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Spire Healthcare GroupCHIX:SPIL -0.62%72 Cash-to-Debt is 0.03 as of Dec. 2025, which is 40% below its 10-year median of 0.05. GuruFocus rates CHIX:SPIL with a GF Score™ of 72/100 and a GF Value™ of £2.73 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 671 Healthcare Providers & Services companies, Spire Healthcare Group ranks worse than 94.49% 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. Spire Healthcare Group's cash to debt ratio for the quarter that ended in Dec. 2025 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, Spire Healthcare Groupcouldn'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 Spire Healthcare Group's Cash-to-Debt or its related term are showing as below:
CHIX:SPIl'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.05 Max: 0.16
Current: 0.03
During the past 13 years, Spire Healthcare Group's highest Cash to Debt Ratio was 0.16. The lowest was 0.03. And the median was 0.05.
CHIX:SPIl's Cash-to-Debt is ranked worse than 94.49% of 671
companies
in the Healthcare Providers & Services industry
Industry Median: 0.8
vs CHIX:SPIl: 0.03
Spire Healthcare Group (CHIX:SPIl) 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.
Spire Healthcare Group Cash-to-Debt Related Terms
Spire Healthcare Group 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.
CHIX:SPIL vs HCA, THC, EHC: Cash-to-Debt Comparison
For the Medical Care Facilities subindustry, Spire Healthcare 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.
Spire Healthcare Group Cash-to-Debt vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Spire Healthcare Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Spire Healthcare 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.
Spire Healthcare Group (CHIX:SPIL) has a Cash-to-Debt of 0.03 as of Dec. 2025. This is 40% below median its historical median of 0.05. Over the past decade, Spire Healthcare Group's Cash-to-Debt has ranged from 0.03 to 0.16. According to the industry distribution chart, Spire Healthcare Group ranks #634 out of 671 companies in the Healthcare Providers & Services industry, placing it in the top 94.5%.
Is Spire Healthcare Group's Cash-to-Debt too high?
Spire Healthcare Group's current Cash-to-Debt of 0.03 is 40% below median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.16. The Healthcare Providers & Services industry median Cash-to-Debt is 0.80. Spire Healthcare Group's value of 0.03 is 96.3% below this industry median. Based on the distribution chart, Spire Healthcare Group ranks #634 out of 671 companies in the Healthcare Providers & Services industry, which is in the bottom quartile relative to peers. Overall, Spire Healthcare Group has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Spire Healthcare Group's Cash-to-Debt compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, Spire Healthcare Group ranks #634 out of 671 companies for Cash-to-Debt. This places Spire Healthcare Group in the lower half of its industry. The industry median Cash-to-Debt is 0.80. Spire Healthcare Group's value of 0.03 is 96.3% below this benchmark. Historically, Spire Healthcare Group's own Cash-to-Debt has ranged from 0.03 to 0.16 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.80, Spire Healthcare 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 Healthcare Providers & Services company?
The median Cash-to-Debt among Healthcare Providers & Services companies is 0.80, based on 671 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. Spire Healthcare Group's current Cash-to-Debt of 0.03 is 96.3% 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 Healthcare Providers & Services industry, the median Cash-to-Debt is 0.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spire Healthcare Group's current Cash-to-Debt is 0.03, which is 40% below median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spire Healthcare Group stock overvalued right now?
Based on GuruFocus' analysis, Spire Healthcare Group (CHIX:SPIL) is currently considered Modestly Undervalued. The stock's GF Value™ is £2.73, compared to a current price of £2.39 — trading 12.4% below its estimated fair value. The current Cash-to-Debt is 0.03, which is 40% below median its 10-year median of 0.05 and 96.3% below the Healthcare Providers & Services industry median of 0.80. Spire Healthcare Group's overall GF Score™ is 72/100 with 10 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 Spire Healthcare Group (CHIX:SPIL), the current Cash-to-Debt is 0.03 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 Spire Healthcare Group (CHIX:SPIL) Overvalued in 2026?
Based on GuruFocus' analysis, Spire Healthcare Group stock appears to be undervalued.
The current stock price of £2.39 is trading 12.4% below its estimated GF Value™ of £2.73.
GuruFocus considers Spire Healthcare Group to be Modestly Undervalued.
Key valuation signals for CHIX:SPIL:
Cash-to-Debt: 0.03 (40% below median its 10-year median of 0.05)
GF Value™: £2.73 vs. price of £2.39 (12.4% below fair value)
Industry Position: 96.3% below the Healthcare Providers & Services median (#634 of 671)
No single metric tells the full story. See the CHIX:SPIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Spire Healthcare Group PLC is an independent hospital group in the United Kingdom. It is a private provider, by volume, of knee and hip operations in the United Kingdom. The company has two operating segments: the hospitals business and the Primary care. The company generates the majority of its revenue from Hospital Business, which consists of hospitals, clinics, medical centres and consulting rooms. The company provide diagnostics, inpatient, day case and outpatient care in areas including orthopaedics, gynaecology, cardiology, neurology, oncology and general surgery. The primary care segment encompasses services focused on the primary care needs of outpatients, including GP services, occupational health services or mental and physical health services.
72GF Score
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