 is 96% below this benchmark. Historically, Banqup Group's own Cash-to-Debt has ranged from 0.04 to 3.65 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 2.48, Banqup 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 a Software company?
The median Cash-to-Debt among Software companies is 2.48, based on 2,845 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. Banqup Group's current Cash-to-Debt of 0.10 is 96% 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. Banqup Group's current Cash-to-Debt is 0.10, which is 41% below median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banqup Group stock overvalued right now?
Banqup Group (CHIX:BANQB) has a current Cash-to-Debt of 0.10. The stock's GF Value™ is €3.37, compared to a current price of €3.35 — trading 0.6% below its estimated fair value. The current Cash-to-Debt is 0.10, which is 41% below median its 10-year median of 0.17 and 96% below the Software industry median of 2.48. Banqup Group's overall GF Score™ is 43/100 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 Banqup Group (CHIX:BANQB), the current Cash-to-Debt is 0.10 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 Banqup Group (CHIX:BANQB) Overvalued in 2026?
Based on GuruFocus' analysis, Banqup Group stock appears to be undervalued.
The current stock price of €3.35 is trading 0.6% below its estimated GF Value™ of €3.37.
Key valuation signals for CHIX:BANQB:
Cash-to-Debt: 0.10 (41% below median its 10-year median of 0.17)
GF Value™: €3.37 vs. price of €3.35 (0.6% below fair value)
Industry Position: 96% below the Software median (#2630 of 2845)
No single metric tells the full story. See the CHIX:BANQB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banqup Group SA provides integrated cloud-based SaaS solutions to streamline business transactions across the entire lifecycle, from e-invoicing and e-payments to tax reporting. The Group provides solutions for businesses, unifying purchase-to-pay, order-to-cash, e-invoicing compliance, and e-payments into one secure platform, removing the complexity of juggling disconnected tools. Its operating segments are: Digital Services, Traditional Communication Services, and Corporate. Maximum revenue is generated from the Digital Services segment, which groups CGUs Digital Document Processing and Payment: focusing on the core digital services of the Group, i.e., e-trust, e-invoicing, e-payments, and e-reporting. Geographically, the Group mainly operates across different markets in Europe.
43GF Score
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