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InRetail PeruINREF +8.56%67 Cash-to-Debt is 0.20 as of Mar. 2026, which is 67% above its 10-year median of 0.12. GuruFocus rates INREF with a GF Score™ of 67/100 and a GF Value™ of $23.82. The stock has 10 warning signs investors should review. Among 1,123 Retail - Cyclical companies, InRetail Peru ranks worse than 69.63% 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. InRetail Peru's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.20.
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, InRetail Perucouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for InRetail Peru's Cash-to-Debt or its related term are showing as below:
INREF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.12 Max: 0.23
Current: 0.2
During the past 13 years, InRetail Peru's highest Cash to Debt Ratio was 0.23. The lowest was 0.07. And the median was 0.12.
INREF's Cash-to-Debt is ranked worse than 69.63% of 1123
companies
in the Retail - Cyclical industry
Industry Median: 0.49
vs INREF: 0.20
InRetail Peru (OTCPK:INREF) 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.
InRetail Peru Cash-to-Debt Related Terms
InRetail Peru Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for InRetail Peru'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, InRetail Peru'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.
InRetail Peru Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, InRetail Peru's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where InRetail Peru'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.
InRetail Peru (INREF) has a Cash-to-Debt of 0.20 as of Mar. 2026. This is 67% above median its historical median of 0.12. Over the past decade, InRetail Peru's Cash-to-Debt has ranged from 0.07 to 0.23. According to the industry distribution chart, InRetail Peru ranks #782 out of 1123 companies in the Retail - Cyclical industry, placing it in the top 69.6%.
Is InRetail Peru's Cash-to-Debt too high?
InRetail Peru's current Cash-to-Debt of 0.20 is 67% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.23. The Retail - Cyclical industry median Cash-to-Debt is 0.49. InRetail Peru's value of 0.20 is 59.2% below this industry median. Based on the distribution chart, InRetail Peru ranks #782 out of 1123 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, InRetail Peru has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does InRetail Peru's Cash-to-Debt compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, InRetail Peru ranks #782 out of 1123 companies for Cash-to-Debt. This places InRetail Peru in the lower half of its industry. The industry median Cash-to-Debt is 0.49. InRetail Peru's value of 0.20 is 59.2% below this benchmark. Historically, InRetail Peru's own Cash-to-Debt has ranged from 0.07 to 0.23 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.49, InRetail Peru 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 0.49, 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. InRetail Peru's current Cash-to-Debt of 0.20 is 59.2% 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 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. InRetail Peru's current Cash-to-Debt is 0.20, which is 67% above median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InRetail Peru stock overvalued right now?
InRetail Peru (INREF) has a current Cash-to-Debt of 0.20. The stock's GF Value™ is $23.82, compared to a current price of $26.84 — trading 12.7% above its estimated fair value. The current Cash-to-Debt is 0.20, which is 67% above median its 10-year median of 0.12 and 59.2% below the Retail - Cyclical industry median of 0.49. InRetail Peru's overall GF Score™ is 67/100 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 InRetail Peru (INREF), the current Cash-to-Debt is 0.20 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.
Is InRetail Peru (INREF) Overvalued in 2026?
Based on GuruFocus' analysis, InRetail Peru stock appears to be overvalued.
The current stock price of $26.84 is trading 12.7% above its estimated GF Value™ of $23.82.
Key valuation signals for INREF:
Cash-to-Debt: 0.20 (67% above median its 10-year median of 0.12)
GF Value™: $23.82 vs. price of $26.84 (12.7% above fair value)
Industry Position: 59.2% below the Retail - Cyclical median (#782 of 1123)
No single metric tells the full story. See the INREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
InRetail Peru Corp operates supermarkets, hypermarkets, pharmacies and shopping centers, as well as real estate development and digital services. Its operations are concentrated in Peru; however, it maintains operations in the exterior mainly related to the commercialization of pharmaceuticals and consumer products. The company's reportable segments include: i) Food Retail, ii) Pharmacies, iii) Shopping Malls and iv) Digital. It generates the majority of its revenue from the Food Retail segment. Geographically, it derives a majority of its revenue from Peru and also has a presence in Ecuador and Other countries. The company brands include Plaza Vea, Plaza Vea Super, Plaza Vea Express, Vivanda, Mass, and Makro brands.
67GF Score
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