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Pick N Pay StoresFRA:PIK +3.63%69 Cash-to-Debt is 0.18 as of Feb. 2026, which is 6% above its 10-year median of 0.17. GuruFocus rates FRA:PIK with a GF Score™ of 69/100 and a GF Value™ of €1.31 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,116 Retail - Cyclical companies, Pick N Pay Stores ranks worse than 71.06% 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. Pick N Pay Stores's cash to debt ratio for the quarter that ended in Feb. 2026 was 0.18.
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, Pick N Pay Storescouldn't pay off its debt using the cash in hand for the quarter that ended in Feb. 2026.
The historical rank and industry rank for Pick N Pay Stores's Cash-to-Debt or its related term are showing as below:
FRA:PIK'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.17 Max: 0.29
Current: 0.18
During the past 13 years, Pick N Pay Stores's highest Cash to Debt Ratio was 0.29. The lowest was 0.07. And the median was 0.17.
FRA:PIK's Cash-to-Debt is ranked worse than 71.06% of 1116
companies
in the Retail - Cyclical industry
Industry Median: 0.47
vs FRA:PIK: 0.18
Pick N Pay Stores (FRA:PIK) 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.
Pick N Pay Stores Cash-to-Debt Related Terms
Pick N Pay Stores Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Pick N Pay Stores'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 Department Stores subindustry, Pick N Pay Stores'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.
Pick N Pay Stores Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Pick N Pay Stores's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Pick N Pay Stores'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.
Pick N Pay Stores (FRA:PIK) has a Cash-to-Debt of 0.18 as of Feb. 2026. This is near median its historical median of 0.17. Over the past decade, Pick N Pay Stores' Cash-to-Debt has ranged from 0.07 to 0.29. According to the industry distribution chart, Pick N Pay Stores ranks #793 out of 1116 companies in the Retail - Cyclical industry, placing it in the top 71.1%.
Is Pick N Pay Stores' Cash-to-Debt too high?
Pick N Pay Stores' current Cash-to-Debt of 0.18 is near median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.29. The Retail - Cyclical industry median Cash-to-Debt is 0.47. Pick N Pay Stores' value of 0.18 is 61.7% below this industry median. Based on the distribution chart, Pick N Pay Stores ranks #793 out of 1116 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Pick N Pay Stores has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pick N Pay Stores' Cash-to-Debt compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, Pick N Pay Stores ranks #793 out of 1116 companies for Cash-to-Debt. This places Pick N Pay Stores in the lower half of its industry. The industry median Cash-to-Debt is 0.47. Pick N Pay Stores' value of 0.18 is 61.7% below this benchmark. Historically, Pick N Pay Stores' own Cash-to-Debt has ranged from 0.07 to 0.29 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.47, Pick N Pay Stores 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. Pick N Pay Stores's current Cash-to-Debt of 0.18 is 61.7% 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 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. Pick N Pay Stores's current Cash-to-Debt is 0.18, which is near median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pick N Pay Stores stock overvalued right now?
Based on GuruFocus' analysis, Pick N Pay Stores (FRA:PIK) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.31, compared to a current price of €1.00 — trading 23.7% below its estimated fair value. The current Cash-to-Debt is 0.18, which is near median its 10-year median of 0.17 and 61.7% below the Retail - Cyclical industry median of 0.47. Pick N Pay Stores' overall GF Score™ is 69/100 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 Pick N Pay Stores (FRA:PIK), the current Cash-to-Debt is 0.18 as of Feb. 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 Pick N Pay Stores (FRA:PIK) Overvalued in 2026?
Based on GuruFocus' analysis, Pick N Pay Stores stock appears to be undervalued.
The current stock price of €1.00 is trading 23.7% below its estimated GF Value™ of €1.31.
GuruFocus considers Pick N Pay Stores to be Modestly Undervalued.
Key valuation signals for FRA:PIK:
Cash-to-Debt: 0.18 (near median its 10-year median of 0.17)
GF Value™: €1.31 vs. price of €1.00 (23.7% below fair value)
Industry Position: 61.7% below the Retail - Cyclical median (#793 of 1116)
No single metric tells the full story. See the FRA:PIK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pick N Pay Stores Ltd is a South African multiformat and multichannel retailer. The company operates in South Africa, Namibia, Botswana, Zambia, Mauritius, Swaziland, and Lesotho. The company offers food and groceries, clothing, general merchandise, and services across multiple store formats, both franchised and owned. The customer base is mainly represented by middle-income South African consumer. The portfolio of stores is composed of supermarkets, hypermarkets, local shops, express shops, clothing shops, liquor stores, and others.
69GF Score
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