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McMillan ShakespeareMCSLF 77 Cash-to-Debt is 0.13 as of Dec. 2025, which is 55% below its 10-year median of 0.29. GuruFocus rates MCSLF with a GF Score™ of 77/100 and a GF Value™ of $11.99. The stock has 13 warning signs investors should review. Among 1,075 Business Services companies, McMillan Shakespeare ranks worse than 81.67% 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. McMillan Shakespeare's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.13.
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, McMillan Shakespearecouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for McMillan Shakespeare's Cash-to-Debt or its related term are showing as below:
MCSLF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13 Med: 0.29 Max: 0.74
Current: 0.13
During the past 13 years, McMillan Shakespeare's highest Cash to Debt Ratio was 0.74. The lowest was 0.13. And the median was 0.29.
MCSLF's Cash-to-Debt is ranked worse than 81.67% of 1075
companies
in the Business Services industry
Industry Median: 1.15
vs MCSLF: 0.13
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.
McMillan Shakespeare Cash-to-Debt Related Terms
McMillan Shakespeare Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for McMillan Shakespeare'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 Staffing & Employment Services subindustry, McMillan Shakespeare'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.
McMillan Shakespeare Cash-to-Debt vs Business Services Industry
For the Business Services industry and Industrials sector, McMillan Shakespeare's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where McMillan Shakespeare'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.
McMillan Shakespeare (MCSLF) has a Cash-to-Debt of 0.13 as of Dec. 2025. This is 55% below median its historical median of 0.29. Over the past decade, McMillan Shakespeare's Cash-to-Debt has ranged from 0.13 to 0.74. According to the industry distribution chart, McMillan Shakespeare ranks #878 out of 1075 companies in the Business Services industry, placing it in the top 81.7%.
Is McMillan Shakespeare's Cash-to-Debt too high?
McMillan Shakespeare's current Cash-to-Debt of 0.13 is 55% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.74. The Business Services industry median Cash-to-Debt is 1.15. McMillan Shakespeare's value of 0.13 is 88.7% below this industry median. Based on the distribution chart, McMillan Shakespeare ranks #878 out of 1075 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, McMillan Shakespeare has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does McMillan Shakespeare's Cash-to-Debt compare to KFY and RHI?
According to the Business Services industry distribution chart, McMillan Shakespeare ranks #878 out of 1075 companies for Cash-to-Debt. This places McMillan Shakespeare in the lower half of its industry. The industry median Cash-to-Debt is 1.15. McMillan Shakespeare's value of 0.13 is 88.7% below this benchmark. Historically, McMillan Shakespeare's own Cash-to-Debt has ranged from 0.13 to 0.74 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 1.15, McMillan Shakespeare 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 Business Services company?
The median Cash-to-Debt among Business Services companies is 1.15, based on 1,075 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. McMillan Shakespeare's current Cash-to-Debt of 0.13 is 88.7% 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 Business Services industry, the median Cash-to-Debt is 1.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. McMillan Shakespeare's current Cash-to-Debt is 0.13, which is 55% below median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is McMillan Shakespeare stock overvalued right now?
McMillan Shakespeare (MCSLF) has a current Cash-to-Debt of 0.13. The stock's GF Value™ is $11.99, compared to a current price of $9.90 — trading 17.4% below its estimated fair value. The current Cash-to-Debt is 0.13, which is 55% below median its 10-year median of 0.29 and 88.7% below the Business Services industry median of 1.15. McMillan Shakespeare's overall GF Score™ is 77/100 with 13 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 McMillan Shakespeare (MCSLF), the current Cash-to-Debt is 0.13 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 McMillan Shakespeare (MCSLF) Overvalued in 2026?
Based on GuruFocus' analysis, McMillan Shakespeare stock appears to be undervalued.
The current stock price of $9.90 is trading 17.4% below its estimated GF Value™ of $11.99.
Key valuation signals for MCSLF:
Cash-to-Debt: 0.13 (55% below median its 10-year median of 0.29)
GF Value™: $11.99 vs. price of $9.90 (17.4% below fair value)
Industry Position: 88.7% below the Business Services median (#878 of 1075)
No single metric tells the full story. See the MCSLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
McMillan Shakespeare is a provider of salary packaging, novated leasing, disability plan management and support co-ordination, and fleet management services. It actively works to cross-sell its products to clients, for example, selling its salary packaging services to its fleet management customers in Australia and New Zealand. McMillan dominates Australia's salary packaging market together with Smartgroup (also covered by Morningstar), and is also a large provider of novated leasing services by volumes—together with Smartgroup and SG Fleet. The group has three operating segments: group remuneration services, asset management services, and plan and support services. Most of the group's revenue is generated from the group remuneration services segment.
77GF Score
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