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Netum Group OyjOHEL:NETUM +6.00%57 Cash-to-Debt is 0.03 as of Dec. 2025, which is 84% below its 10-year median of 0.19. GuruFocus rates OHEL:NETUM with a GF Score™ of 57/100 and a GF Value™ of €2.31 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,796 Software companies, Netum Group Oyj ranks worse than 97.1% 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. Netum Group Oyj's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.03.
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, Netum Group Oyjcouldn'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 Netum Group Oyj's Cash-to-Debt or its related term are showing as below:
OHEL:NETUM'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.19 Max: 1.43
Current: 0.03
During the past 8 years, Netum Group Oyj's highest Cash to Debt Ratio was 1.43. The lowest was 0.03. And the median was 0.19.
OHEL:NETUM's Cash-to-Debt is ranked worse than 97.1% of 2796
companies
in the Software industry
Industry Median: 2.56
vs OHEL:NETUM: 0.03
Netum Group Oyj (OHEL:NETUM) 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.
Netum Group Oyj Cash-to-Debt Related Terms
Netum Group Oyj Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Netum Group Oyj'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.
OHEL:NETUM vs IBM, ACN, FISV: Cash-to-Debt Comparison
For the Information Technology Services subindustry, Netum Group Oyj'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.
Netum Group Oyj Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Netum Group Oyj's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Netum Group Oyj'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.
Netum Group Oyj (OHEL:NETUM) has a Cash-to-Debt of 0.03 as of Dec. 2025. This is 84% below median its historical median of 0.19. Over the past decade, Netum Group Oyj's Cash-to-Debt has ranged from 0.03 to 1.43. According to the industry distribution chart, Netum Group Oyj ranks #2715 out of 2796 companies in the Software industry, placing it in the top 97.1%.
Is Netum Group Oyj's Cash-to-Debt too high?
Netum Group Oyj's current Cash-to-Debt of 0.03 is 84% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 1.43. The Software industry median Cash-to-Debt is 2.56. Netum Group Oyj's value of 0.03 is 98.8% below this industry median. Based on the distribution chart, Netum Group Oyj ranks #2715 out of 2796 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Netum Group Oyj has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Netum Group Oyj's Cash-to-Debt compare to IBM and ACN?
According to the Software industry distribution chart, Netum Group Oyj ranks #2715 out of 2796 companies for Cash-to-Debt. This places Netum Group Oyj in the lower half of its industry. The industry median Cash-to-Debt is 2.56. Netum Group Oyj's value of 0.03 is 98.8% below this benchmark. Historically, Netum Group Oyj's own Cash-to-Debt has ranged from 0.03 to 1.43 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 2.56, Netum Group Oyj 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 Software company?
The median Cash-to-Debt among Software companies is 2.56, based on 2,796 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. Netum Group Oyj's current Cash-to-Debt of 0.03 is 98.8% 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 Software industry, the median Cash-to-Debt is 2.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Netum Group Oyj's current Cash-to-Debt is 0.03, which is 84% below median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Netum Group Oyj stock overvalued right now?
Based on GuruFocus' analysis, Netum Group Oyj (OHEL:NETUM) is currently considered Possible Value Trap. The stock's GF Value™ is €2.31, compared to a current price of €0.99 — trading 57.1% below its estimated fair value. The current Cash-to-Debt is 0.03, which is 84% below median its 10-year median of 0.19 and 98.8% below the Software industry median of 2.56. Netum Group Oyj's overall GF Score™ is 57/100 with 6 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 Netum Group Oyj (OHEL:NETUM), the current Cash-to-Debt is 0.03 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 Netum Group Oyj (OHEL:NETUM) Overvalued in 2026?
Based on GuruFocus' analysis, Netum Group Oyj stock appears to be undervalued.
The current stock price of €0.99 is trading 57.1% below its estimated GF Value™ of €2.31.
GuruFocus considers Netum Group Oyj to be Possible Value Trap.
Key valuation signals for OHEL:NETUM:
Cash-to-Debt: 0.03 (84% below median its 10-year median of 0.19)
GF Value™: €2.31 vs. price of €0.99 (57.1% below fair value)
Industry Position: 98.8% below the Software median (#2715 of 2796)
No single metric tells the full story. See the OHEL:NETUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Netum Group Oyj is a fast-growing information technology service house. The company serves public administration and corporate customers with the legacy of digi concept, which combines existing traditional information technology solutions with the latest digital applications. Netum's services include digital services development, system continuity services, data and analysis services, integration services, cyber security services, and management consulting services.
57GF Score
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