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Microlise GroupLSE:SAAS 46 Cash-to-Debt is 4.32 as of Dec. 2025, which is 50% below its 10-year median of 8.71. GuruFocus rates LSE:SAAS with a GF Score™ of 46/100 and a GF Value™ of £1.36 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 2,843 Software companies, Microlise Group ranks better than 57.44% 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. Microlise Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 4.32.
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, Microlise Groupcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Microlise Group's Cash-to-Debt or its related term are showing as below:
LSE:SAAS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28 Med: 8.71 Max: No Debt
Current: 4.32
During the past 7 years, Microlise Group's highest Cash to Debt Ratio was No Debt. The lowest was 0.28. And the median was 8.71.
LSE:SAAS's Cash-to-Debt is ranked better than 57.44% of 2843
companies
in the Software industry
Industry Median: 2.49
vs LSE:SAAS: 4.32
Microlise Group (LSE:SAAS) 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.
Microlise Group Cash-to-Debt Related Terms
Microlise Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Microlise 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.
LSE:SAAS vs CRM, SHOP, UBER: Cash-to-Debt Comparison
For the Software - Application subindustry, Microlise 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.
Microlise Group Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Microlise Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Microlise 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.
Microlise Group (LSE:SAAS) has a Cash-to-Debt of 4.32 as of Dec. 2025. This is 50% below median its historical median of 8.71. Over the past decade, Microlise Group's Cash-to-Debt has ranged from 0.28 to 10,000.00. According to the industry distribution chart, Microlise Group ranks #1210 out of 2843 companies in the Software industry, placing it in the top 42.6%.
Is Microlise Group's Cash-to-Debt too high?
Microlise Group's current Cash-to-Debt of 4.32 is 50% below median its 10-year median of 8.71. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.49. Microlise Group's value of 4.32 is 73.5% above this industry median. Based on the distribution chart, Microlise Group ranks #1210 out of 2843 companies in the Software industry, which is above the industry midpoint. Overall, Microlise Group has a GF Score™ of 46/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Microlise Group's Cash-to-Debt compare to CRM and SHOP?
According to the Software industry distribution chart, Microlise Group ranks #1210 out of 2843 companies for Cash-to-Debt. This puts Microlise Group in the upper half of its industry. The industry median Cash-to-Debt is 2.49. Microlise Group's value of 4.32 is 73.5% above this benchmark. Historically, Microlise Group's own Cash-to-Debt has ranged from 0.28 to 10,000.00 over the past decade. While the company's 10-year median is 8.71 vs. the industry median of 2.49, Microlise 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 2.49, based on 2,843 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. Microlise Group's current Cash-to-Debt of 4.32 is 73.5% 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 2.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Microlise Group's current Cash-to-Debt is 4.32, which is 50% below median its own 10-year median of 8.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Microlise Group stock overvalued right now?
Based on GuruFocus' analysis, Microlise Group (LSE:SAAS) is currently considered Possible Value Trap. The stock's GF Value™ is £1.36, compared to a current price of £0.49 — trading 64% below its estimated fair value. The current Cash-to-Debt is 4.32, which is 50% below median its 10-year median of 8.71 and 73.5% above the Software industry median of 2.49. Microlise Group's overall GF Score™ is 46/100 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 Microlise Group (LSE:SAAS), the current Cash-to-Debt is 4.32 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 Microlise Group (LSE:SAAS) Overvalued in 2026?
Based on GuruFocus' analysis, Microlise Group stock appears to be undervalued.
The current stock price of £0.49 is trading 64% below its estimated GF Value™ of £1.36.
GuruFocus considers Microlise Group to be Possible Value Trap.
Key valuation signals for LSE:SAAS:
Cash-to-Debt: 4.32 (50% below median its 10-year median of 8.71)
GF Value™: £1.36 vs. price of £0.49 (64% below fair value)
Industry Position: 73.5% above the Software median (#1210 of 2843)
No single metric tells the full story. See the LSE:SAAS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Microlise Group PLC is a provider of transportation management solutions to enterprise customers. It supports organizations to run their business more sustainably, cost-effectively, compliantly, and efficiently with telematics, real-time journey management, planning, and proof of delivery solutions. It delivers integrated location, performance, utilization, safety, and compliance information through various solutions. The company's offerings include fleet management SaaS solutions, including telematics, real-time journey management, route planning, vehicle tracking, and electronic proof of delivery. Geographically, the maximum revenue is generated from the UK, followed by the Rest of Europe and the Rest of the World.
46GF Score
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