Repay HoldingsFRA:0YR +10.95%66 Cash-to-Debt is 0.11 as of Mar. 2026, which is 59% below its 10-year median of 0.27. GuruFocus rates FRA:0YR with a GF Score™ of 66/100 and a GF Value™ of €7.89. The stock has 3 warning signs investors should review. Among 2,835 Software companies, Repay Holdings ranks worse than 92.17% 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. Repay Holdings's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.11.
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, Repay Holdingscouldn'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 Repay Holdings's Cash-to-Debt or its related term are showing as below:
FRA:0YR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 0.27 Max: No Debt
Current: 0.11
During the past 9 years, Repay Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 0.01. And the median was 0.27.
FRA:0YR's Cash-to-Debt is ranked worse than 92.17% of 2835
companies
in the Software industry
Industry Median: 2.49
vs FRA:0YR: 0.11
Repay Holdings (FRA:0YR) 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.
Repay Holdings Cash-to-Debt Related Terms
Repay Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Repay Holdings'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.
FRA:0YR vs ARQQ, TLS, XNET: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, Repay Holdings'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.
Repay Holdings Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Repay Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Repay Holdings'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.
Repay Holdings (FRA:0YR) has a Cash-to-Debt of 0.11 as of Mar. 2026. This is 59% below median its historical median of 0.27. Over the past decade, Repay Holdings' Cash-to-Debt has ranged from 0.01 to 10,000.00. According to the industry distribution chart, Repay Holdings ranks #2613 out of 2835 companies in the Software industry, placing it in the top 92.2%.
Is Repay Holdings' Cash-to-Debt too high?
Repay Holdings' current Cash-to-Debt of 0.11 is 59% below median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.49. Repay Holdings' value of 0.11 is 95.6% below this industry median. Based on the distribution chart, Repay Holdings ranks #2613 out of 2835 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Repay Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' Cash-to-Debt compare to ARQQ and TLS?
According to the Software industry distribution chart, Repay Holdings ranks #2613 out of 2835 companies for Cash-to-Debt. This places Repay Holdings in the lower half of its industry. The industry median Cash-to-Debt is 2.49. Repay Holdings' value of 0.11 is 95.6% below this benchmark. Historically, Repay Holdings' own Cash-to-Debt has ranged from 0.01 to 10,000.00 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 2.49, Repay Holdings 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 2,835 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. Repay Holdings's current Cash-to-Debt of 0.11 is 95.6% 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. Repay Holdings's current Cash-to-Debt is 0.11, which is 59% below median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repay Holdings stock overvalued right now?
Repay Holdings (FRA:0YR) has a current Cash-to-Debt of 0.11. The stock's GF Value™ is €7.89, compared to a current price of €3.04 — trading 61.5% below its estimated fair value. The current Cash-to-Debt is 0.11, which is 59% below median its 10-year median of 0.27 and 95.6% below the Software industry median of 2.49. Repay Holdings' overall GF Score™ is 66/100 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 Repay Holdings (FRA:0YR), the current Cash-to-Debt is 0.11 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 Repay Holdings (FRA:0YR) Overvalued in 2026?
Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued.
The current stock price of €3.04 is trading 61.5% below its estimated GF Value™ of €7.89.
Key valuation signals for FRA:0YR:
Cash-to-Debt: 0.11 (59% below median its 10-year median of 0.27)
GF Value™: €7.89 vs. price of €3.04 (61.5% below fair value)
Industry Position: 95.6% below the Software median (#2613 of 2835)
No single metric tells the full story. See the FRA:0YR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repay Holdings Corp is a payments technology company. It provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in two segments Consumer Payments and Business Payments. The company generates majority of its revenue from Consumer Payments segment.
66GF Score
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