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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
VIP ClothingNSE:VIPCLOTHNG -0.54%62 Cash-to-Debt is 0.15 as of Mar. 2026, which is 150% above its 10-year median of 0.06. GuruFocus rates NSE:VIPCLOTHNG with a GF Score™ of 62/100 and a GF Value™ of ₹45.34 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,035 Manufacturing - Apparel & Accessories companies, VIP Clothing ranks worse than 71.98% 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. VIP Clothing's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.15.
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, VIP Clothingcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for VIP Clothing's Cash-to-Debt or its related term are showing as below:
NSE:VIPCLOTHNG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.17
Current: 0.15
During the past 13 years, VIP Clothing's highest Cash to Debt Ratio was 0.17. The lowest was 0.04. And the median was 0.06.
NSE:VIPCLOTHNG's Cash-to-Debt is ranked worse than 71.98% of 1035
companies
in the Manufacturing - Apparel & Accessories industry
Industry Median: 0.46
vs NSE:VIPCLOTHNG: 0.15
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.
VIP Clothing Cash-to-Debt Related Terms
VIP Clothing Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for VIP Clothing'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.
NSE:VIPCLOTHNG vs RL, LEVI, VFC: Cash-to-Debt Comparison
For the Apparel Manufacturing subindustry, VIP Clothing'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.
VIP Clothing Cash-to-Debt vs Manufacturing - Apparel & Accessories Industry
For the Manufacturing - Apparel & Accessories industry and Consumer Cyclical sector, VIP Clothing's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where VIP Clothing'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.
VIP Clothing (NSE:VIPCLOTHNG) has a Cash-to-Debt of 0.15 as of Mar. 2026. This is 150% above median its historical median of 0.06. Over the past decade, VIP Clothing's Cash-to-Debt has ranged from 0.04 to 0.17. According to the industry distribution chart, VIP Clothing ranks #745 out of 1035 companies in the Manufacturing - Apparel & Accessories industry, placing it in the top 72%.
Is VIP Clothing's Cash-to-Debt too high?
VIP Clothing's current Cash-to-Debt of 0.15 is 150% above median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.17. The Manufacturing - Apparel & Accessories industry median Cash-to-Debt is 0.46. VIP Clothing's value of 0.15 is 67.4% below this industry median. Based on the distribution chart, VIP Clothing ranks #745 out of 1035 companies in the Manufacturing - Apparel & Accessories industry, which is below the industry midpoint. Overall, VIP Clothing has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does VIP Clothing's Cash-to-Debt compare to RL and LEVI?
According to the Manufacturing - Apparel & Accessories industry distribution chart, VIP Clothing ranks #745 out of 1035 companies for Cash-to-Debt. This places VIP Clothing in the lower half of its industry. The industry median Cash-to-Debt is 0.46. VIP Clothing's value of 0.15 is 67.4% below this benchmark. Historically, VIP Clothing's own Cash-to-Debt has ranged from 0.04 to 0.17 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.46, VIP Clothing 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 Manufacturing - Apparel & Accessories company?
The median Cash-to-Debt among Manufacturing - Apparel & Accessories companies is 0.46, based on 1,035 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. VIP Clothing's current Cash-to-Debt of 0.15 is 67.4% 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 Manufacturing - Apparel & Accessories industry, the median Cash-to-Debt is 0.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VIP Clothing's current Cash-to-Debt is 0.15, which is 150% above median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VIP Clothing stock overvalued right now?
Based on GuruFocus' analysis, VIP Clothing (NSE:VIPCLOTHNG) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹45.34, compared to a current price of ₹22.07 — trading 51.3% below its estimated fair value. The current Cash-to-Debt is 0.15, which is 150% above median its 10-year median of 0.06 and 67.4% below the Manufacturing - Apparel & Accessories industry median of 0.46. VIP Clothing's overall GF Score™ is 62/100 with 4 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 VIP Clothing (NSE:VIPCLOTHNG), the current Cash-to-Debt is 0.15 as of Mar. 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 VIP Clothing (NSE:VIPCLOTHNG) Overvalued in 2026?
Based on GuruFocus' analysis, VIP Clothing stock appears to be undervalued.
The current stock price of ₹22.07 is trading 51.3% below its estimated GF Value™ of ₹45.34.
GuruFocus considers VIP Clothing to be Significantly Undervalued.
Key valuation signals for NSE:VIPCLOTHNG:
Cash-to-Debt: 0.15 (150% above median its 10-year median of 0.06)
GF Value™: ₹45.34 vs. price of ₹22.07 (51.3% below fair value)
Industry Position: 67.4% below the Manufacturing - Apparel & Accessories median (#745 of 1035)
No single metric tells the full story. See the NSE:VIPCLOTHNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VIP Clothing Ltd is an Indian company which is active in manufacturing innerwear and socks under the brand VIP Inners, Frenchie, Frenchie X, VIP Leader, and VIP Feelings and all of their sub-brands for men and women. The company has one operating segment, namely Hosiery and others. Geographically the company generates the majority of their revenue within India.
62GF Score
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