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Urban OutfittersFRA:UOF -2.40%92 Cash-to-Debt is 0.59 as of Jul. 2026, which is 31% above its 10-year median of 0.45. GuruFocus rates FRA:UOF with a GF Score™ of 92/100 and a GF Value™ of €60.53. The stock has 2 warning signs investors should review. Among 1,119 Retail - Cyclical companies, Urban Outfitters ranks better than 55.59% 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. Urban Outfitters's cash to debt ratio for the quarter that ended in Jul. 2026 was 0.59.
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, Urban Outfitterscouldn't pay off its debt using the cash in hand for the quarter that ended in Jul. 2026.
The historical rank and industry rank for Urban Outfitters's Cash-to-Debt or its related term are showing as below:
FRA:UOF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 0.45 Max: No Debt
Current: 0.59
During the past 13 years, Urban Outfitters's highest Cash to Debt Ratio was No Debt. The lowest was 0.23. And the median was 0.45.
FRA:UOF's Cash-to-Debt is ranked better than 55.59% of 1119
companies
in the Retail - Cyclical industry
Industry Median: 0.46
vs FRA:UOF: 0.59
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.
Urban Outfitters Cash-to-Debt Related Terms
Urban Outfitters Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Urban Outfitters'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:UOF vs VSXY, ANF, GAP: Cash-to-Debt Comparison
For the Apparel Retail subindustry, Urban Outfitters'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.
Urban Outfitters Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Urban Outfitters's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Urban Outfitters'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.
Urban Outfitters (FRA:UOF) has a Cash-to-Debt of 0.59 as of Jul. 2026. This is 31% above median its historical median of 0.45. Over the past decade, Urban Outfitters' Cash-to-Debt has ranged from 0.23 to 10,000.00. According to the industry distribution chart, Urban Outfitters ranks #497 out of 1119 companies in the Retail - Cyclical industry, placing it in the top 44.4%.
Is Urban Outfitters' Cash-to-Debt too high?
Urban Outfitters' current Cash-to-Debt of 0.59 is 31% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 10,000.00. The Retail - Cyclical industry median Cash-to-Debt is 0.46. Urban Outfitters' value of 0.59 is 28.3% above this industry median. Based on the distribution chart, Urban Outfitters ranks #497 out of 1119 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Urban Outfitters has a GF Score™ of 92/100, reflecting its overall financial health beyond just this single metric.
How does Urban Outfitters' Cash-to-Debt compare to VSXY and ANF?
According to the Retail - Cyclical industry distribution chart, Urban Outfitters ranks #497 out of 1119 companies for Cash-to-Debt. This puts Urban Outfitters in the upper half of its industry. The industry median Cash-to-Debt is 0.46. Urban Outfitters' value of 0.59 is 28.3% above this benchmark. Historically, Urban Outfitters' own Cash-to-Debt has ranged from 0.23 to 10,000.00 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.46, Urban Outfitters has consistently been above 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 0.46, based on 1,119 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. Urban Outfitters's current Cash-to-Debt of 0.59 is 28.3% above 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 0.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Urban Outfitters's current Cash-to-Debt is 0.59, which is 31% above median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Urban Outfitters stock overvalued right now?
Urban Outfitters (FRA:UOF) has a current Cash-to-Debt of 0.59. The stock's GF Value™ is €60.53, compared to a current price of €65.88 — trading 8.8% above its estimated fair value. The current Cash-to-Debt is 0.59, which is 31% above median its 10-year median of 0.45 and 28.3% above the Retail - Cyclical industry median of 0.46. Urban Outfitters' overall GF Score™ is 92/100 with 2 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 Urban Outfitters (FRA:UOF), the current Cash-to-Debt is 0.59 as of Jul. 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 Urban Outfitters (FRA:UOF) Overvalued in 2026?
Based on GuruFocus' analysis, Urban Outfitters stock appears to be overvalued.
The current stock price of €65.88 is trading 8.8% above its estimated GF Value™ of €60.53.
Key valuation signals for FRA:UOF:
Cash-to-Debt: 0.59 (31% above median its 10-year median of 0.45)
GF Value™: €60.53 vs. price of €65.88 (8.8% above fair value)
Industry Position: 28.3% above the Retail - Cyclical median (#497 of 1119)
No single metric tells the full story. See the FRA:UOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1970, Philadelphia-based Urban Outfitters is a multibrand apparel and home goods retailer that operates nearly 800 stores and e-commerce in the US, which accounts for about 87% of sales, as well as in other regions. Its retail nameplates are Urban Outfitters (22% of fiscal 2026 sales), Free People/Movement (26%), and Anthropologie (42%). Retail accounted for 86% of fiscal 2026 revenue, but Urban Outfitters also sells products through a wholesale operation, owns some restaurants, and operates a fast-growing clothing rental and resale business called Nuuly (9% of sales). Urban Outfitters primarily markets to young adults and offers products across apparel (66% of sales), home goods (16% of sales), accessories (13% of sales), and more.
92GF Score
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