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i3 VerticalsIIIV -2.89%60 Cash-to-Debt is 0.02 as of Jun. 2026, which is at its 10-year median of 0.02. GuruFocus rates IIIV with a GF Score™ of 60/100 and a GF Value™ of $32.30 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 2,840 Software companies, i3 Verticals ranks worse than 97.85% 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. i3 Verticals's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.02.
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, i3 Verticalscouldn'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 i3 Verticals's Cash-to-Debt or its related term are showing as below:
IIIV'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: 0.02 Max: 13.92
Current: 0.02
During the past 10 years, i3 Verticals's highest Cash to Debt Ratio was 13.92. The lowest was 0.00. And the median was 0.02.
IIIV's Cash-to-Debt is ranked worse than 97.85% of 2840
companies
in the Software industry
Industry Median: 2.505
vs IIIV: 0.02
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.
i3 Verticals Cash-to-Debt Related Terms
i3 Verticals Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for i3 Verticals'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 Software - Infrastructure subindustry, i3 Verticals'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.
i3 Verticals Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, i3 Verticals's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where i3 Verticals'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.
i3 Verticals (IIIV) has a Cash-to-Debt of 0.02 as of Jun. 2026. This is near median its historical median of 0.02. According to the industry distribution chart, i3 Verticals ranks #2779 out of 2840 companies in the Software industry, placing it in the top 97.9%.
Is i3 Verticals' Cash-to-Debt too high?
i3 Verticals' current Cash-to-Debt of 0.02 is near median its 10-year median of 0.02. The Software industry median Cash-to-Debt is 2.51. i3 Verticals' value of 0.02 is 99.2% below this industry median. Based on the distribution chart, i3 Verticals ranks #2779 out of 2840 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, i3 Verticals has a GF Score™ of 60/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does i3 Verticals' Cash-to-Debt compare to PDYN and RPAY?
According to the Software industry distribution chart, i3 Verticals ranks #2779 out of 2840 companies for Cash-to-Debt. This places i3 Verticals in the lower half of its industry. The industry median Cash-to-Debt is 2.51. i3 Verticals' value of 0.02 is 99.2% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 2.51, i3 Verticals 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 2.51, based on 2,840 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. i3 Verticals's current Cash-to-Debt of 0.02 is 99.2% 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 2.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. i3 Verticals's current Cash-to-Debt is 0.02, which is near median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is i3 Verticals stock overvalued right now?
Based on GuruFocus' analysis, i3 Verticals (IIIV) is currently considered Possible Value Trap. The stock's GF Value™ is $32.30, compared to a current price of $15.81 — trading 51.1% below its estimated fair value. The current Cash-to-Debt is 0.02, which is near median its 10-year median of 0.02 and 99.2% below the Software industry median of 2.51. i3 Verticals' overall GF Score™ is 60/100 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 i3 Verticals (IIIV), the current Cash-to-Debt is 0.02 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 i3 Verticals (IIIV) Overvalued in 2026?
Based on GuruFocus' analysis, i3 Verticals stock appears to be undervalued.
The current stock price of $15.81 is trading 51.1% below its estimated GF Value™ of $32.30.
GuruFocus considers i3 Verticals to be Possible Value Trap.
Key valuation signals for IIIV:
Cash-to-Debt: 0.02 (near median its 10-year median of 0.02)
GF Value™: $32.30 vs. price of $15.81 (51.1% below fair value)
Industry Position: 99.2% below the Software median (#2779 of 2840)
No single metric tells the full story. See the IIIV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
i3 Verticals Inc provides mission-critical enterprise software solutions to public sector entities. These comprehensive cloud-native solutions address a broad range of government functions, including courts and public safety, public administration, utilities, transportation and schools. The company generates the majority of revenue from software and related services, including the sale of subscriptions, recurring services, ongoing support, licenses, and installation and implementation services specific to software.
60GF Score
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