Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CredissentialIPTNF 32 Cash-to-Debt is 0.22 as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates IPTNF with a GF Score™ of 32/100. The stock has 4 warning signs investors should review. Among 2,849 Software companies, Credissential ranks worse than 85.96% 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. Credissential's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.22.
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, Credissentialcouldn'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 Credissential's Cash-to-Debt or its related term are showing as below:
IPTNF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: No Debt Max: No Debt
Current: 0.22
During the past 6 years, Credissential's highest Cash to Debt Ratio was No Debt. The lowest was 0.00. And the median was No Debt.
IPTNF's Cash-to-Debt is ranked worse than 85.96% of 2849
companies
in the Software industry
Industry Median: 2.57
vs IPTNF: 0.22
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.
Credissential Cash-to-Debt Related Terms
Credissential Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Credissential'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 - Application subindustry, Credissential'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.
Credissential Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Credissential's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Credissential'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.
Credissential (IPTNF) has a Cash-to-Debt of 0.22 as of Mar. 2026. This is 100% below median its historical median of 10,000.00. According to the industry distribution chart, Credissential ranks #2449 out of 2849 companies in the Software industry, placing it in the top 86%.
Is Credissential's Cash-to-Debt too high?
Credissential's current Cash-to-Debt of 0.22 is 100% below median its 10-year median of 10,000.00. The Software industry median Cash-to-Debt is 2.57. Credissential's value of 0.22 is 91.4% below this industry median. Based on the distribution chart, Credissential ranks #2449 out of 2849 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Credissential has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Credissential's Cash-to-Debt compare to QH and SHOP?
According to the Software industry distribution chart, Credissential ranks #2449 out of 2849 companies for Cash-to-Debt. This places Credissential in the lower half of its industry. The industry median Cash-to-Debt is 2.57. Credissential's value of 0.22 is 91.4% below this benchmark. While the company's 10-year median is 10,000.00 vs. the industry median of 2.57, Credissential 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 2.57, based on 2,849 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. Credissential's current Cash-to-Debt of 0.22 is 91.4% 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 2.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credissential's current Cash-to-Debt is 0.22, which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credissential stock overvalued right now?
Credissential (IPTNF) has a current Cash-to-Debt of 0.22. The current Cash-to-Debt is 0.22, which is 100% below median its 10-year median of 10,000.00 and 91.4% below the Software industry median of 2.57. Credissential's overall GF Score™ is 32/100 with 4 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 Credissential (IPTNF), the current Cash-to-Debt is 0.22 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.
Credissential Inc is an AI powered financial services software developer, focused on the development and commercialization of its flagship product, Credissential and Dealerflow. It focuses on building an AI-powered risk assessment engine to govern and optimize organizational decision making.
32GF Score
Get the complete analysis for IPTNF
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IPTNF has been successfully added to your 
