Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Topps TilesCHIX:TPTL +0.28%44 Cash-to-Debt is 0.14 as of Mar. 2026, which is 39% below its 10-year median of 0.23. GuruFocus rates CHIX:TPTL with a GF Score™ of 44/100 and a GF Value™ of £0.45 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,116 Retail - Cyclical companies, Topps Tiles ranks worse than 76.79% 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. Topps Tiles's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.14.
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, Topps Tilescouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Topps Tiles's Cash-to-Debt or its related term are showing as below:
CHIX:TPTl'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12 Med: 0.23 Max: 0.63
Current: 0.14
During the past 13 years, Topps Tiles's highest Cash to Debt Ratio was 0.63. The lowest was 0.12. And the median was 0.23.
CHIX:TPTl's Cash-to-Debt is ranked worse than 76.79% of 1116
companies
in the Retail - Cyclical industry
Industry Median: 0.47
vs CHIX:TPTl: 0.14
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.
Topps Tiles Cash-to-Debt Related Terms
Topps Tiles Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Topps Tiles'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:TPTL vs HD, LOW, FND: Cash-to-Debt Comparison
For the Home Improvement Retail subindustry, Topps Tiles'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.
Topps Tiles Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Topps Tiles's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Topps Tiles'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.
Topps Tiles (CHIX:TPTL) has a Cash-to-Debt of 0.14 as of Mar. 2026. This is 39% below median its historical median of 0.23. Over the past decade, Topps Tiles' Cash-to-Debt has ranged from 0.12 to 0.63. According to the industry distribution chart, Topps Tiles ranks #857 out of 1116 companies in the Retail - Cyclical industry, placing it in the top 76.8%.
Is Topps Tiles' Cash-to-Debt too high?
Topps Tiles' current Cash-to-Debt of 0.14 is 39% below median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.63. The Retail - Cyclical industry median Cash-to-Debt is 0.47. Topps Tiles' value of 0.14 is 70.2% below this industry median. Based on the distribution chart, Topps Tiles ranks #857 out of 1116 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Topps Tiles has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Topps Tiles' Cash-to-Debt compare to HD and LOW?
According to the Retail - Cyclical industry distribution chart, Topps Tiles ranks #857 out of 1116 companies for Cash-to-Debt. This places Topps Tiles in the lower half of its industry. The industry median Cash-to-Debt is 0.47. Topps Tiles' value of 0.14 is 70.2% below this benchmark. Historically, Topps Tiles' own Cash-to-Debt has ranged from 0.12 to 0.63 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.47, Topps Tiles 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 Retail - Cyclical company?
The median Cash-to-Debt among Retail - Cyclical companies is 0.47, based on 1,116 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. Topps Tiles's current Cash-to-Debt of 0.14 is 70.2% 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 Retail - Cyclical industry, the median Cash-to-Debt is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Topps Tiles's current Cash-to-Debt is 0.14, which is 39% below median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Topps Tiles stock overvalued right now?
Based on GuruFocus' analysis, Topps Tiles (CHIX:TPTL) is currently considered Modestly Undervalued. The stock's GF Value™ is £0.45, compared to a current price of £0.36 — trading 20% below its estimated fair value. The current Cash-to-Debt is 0.14, which is 39% below median its 10-year median of 0.23 and 70.2% below the Retail - Cyclical industry median of 0.47. Topps Tiles' overall GF Score™ is 44/100 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 Topps Tiles (CHIX:TPTL), the current Cash-to-Debt is 0.14 as of Mar. 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 Topps Tiles (CHIX:TPTL) Overvalued in 2026?
Based on GuruFocus' analysis, Topps Tiles stock appears to be undervalued.
The current stock price of £0.36 is trading 20% below its estimated GF Value™ of £0.45.
GuruFocus considers Topps Tiles to be Modestly Undervalued.
Key valuation signals for CHIX:TPTL:
Cash-to-Debt: 0.14 (39% below median its 10-year median of 0.23)
GF Value™: £0.45 vs. price of £0.36 (20% below fair value)
Industry Position: 70.2% below the Retail - Cyclical median (#857 of 1116)
No single metric tells the full story. See the CHIX:TPTL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Topps Tiles PLC is a tile and flooring retailer in the UK. The company focuses on selling ceramic and porcelain tiles, natural stone, and related products for homes and businesses. It offers products such as bathroom tiles, kitchen tiles, floor tiles, wall tiles, mosaic tiles, natural stone, and other tools and essentials. The company operates in the UK, the EU, and the rest of the world, and generates the majority of its revenue from sales in the UK.
44GF Score
Get the complete analysis for CHIX:TPTL
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:TPTL has been successfully added to your 
