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Intercede GroupIRCDF 82 Cash-to-Debt is 18.24 as of Mar. 2026, which is 108% above its 10-year median of 8.76. GuruFocus rates IRCDF with a GF Score™ of 82/100 and a GF Value™ of $1.79. The stock has 2 warning signs investors should review. Among 2,852 Software companies, Intercede Group ranks better than 73.6% 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. Intercede Group's cash to debt ratio for the quarter that ended in Mar. 2026 was 18.24.
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, Intercede Groupcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Intercede Group's Cash-to-Debt or its related term are showing as below:
IRCDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.35 Med: 8.76 Max: 30.17
Current: 18.25
During the past 13 years, Intercede Group's highest Cash to Debt Ratio was 30.17. The lowest was 0.35. And the median was 8.76.
IRCDF's Cash-to-Debt is ranked better than 73.6% of 2852
companies
in the Software industry
Industry Median: 2.51
vs IRCDF: 18.25
Intercede Group (OTCPK:IRCDF) 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.
Intercede Group Cash-to-Debt Related Terms
Intercede Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Intercede 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 Software - Application subindustry, Intercede 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.
Intercede Group Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Intercede Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Intercede 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.
Intercede Group (IRCDF) has a Cash-to-Debt of 18.24 as of Mar. 2026. This is 108% above median its historical median of 8.76. Over the past decade, Intercede Group's Cash-to-Debt has ranged from 0.35 to 30.17. According to the industry distribution chart, Intercede Group ranks #753 out of 2852 companies in the Software industry, placing it in the top 26.4%.
Is Intercede Group's Cash-to-Debt too high?
Intercede Group's current Cash-to-Debt of 18.24 is 108% above median its 10-year median of 8.76. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 30.17. The Software industry median Cash-to-Debt is 2.51. Intercede Group's value of 18.24 is 626.7% above this industry median. Based on the distribution chart, Intercede Group ranks #753 out of 2852 companies in the Software industry, which is above the industry midpoint. Overall, Intercede Group has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Intercede Group's Cash-to-Debt compare to QH and SHOP?
According to the Software industry distribution chart, Intercede Group ranks #753 out of 2852 companies for Cash-to-Debt. This puts Intercede Group in the upper half of its industry. The industry median Cash-to-Debt is 2.51. Intercede Group's value of 18.24 is 626.7% above this benchmark. Historically, Intercede Group's own Cash-to-Debt has ranged from 0.35 to 30.17 over the past decade. While the company's 10-year median is 8.76 vs. the industry median of 2.51, Intercede 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 Software company?
The median Cash-to-Debt among Software companies is 2.51, based on 2,852 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. Intercede Group's current Cash-to-Debt of 18.24 is 626.7% 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 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. Intercede Group's current Cash-to-Debt is 18.24, which is 108% above median its own 10-year median of 8.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Intercede Group stock overvalued right now?
Intercede Group (IRCDF) has a current Cash-to-Debt of 18.24. The stock's GF Value™ is $1.79, compared to a current price of $1.37 — trading 23.5% below its estimated fair value. The current Cash-to-Debt is 18.24, which is 108% above median its 10-year median of 8.76 and 626.7% above the Software industry median of 2.51. Intercede Group's overall GF Score™ is 82/100 with 2 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 Intercede Group (IRCDF), the current Cash-to-Debt is 18.24 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 Intercede Group (IRCDF) Overvalued in 2026?
Based on GuruFocus' analysis, Intercede Group stock appears to be undervalued.
The current stock price of $1.37 is trading 23.5% below its estimated GF Value™ of $1.79.
Key valuation signals for IRCDF:
Cash-to-Debt: 18.24 (108% above median its 10-year median of 8.76)
GF Value™: $1.79 vs. price of $1.37 (23.5% below fair value)
Industry Position: 626.7% above the Software median (#753 of 2852)
No single metric tells the full story. See the IRCDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Intercede Group PLC is an independent developer and supplier of identity and credential management software. Its product portfolio includes MyID, an identity, and credential management system, RapID is the password killer for killer apps, and MyTAM enables Android app developers and service providers to deploy trusted applications to the trusted execution environment simply and cost-effectively. The company serves a diverse range of markets including governments, enterprises, app developers, and service providers. It has operational footprints across the United Kingdom, the Rest of Europe, the Americas, and the Rest of the world. The majority of its revenue is derived from the Americas.
82GF Score
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