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Ulta BeautyLTS:0LIB +1.93%93 Cash-to-Debt is 0.09 as of Jul. 2026, which is 73% below its 10-year median of 0.33. GuruFocus rates LTS:0LIB with a GF Score™ of 93/100 and a GF Value™ of $549.22 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,118 Retail - Cyclical companies, Ulta Beauty ranks worse than 83.72% 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. Ulta Beauty's cash to debt ratio for the quarter that ended in Jul. 2026 was 0.09.
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, Ulta Beautycouldn't pay off its debt using the cash in hand for the quarter that ended in Jul. 2026.
The historical rank and industry rank for Ulta Beauty's Cash-to-Debt or its related term are showing as below:
LTS:0LIB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06 Med: 0.33 Max: No Debt
Current: 0.09
During the past 13 years, Ulta Beauty's highest Cash to Debt Ratio was No Debt. The lowest was 0.06. And the median was 0.33.
LTS:0LIB's Cash-to-Debt is ranked worse than 83.72% of 1118
companies
in the Retail - Cyclical industry
Industry Median: 0.47
vs LTS:0LIB: 0.09
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.
Ulta Beauty Cash-to-Debt Related Terms
Ulta Beauty Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ulta Beauty'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.
LTS:0LIB vs TSCO, BBY, WSM: Cash-to-Debt Comparison
For the Specialty Retail subindustry, Ulta Beauty'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.
Ulta Beauty Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Ulta Beauty's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ulta Beauty'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.
Ulta Beauty (LTS:0LIB) has a Cash-to-Debt of 0.09 as of Jul. 2026. This is 73% below median its historical median of 0.33. Over the past decade, Ulta Beauty's Cash-to-Debt has ranged from 0.06 to 10,000.00. According to the industry distribution chart, Ulta Beauty ranks #936 out of 1118 companies in the Retail - Cyclical industry, placing it in the top 83.7%.
Is Ulta Beauty's Cash-to-Debt too high?
Ulta Beauty's current Cash-to-Debt of 0.09 is 73% below median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 10,000.00. The Retail - Cyclical industry median Cash-to-Debt is 0.47. Ulta Beauty's value of 0.09 is 80.9% below this industry median. Based on the distribution chart, Ulta Beauty ranks #936 out of 1118 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Ulta Beauty has a GF Score™ of 93/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ulta Beauty's Cash-to-Debt compare to TSCO and BBY?
According to the Retail - Cyclical industry distribution chart, Ulta Beauty ranks #936 out of 1118 companies for Cash-to-Debt. This places Ulta Beauty in the lower half of its industry. The industry median Cash-to-Debt is 0.47. Ulta Beauty's value of 0.09 is 80.9% below this benchmark. Historically, Ulta Beauty's own Cash-to-Debt has ranged from 0.06 to 10,000.00 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.47, Ulta Beauty 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 Retail - Cyclical company?
The median Cash-to-Debt among Retail - Cyclical companies is 0.47, based on 1,118 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. Ulta Beauty's current Cash-to-Debt of 0.09 is 80.9% 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 Retail - Cyclical industry, the median Cash-to-Debt is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ulta Beauty's current Cash-to-Debt is 0.09, which is 73% below median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ulta Beauty stock overvalued right now?
Based on GuruFocus' analysis, Ulta Beauty (LTS:0LIB) is currently considered Fairly Valued. The stock's GF Value™ is $549.22, compared to a current price of $566.56 — trading 3.2% above its estimated fair value. The current Cash-to-Debt is 0.09, which is 73% below median its 10-year median of 0.33 and 80.9% below the Retail - Cyclical industry median of 0.47. Ulta Beauty's overall GF Score™ is 93/100 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 Ulta Beauty (LTS:0LIB), the current Cash-to-Debt is 0.09 as of Jul. 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 Ulta Beauty (LTS:0LIB) Overvalued in 2026?
Based on GuruFocus' analysis, Ulta Beauty stock appears to be overvalued.
The current stock price of $566.56 is trading 3.2% above its estimated GF Value™ of $549.22.
GuruFocus considers Ulta Beauty to be Fairly Valued.
Key valuation signals for LTS:0LIB:
Cash-to-Debt: 0.09 (73% below median its 10-year median of 0.33)
GF Value™: $549.22 vs. price of $566.56 (3.2% above fair value)
Industry Position: 80.9% below the Retail - Cyclical median (#936 of 1118)
No single metric tells the full story. See the LTS:0LIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ulta Beauty is the largest specialized beauty retailer in the US with more than 1,500 freestanding stores. The firm offers cosmetics (38% of 2025 sales), fragrances (13%), skin care (24%), and hair care products (19%). It also has salon services, including hair, makeup, skin, and brow, that account for 4% of its revenue and drive customer traffic. Outside of the US, Ulta operates premium beauty retailer Space NK (86 stores at year-end 2025 in the UK and Ireland) and has franchised stores in Mexico, and a joint venture in the Middle East. Ulta was founded in 1990 and is based in Bolingbrook, Illinois.
93GF Score
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