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I-RemitPHS:I Cash-to-Debt is 0.01 as of Sep. 2025, which is 99% below its 10-year median of 1.21. The stock has 7 warning signs investors should review.
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. I-Remit's cash to debt ratio for the quarter that ended in Sep. 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, I-Remitcouldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2025.
The historical rank and industry rank for I-Remit's Cash-to-Debt or its related term are showing as below:
PHS:I'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 1.21 Max: 1.89
Current: 0.01
During the past 13 years, I-Remit's highest Cash to Debt Ratio was 1.89. The lowest was 0.01. And the median was 1.21.
PHS:I's Cash-to-Debt is not ranked
in the Software industry.
Industry Median: 2.57
vs PHS:I: 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.
I-Remit Cash-to-Debt Related Terms
I-Remit Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for I-Remit'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.
PHS:I vs MSFT, ORCL, PLTR: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, I-Remit'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.
I-Remit Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, I-Remit's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where I-Remit'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.
I-Remit (PHS:I) has a Cash-to-Debt of 0.01 as of Sep. 2025. This is 99% below median its historical median of 1.21. Over the past decade, I-Remit's Cash-to-Debt has ranged from 0.01 to 1.89.
Is I-Remit's Cash-to-Debt too high?
I-Remit's current Cash-to-Debt of 0.01 is 99% below median its 10-year median of 1.21. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.89. The Software industry median Cash-to-Debt is 2.57. I-Remit's value of 0.01 is 99.6% below this industry median.
How does I-Remit's Cash-to-Debt compare to MSFT and ORCL?
I-Remit's Cash-to-Debt of 0.01 can be compared against companies in the Software industry. The industry median Cash-to-Debt is 2.57. I-Remit's value of 0.01 is 99.6% below this benchmark. Historically, I-Remit's own Cash-to-Debt has ranged from 0.01 to 1.89 over the past decade. While the company's 10-year median is 1.21 vs. the industry median of 2.57, I-Remit 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 2.57, based on 2,849 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. I-Remit's current Cash-to-Debt of 0.01 is 99.6% 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 2.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. I-Remit's current Cash-to-Debt is 0.01, which is 99% below median its own 10-year median of 1.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is I-Remit stock overvalued right now?
I-Remit (PHS:I) has a current Cash-to-Debt of 0.01. The stock's GF Value™ is ₱0.07, compared to a current price of ₱0.20 — trading 184.3% above its estimated fair value. The current Cash-to-Debt is 0.01, which is 99% below median its 10-year median of 1.21 and 99.6% below the Software industry median of 2.57. 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 I-Remit (PHS:I), the current Cash-to-Debt is 0.01 as of Sep. 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.
I-Remit Inc is a Philippine-based firm. The company with its subsidiaries provides fund transfer and remittance services to overseas Filipino workers and other migrant workers. It offers the bank-to-bank facility for online crediting to a bank account, delivers cash remittances to designated beneficiaries, and provides a visa card, a debit, and an automated teller machine card for sending money to their beneficiaries. The company operates in four geographical segments namely, the Philippines which contributes a majority of revenue, Asia Pacific, North America, and Europe segment.
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