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Finanza.tech SpAMIL:FTC +0.88%35 Cash-to-Debt is 0.01 as of Dec. 2025, which is 99% below its 10-year median of 0.93. GuruFocus rates MIL:FTC with a GF Score™ of 35/100 and a GF Value™ of €0.25 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,067 Business Services companies, Finanza.tech SpA ranks worse than 97.75% 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. Finanza.tech SpA's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.01.
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, Finanza.tech SpAcouldn'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 Finanza.tech SpA's Cash-to-Debt or its related term are showing as below:
MIL:FTC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 0.93 Max: 7.89
Current: 0.01
During the past 7 years, Finanza.tech SpA's highest Cash to Debt Ratio was 7.89. The lowest was 0.01. And the median was 0.93.
MIL:FTC's Cash-to-Debt is ranked worse than 97.75% of 1067
companies
in the Business Services industry
Industry Median: 1.15
vs MIL:FTC: 0.01
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.
Finanza.tech SpA Cash-to-Debt Related Terms
Finanza.tech SpA Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Finanza.tech SpA'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.
MIL:FTC vs VRSK, EFX, BAH: Cash-to-Debt Comparison
For the Consulting Services subindustry, Finanza.tech SpA'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.
Finanza.tech SpA Cash-to-Debt vs Business Services Industry
For the Business Services industry and Industrials sector, Finanza.tech SpA's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Finanza.tech SpA'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.
Finanza.tech SpA (MIL:FTC) has a Cash-to-Debt of 0.01 as of Dec. 2025. This is 99% below median its historical median of 0.93. Over the past decade, Finanza.tech SpA's Cash-to-Debt has ranged from 0.01 to 7.89. According to the industry distribution chart, Finanza.tech SpA ranks #1043 out of 1067 companies in the Business Services industry, placing it in the top 97.8%.
Is Finanza.tech SpA's Cash-to-Debt too high?
Finanza.tech SpA's current Cash-to-Debt of 0.01 is 99% below median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 7.89. The Business Services industry median Cash-to-Debt is 1.15. Finanza.tech SpA's value of 0.01 is 99.1% below this industry median. Based on the distribution chart, Finanza.tech SpA ranks #1043 out of 1067 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Finanza.tech SpA has a GF Score™ of 35/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finanza.tech SpA's Cash-to-Debt compare to VRSK and EFX?
According to the Business Services industry distribution chart, Finanza.tech SpA ranks #1043 out of 1067 companies for Cash-to-Debt. This places Finanza.tech SpA in the lower half of its industry. The industry median Cash-to-Debt is 1.15. Finanza.tech SpA's value of 0.01 is 99.1% below this benchmark. Historically, Finanza.tech SpA's own Cash-to-Debt has ranged from 0.01 to 7.89 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 1.15, Finanza.tech SpA 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 1,067 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. Finanza.tech SpA's current Cash-to-Debt of 0.01 is 99.1% 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. Finanza.tech SpA's current Cash-to-Debt is 0.01, which is 99% below median its own 10-year median of 0.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finanza.tech SpA stock overvalued right now?
Based on GuruFocus' analysis, Finanza.tech SpA (MIL:FTC) is currently considered Fairly Valued. The stock's GF Value™ is €0.25, compared to a current price of €0.23 — trading 8% below its estimated fair value. The current Cash-to-Debt is 0.01, which is 99% below median its 10-year median of 0.93 and 99.1% below the Business Services industry median of 1.15. Finanza.tech SpA's overall GF Score™ is 35/100 with 8 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 Finanza.tech SpA (MIL:FTC), the current Cash-to-Debt is 0.01 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 Finanza.tech SpA (MIL:FTC) Overvalued in 2026?
Based on GuruFocus' analysis, Finanza.tech SpA stock appears to be undervalued.
The current stock price of €0.23 is trading 8% below its estimated GF Value™ of €0.25.
GuruFocus considers Finanza.tech SpA to be Fairly Valued.
Key valuation signals for MIL:FTC:
Cash-to-Debt: 0.01 (99% below median its 10-year median of 0.93)
GF Value™: €0.25 vs. price of €0.23 (8% below fair value)
Industry Position: 99.1% below the Business Services median (#1043 of 1067)
No single metric tells the full story. See the MIL:FTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finanza.tech SpA is a fintech operator. It provides consultancy activities in extraordinary finance operations and support for ordinary corporate financial management.
35GF Score
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