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HomestolifeHTLM -1.36%21 Cash-to-Debt is 2.43 as of Mar. 2026, which is 111% above its 10-year median of 1.15. GuruFocus rates HTLM with a GF Score™ of 21/100. Among 1,123 Retail - Cyclical companies, Homestolife ranks better than 78.63% 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. Homestolife's cash to debt ratio for the quarter that ended in Mar. 2026 was 2.43.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Homestolifecould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Homestolife's Cash-to-Debt or its related term are showing as below:
HTLM'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13 Med: 1.15 Max: 2.43
Current: 2.43
During the past 5 years, Homestolife's highest Cash to Debt Ratio was 2.43. The lowest was 0.13. And the median was 1.15.
HTLM's Cash-to-Debt is ranked better than 78.63% of 1123
companies
in the Retail - Cyclical industry
Industry Median: 0.49
vs HTLM: 2.43
Homestolife (NAS:HTLM) 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.
Homestolife Cash-to-Debt Related Terms
Homestolife Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Homestolife'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 Specialty Retail subindustry, Homestolife'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.
Homestolife Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Homestolife's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Homestolife'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.
Homestolife (HTLM) has a Cash-to-Debt of 2.43 as of Mar. 2026. This is 111% above median its historical median of 1.15. Over the past decade, Homestolife's Cash-to-Debt has ranged from 0.13 to 2.43. According to the industry distribution chart, Homestolife ranks #240 out of 1123 companies in the Retail - Cyclical industry, placing it in the top 21.4%.
Is Homestolife's Cash-to-Debt too high?
Homestolife's current Cash-to-Debt of 2.43 is 111% above median its 10-year median of 1.15. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 2.43. The Retail - Cyclical industry median Cash-to-Debt is 0.49. Homestolife's value of 2.43 is 395.9% above this industry median. Based on the distribution chart, Homestolife ranks #240 out of 1123 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Homestolife has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Homestolife's Cash-to-Debt compare to CHPT and ONEW?
According to the Retail - Cyclical industry distribution chart, Homestolife ranks #240 out of 1123 companies for Cash-to-Debt. This places Homestolife in the top 21% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.49. Homestolife's value of 2.43 is 395.9% above this benchmark. Historically, Homestolife's own Cash-to-Debt has ranged from 0.13 to 2.43 over the past decade. While the company's 10-year median is 1.15 vs. the industry median of 0.49, Homestolife 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 0.49, based on 1,123 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. Homestolife's current Cash-to-Debt of 2.43 is 395.9% 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 0.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Homestolife's current Cash-to-Debt is 2.43, which is 111% above median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Homestolife stock overvalued right now?
Homestolife (HTLM) has a current Cash-to-Debt of 2.43. The current Cash-to-Debt is 2.43, which is 111% above median its 10-year median of 1.15 and 395.9% above the Retail - Cyclical industry median of 0.49. Homestolife's overall GF Score™ is 21/100. 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 Homestolife (HTLM), the current Cash-to-Debt is 2.43 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.
HomesToLife Ltd is a home furniture company. The company provides end-to-end logistics solutions covering freight, customs, insurance, and shipping, from factory pick-up in China, Vietnam, and India to last-mile delivery. Its segments include Export Sales, which generates maximum revenue and focuses on business-to-business wholesale of upholstered furniture to retailers and distributors; Leather Trading, which procures raw hides and supplies leather materials for upholstered furniture manufacturing; and Retail, which operates in Singapore and South Korea, selling upholstered furniture and home furnishing products through retail stores and digital platforms. The company operates across Asia Pacific, Europe, and North America.
21GF Score
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