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H2O AmericaHTO +0.43%70 Cash-to-Debt is 0.06 as of Jun. 2026, which is 500% above its 10-year median of 0.01. GuruFocus rates HTO with a GF Score™ of 70/100 and a GF Value™ of $54.22 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 482 Utilities - Regulated companies, H2O America ranks worse than 79.25% 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. H2O America's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.06.
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, H2O Americacouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for H2O America's Cash-to-Debt or its related term are showing as below:
HTO'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: 0.01 Max: 0.79
Current: 0.06
During the past 13 years, H2O America's highest Cash to Debt Ratio was 0.79. The lowest was 0.00. And the median was 0.01.
HTO's Cash-to-Debt is ranked worse than 79.25% of 482
companies
in the Utilities - Regulated industry
Industry Median: 0.22
vs HTO: 0.06
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.
H2O America Cash-to-Debt Related Terms
H2O America Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for H2O America'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 Utilities - Regulated Water subindustry, H2O America'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.
H2O America Cash-to-Debt vs Utilities - Regulated Industry
For the Utilities - Regulated industry and Utilities sector, H2O America's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where H2O America'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.
H2O America (HTO) has a Cash-to-Debt of 0.06 as of Jun. 2026. This is 500% above median its historical median of 0.01. According to the industry distribution chart, H2O America ranks #382 out of 482 companies in the Utilities - Regulated industry, placing it in the top 79.3%.
Is H2O America's Cash-to-Debt too high?
H2O America's current Cash-to-Debt of 0.06 is 500% above median its 10-year median of 0.01. The Utilities - Regulated industry median Cash-to-Debt is 0.22. H2O America's value of 0.06 is 72.7% below this industry median. Based on the distribution chart, H2O America ranks #382 out of 482 companies in the Utilities - Regulated industry, which is in the bottom quartile relative to peers. Overall, H2O America has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does H2O America's Cash-to-Debt compare to CWT and AWR?
According to the Utilities - Regulated industry distribution chart, H2O America ranks #382 out of 482 companies for Cash-to-Debt. This places H2O America in the lower half of its industry. The industry median Cash-to-Debt is 0.22. H2O America's value of 0.06 is 72.7% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 0.22, H2O America 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 an Utilities - Regulated company?
The median Cash-to-Debt among Utilities - Regulated companies is 0.22, based on 482 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. H2O America's current Cash-to-Debt of 0.06 is 72.7% 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 Utilities - Regulated industry, the median Cash-to-Debt is 0.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. H2O America's current Cash-to-Debt is 0.06, which is 500% above median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is H2O America stock overvalued right now?
Based on GuruFocus' analysis, H2O America (HTO) is currently considered Modestly Overvalued. The stock's GF Value™ is $54.22, compared to a current price of $62.57 — trading 15.4% above its estimated fair value. The current Cash-to-Debt is 0.06, which is 500% above median its 10-year median of 0.01 and 72.7% below the Utilities - Regulated industry median of 0.22. H2O America's overall GF Score™ is 70/100 with 10 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 H2O America (HTO), the current Cash-to-Debt is 0.06 as of Jun. 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 H2O America (HTO) Overvalued in 2026?
Based on GuruFocus' analysis, H2O America stock appears to be overvalued.
The current stock price of $62.57 is trading 15.4% above its estimated GF Value™ of $54.22.
GuruFocus considers H2O America to be Modestly Overvalued.
Key valuation signals for HTO:
Cash-to-Debt: 0.06 (500% above median its 10-year median of 0.01)
GF Value™: $54.22 vs. price of $62.57 (15.4% above fair value)
Industry Position: 72.7% below the Utilities - Regulated median (#382 of 482)
No single metric tells the full story. See the HTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
H2O America is a national investor-owned network of local water and wastewater utilities united by one purpose: delivering clean, high-quality water to the communities it calls home. Across approximately 407,000 water and wastewater service connections, the company invests in critical infrastructure to strengthen the water supply for generations to come. Its single reportable segment provides water utility and utility-related services to its customers.
70GF Score
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