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Intelligent GroupINTJ -0.38%41 Cash-to-Debt is 25.24 as of Nov. 2025, which is 100% above its 10-year median of 12.59. GuruFocus rates INTJ with a GF Score™ of 41/100. The stock has 3 warning signs investors should review. Among 1,069 Business Services companies, Intelligent Group ranks better than 84.1% 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. Intelligent Group's cash to debt ratio for the quarter that ended in Nov. 2025 was 25.24.
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, Intelligent Groupcould pay off its debt using the cash in hand for the quarter that ended in Nov. 2025.
The historical rank and industry rank for Intelligent Group's Cash-to-Debt or its related term are showing as below:
INTJ'
s Cash-to-Debt Range Over the Past 10 Years
Min: 3.07 Med: 12.59 Max: 25.22
Current: 25.22
During the past 5 years, Intelligent Group's highest Cash to Debt Ratio was 25.22. The lowest was 3.07. And the median was 12.59.
INTJ's Cash-to-Debt is ranked better than 84.1% of 1069
companies
in the Business Services industry
Industry Median: 1.15
vs INTJ: 25.22
Intelligent Group (NAS:INTJ) 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.
Intelligent Group Cash-to-Debt Related Terms
Intelligent Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Intelligent Group'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 Consulting Services subindustry, Intelligent Group'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.
Intelligent Group Cash-to-Debt vs Business Services Industry
For the Business Services industry and Industrials sector, Intelligent Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Intelligent Group'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.
Intelligent Group (INTJ) has a Cash-to-Debt of 25.24 as of Nov. 2025. This is 100% above median its historical median of 12.59. Over the past decade, Intelligent Group's Cash-to-Debt has ranged from 3.07 to 25.22. According to the industry distribution chart, Intelligent Group ranks #170 out of 1069 companies in the Business Services industry, placing it in the top 15.9%.
Is Intelligent Group's Cash-to-Debt too high?
Intelligent Group's current Cash-to-Debt of 25.24 is 100% above median its 10-year median of 12.59. Over the past 10 years, this metric has ranged from a low of 3.07 to a high of 25.22. The Business Services industry median Cash-to-Debt is 1.15. Intelligent Group's value of 25.24 is 2094.8% above this industry median. Based on the distribution chart, Intelligent Group ranks #170 out of 1069 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, Intelligent Group has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Intelligent Group's Cash-to-Debt compare to GLVT and VCIG?
According to the Business Services industry distribution chart, Intelligent Group ranks #170 out of 1069 companies for Cash-to-Debt. This places Intelligent Group in the top 16% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.15. Intelligent Group's value of 25.24 is 2094.8% above this benchmark. Historically, Intelligent Group's own Cash-to-Debt has ranged from 3.07 to 25.22 over the past decade. While the company's 10-year median is 12.59 vs. the industry median of 1.15, Intelligent Group 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 Business Services company?
The median Cash-to-Debt among Business Services companies is 1.15, based on 1,069 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. Intelligent Group's current Cash-to-Debt of 25.24 is 2094.8% 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 Business Services industry, the median Cash-to-Debt is 1.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Intelligent Group's current Cash-to-Debt is 25.24, which is 100% above median its own 10-year median of 12.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intelligent Group stock overvalued right now?
Intelligent Group (INTJ) has a current Cash-to-Debt of 25.24. The current Cash-to-Debt is 25.24, which is 100% above median its 10-year median of 12.59 and 2094.8% above the Business Services industry median of 1.15. Intelligent Group's overall GF Score™ is 41/100 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 Intelligent Group (INTJ), the current Cash-to-Debt is 25.24 as of Nov. 2025. 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.
Intelligent Group Ltd is a professional services provider in Hong Kong that principally engages in the provision of Financial PR services. The company provides a substantial number of holistic and comprehensive Financial PR services to its clients. It advises its clients on their communications and reputation management efforts. Its Financial PR services include creating multi-stakeholder communications programs, arranging press conferences and interviews, participating in the preparation of news releases and shareholders' meetings, monitoring news publications, identifying shareholders, targeting potential investors, organizing corporate events, and implementing crisis management policies and procedures. The company derives all its revenue from Hong Kong.
41GF Score
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