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Expert .AI SpAEXSPF 55 Cash-to-Debt is 0.64 as of Dec. 2025, which is 30% below its 10-year median of 0.92. GuruFocus rates EXSPF with a GF Score™ of 55/100 and a GF Value™ of $1.89 (Fairly Valued). The stock has 3 warning signs investors should review. Among 2,796 Software companies, Expert .AI SpA ranks worse than 71.42% 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. Expert .AI SpA's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.64.
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, Expert .AI SpAcouldn'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 Expert .AI SpA's Cash-to-Debt or its related term are showing as below:
EXSPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.63 Med: 0.92 Max: No Debt
Current: 0.64
During the past 13 years, Expert .AI SpA's highest Cash to Debt Ratio was No Debt. The lowest was 0.63. And the median was 0.92.
EXSPF's Cash-to-Debt is ranked worse than 71.42% of 2796
companies
in the Software industry
Industry Median: 2.555
vs EXSPF: 0.64
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.
Expert .AI SpA Cash-to-Debt Related Terms
Expert .AI SpA Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Expert .AI SpA'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 Software - Application subindustry, Expert .AI SpA'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.
Expert .AI SpA Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Expert .AI SpA's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Expert .AI SpA'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.
Expert .AI SpA (EXSPF) has a Cash-to-Debt of 0.64 as of Dec. 2025. This is 30% below median its historical median of 0.92. Over the past decade, Expert .AI SpA's Cash-to-Debt has ranged from 0.63 to 10,000.00. According to the industry distribution chart, Expert .AI SpA ranks #1997 out of 2796 companies in the Software industry, placing it in the top 71.4%.
Is Expert .AI SpA's Cash-to-Debt too high?
Expert .AI SpA's current Cash-to-Debt of 0.64 is 30% below median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.56. Expert .AI SpA's value of 0.64 is 75% below this industry median. Based on the distribution chart, Expert .AI SpA ranks #1997 out of 2796 companies in the Software industry, which is below the industry midpoint. Overall, Expert .AI SpA has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Expert .AI SpA's Cash-to-Debt compare to QH and SHOP?
According to the Software industry distribution chart, Expert .AI SpA ranks #1997 out of 2796 companies for Cash-to-Debt. This places Expert .AI SpA in the lower half of its industry. The industry median Cash-to-Debt is 2.56. Expert .AI SpA's value of 0.64 is 75% below this benchmark. Historically, Expert .AI SpA's own Cash-to-Debt has ranged from 0.63 to 10,000.00 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 2.56, Expert .AI SpA 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 2.56, based on 2,796 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. Expert .AI SpA's current Cash-to-Debt of 0.64 is 75% 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 2.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Expert .AI SpA's current Cash-to-Debt is 0.64, which is 30% below median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Expert .AI SpA stock overvalued right now?
Based on GuruFocus' analysis, Expert .AI SpA (EXSPF) is currently considered Fairly Valued. The stock's GF Value™ is $1.89, compared to a current price of $1.83 — trading 3.2% below its estimated fair value. The current Cash-to-Debt is 0.64, which is 30% below median its 10-year median of 0.92 and 75% below the Software industry median of 2.56. Expert .AI SpA's overall GF Score™ is 55/100 with 3 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 Expert .AI SpA (EXSPF), the current Cash-to-Debt is 0.64 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 Expert .AI SpA (EXSPF) Overvalued in 2026?
Based on GuruFocus' analysis, Expert .AI SpA stock appears to be undervalued.
The current stock price of $1.83 is trading 3.2% below its estimated GF Value™ of $1.89.
GuruFocus considers Expert .AI SpA to be Fairly Valued.
Key valuation signals for EXSPF:
Cash-to-Debt: 0.64 (30% below median its 10-year median of 0.92)
GF Value™: $1.89 vs. price of $1.83 (3.2% below fair value)
Industry Position: 75% below the Software median (#1997 of 2796)
No single metric tells the full story. See the EXSPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Expert .AI SpA is an artificial intelligence platform for language understanding. Its platform for Natural Language combines symbolic human-like comprehension and machine learning to transform language-intensive processes into practical knowledge, providing the insight required to improve decision making throughout organizations. It offers full range of on-premise, private and public cloud offerings, expert.ai augments business operations, accelerates and scales data science capabilities and simplifies AI adoption across a vast range of industries including Insurance, Banking & Finance, Publishing & Media, Defense & Intelligence, Life Science & Pharma, Oil Gas & Energy, and more.
55GF Score
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