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PCI-PALLSE:PCIP 48 Cash-to-Debt is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 10,000.00. GuruFocus rates LSE:PCIP with a GF Score™ of 48/100 and a GF Value™ of £0.74 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 2,844 Software companies, PCI-PAL ranks better than 82.7% 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. PCI-PAL's cash to debt ratio for the quarter that ended in Dec. 2025 was No Debt (1).
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, PCI-PALcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
(1) 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.
The historical rank and industry rank for PCI-PAL's Cash-to-Debt or its related term are showing as below:
LSE:PCIP'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.74 Med: No Debt Max: No Debt
Current: 70.65
During the past 13 years, PCI-PAL's highest Cash to Debt Ratio was No Debt. The lowest was 0.74. And the median was No Debt.
LSE:PCIP's Cash-to-Debt is ranked better than 82.7% of 2844
companies
in the Software industry
Industry Median: 2.545
vs LSE:PCIP: 70.65
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.
PCI-PAL Cash-to-Debt Related Terms
PCI-PAL Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PCI-PAL'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.
LSE:PCIP vs MSFT, ORCL, PLTR: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, PCI-PAL'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.
PCI-PAL Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, PCI-PAL's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PCI-PAL's Cash-to-Debt falls into.
PCI-PAL's Cash to Debt Ratio for the quarter that ended in Dec. 2025 is calculated as:
PCI-PAL had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
PCI-PAL (LSE:PCIP) has a Cash-to-Debt of No Debt (1) as of Dec. 2025. This is 100% below median its historical median of 10,000.00. Over the past decade, PCI-PAL's Cash-to-Debt has ranged from 0.74 to 10,000.00. According to the industry distribution chart, PCI-PAL ranks #492 out of 2844 companies in the Software industry, placing it in the top 17.3%.
Is PCI-PAL's Cash-to-Debt too high?
PCI-PAL's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 10,000.00. Based on the distribution chart, PCI-PAL ranks #492 out of 2844 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PCI-PAL has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PCI-PAL's Cash-to-Debt compare to MSFT and ORCL?
According to the Software industry distribution chart, PCI-PAL ranks #492 out of 2844 companies for Cash-to-Debt. This places PCI-PAL in the top 17% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.55. Historically, PCI-PAL's own Cash-to-Debt has ranged from 0.74 to 10,000.00 over the past decade. 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 2.55, based on 2,844 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. 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 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PCI-PAL's current Cash-to-Debt is No Debt (1), 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 PCI-PAL stock overvalued right now?
Based on GuruFocus' analysis, PCI-PAL (LSE:PCIP) is currently considered Modestly Undervalued. The stock's GF Value™ is £0.74, compared to a current price of £0.63 — trading 15.5% below its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. PCI-PAL's overall GF Score™ is 48/100 with 5 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 PCI-PAL (LSE:PCIP), the current Cash-to-Debt is No Debt (1) as of Dec. 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.
Is PCI-PAL (LSE:PCIP) Overvalued in 2026?
Based on GuruFocus' analysis, PCI-PAL stock appears to be undervalued.
The current stock price of £0.63 is trading 15.5% below its estimated GF Value™ of £0.74.
GuruFocus considers PCI-PAL to be Modestly Undervalued.
Key valuation signals for LSE:PCIP:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: £0.74 vs. price of £0.63 (15.5% below fair value)
No single metric tells the full story. See the LSE:PCIP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PCI-PAL PLC is a holding company engaged in the peripheral component interconnect (PCI) and telephony services business. It operates as a specialist provider of secure payments solutions, including a cloud-based, Payment Card Industry Data Security Standard compliant suite. Its business activities include accepting contracts across a range of market sectors including retail, services, leisure, public, and charity sector. It operates the business across the United Kingdom serving the other markets. It operates one business sector: the service of providing data secure payment card authorizations for call centre operations and this is delivered on a regional basis. The company operates in EMEA, North America and ANZ region, out of which it generates maximum revenue from EMEA.
48GF Score
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