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Cipher DigitalCIFR +3.03%38 Cash-to-Debt is 0.73 as of Jun. 2026, which is 13% below its 10-year median of 0.84. GuruFocus rates CIFR with a GF Score™ of 38/100 and a GF Value™ of $5.79 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 2,843 Software companies, Cipher Digital ranks worse than 89.52% 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. Cipher Digital's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.73.
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, Cipher Digitalcouldn'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 Cipher Digital's Cash-to-Debt or its related term are showing as below:
CIFR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06 Med: 0.84 Max: No Debt
Current: 0.15
During the past 6 years, Cipher Digital's highest Cash to Debt Ratio was No Debt. The lowest was 0.06. And the median was 0.84.
CIFR's Cash-to-Debt is ranked worse than 89.52% of 2843
companies
in the Software industry
Industry Median: 2.49
vs CIFR: 0.15
Cipher Digital (NAS:CIFR) 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.
Cipher Digital Cash-to-Debt Related Terms
Cipher Digital Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Cipher Digital'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.
For the Information Technology Services subindustry, Cipher Digital'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.
Cipher Digital Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Cipher Digital's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Cipher Digital'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.
Cipher Digital (CIFR) has a Cash-to-Debt of 0.73 as of Jun. 2026. This is 13% below median its historical median of 0.84. Over the past decade, Cipher Digital's Cash-to-Debt has ranged from 0.06 to 10,000.00. According to the industry distribution chart, Cipher Digital ranks #2545 out of 2843 companies in the Software industry, placing it in the top 89.5%.
Is Cipher Digital's Cash-to-Debt too high?
Cipher Digital's current Cash-to-Debt of 0.73 is 13% below median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.49. Cipher Digital's value of 0.73 is 70.7% below this industry median. Based on the distribution chart, Cipher Digital ranks #2545 out of 2843 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Cipher Digital has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cipher Digital's Cash-to-Debt compare to G and INGM?
According to the Software industry distribution chart, Cipher Digital ranks #2545 out of 2843 companies for Cash-to-Debt. This places Cipher Digital in the lower half of its industry. The industry median Cash-to-Debt is 2.49. Cipher Digital's value of 0.73 is 70.7% below this benchmark. Historically, Cipher Digital's own Cash-to-Debt has ranged from 0.06 to 10,000.00 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 2.49, Cipher Digital 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 2.49, based on 2,843 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. Cipher Digital's current Cash-to-Debt of 0.73 is 70.7% 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 2.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cipher Digital's current Cash-to-Debt is 0.73, which is 13% below median its own 10-year median of 0.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cipher Digital stock overvalued right now?
Based on GuruFocus' analysis, Cipher Digital (CIFR) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.79, compared to a current price of $18.90 — trading 226.4% above its estimated fair value. The current Cash-to-Debt is 0.73, which is 13% below median its 10-year median of 0.84 and 70.7% below the Software industry median of 2.49. Cipher Digital's overall GF Score™ is 38/100 with 7 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 Cipher Digital (CIFR), the current Cash-to-Debt is 0.73 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 Cipher Digital (CIFR) Overvalued in 2026?
Based on GuruFocus' analysis, Cipher Digital stock appears to be overvalued.
The current stock price of $18.90 is trading 226.4% above its estimated GF Value™ of $5.79.
GuruFocus considers Cipher Digital to be Significantly Overvalued.
Key valuation signals for CIFR:
Cash-to-Debt: 0.73 (13% below median its 10-year median of 0.84)
GF Value™: $5.79 vs. price of $18.90 (226.4% above fair value)
Industry Position: 70.7% below the Software median (#2545 of 2843)
No single metric tells the full story. See the CIFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cipher Digital Inc is focused on high-performance computing (HPC) data center development and operations. It is engaged in developing and operating data centers designed for HPC workloads. Its operations include managing power assets and capital allocation in response to market conditions and demand for AI-related computing capacity.
38GF Score
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