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MerryMart ConsumerPHS:MM 75 Cash-to-Debt is 0.30 as of Mar. 2026, which is 14% below its 10-year median of 0.35. GuruFocus rates PHS:MM with a GF Score™ of 75/100 and a GF Value™ of ₱1.12 (Possible Value Trap). The stock has 9 warning signs investors should review. Among 306 Retail - Defensive companies, MerryMart Consumer ranks worse than 59.48% 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. MerryMart Consumer's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.30.
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, MerryMart Consumercouldn'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 MerryMart Consumer's Cash-to-Debt or its related term are showing as below:
PHS:MM'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1 Med: 0.35 Max: No Debt
Current: 0.3
During the past 9 years, MerryMart Consumer's highest Cash to Debt Ratio was No Debt. The lowest was 0.10. And the median was 0.35.
PHS:MM's Cash-to-Debt is ranked worse than 59.48% of 306
companies
in the Retail - Defensive industry
Industry Median: 0.425
vs PHS:MM: 0.30
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.
MerryMart Consumer Cash-to-Debt Related Terms
MerryMart Consumer Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for MerryMart Consumer'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 Grocery Stores subindustry, MerryMart Consumer'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.
MerryMart Consumer Cash-to-Debt vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, MerryMart Consumer's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where MerryMart Consumer'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.
MerryMart Consumer (PHS:MM) has a Cash-to-Debt of 0.30 as of Mar. 2026. This is 14% below median its historical median of 0.35. Over the past decade, MerryMart Consumer's Cash-to-Debt has ranged from 0.10 to 10,000.00. According to the industry distribution chart, MerryMart Consumer ranks #182 out of 306 companies in the Retail - Defensive industry, placing it in the top 59.5%.
Is MerryMart Consumer's Cash-to-Debt too high?
MerryMart Consumer's current Cash-to-Debt of 0.30 is 14% below median its 10-year median of 0.35. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 10,000.00. The Retail - Defensive industry median Cash-to-Debt is 0.43. MerryMart Consumer's value of 0.30 is 29.4% below this industry median. Based on the distribution chart, MerryMart Consumer ranks #182 out of 306 companies in the Retail - Defensive industry, which is below the industry midpoint. Overall, MerryMart Consumer has a GF Score™ of 75/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does MerryMart Consumer's Cash-to-Debt compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, MerryMart Consumer ranks #182 out of 306 companies for Cash-to-Debt. This places MerryMart Consumer in the lower half of its industry. The industry median Cash-to-Debt is 0.43. MerryMart Consumer's value of 0.30 is 29.4% below this benchmark. Historically, MerryMart Consumer's own Cash-to-Debt has ranged from 0.10 to 10,000.00 over the past decade. While the company's 10-year median is 0.35 vs. the industry median of 0.43, MerryMart Consumer 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 Retail - Defensive company?
The median Cash-to-Debt among Retail - Defensive companies is 0.43, based on 306 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. MerryMart Consumer's current Cash-to-Debt of 0.30 is 29.4% 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 Retail - Defensive industry, the median Cash-to-Debt is 0.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MerryMart Consumer's current Cash-to-Debt is 0.30, which is 14% below median its own 10-year median of 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MerryMart Consumer stock overvalued right now?
Based on GuruFocus' analysis, MerryMart Consumer (PHS:MM) is currently considered Possible Value Trap. The stock's GF Value™ is ₱1.12, compared to a current price of ₱0.44 — trading 61.2% below its estimated fair value. The current Cash-to-Debt is 0.30, which is 14% below median its 10-year median of 0.35 and 29.4% below the Retail - Defensive industry median of 0.43. MerryMart Consumer's overall GF Score™ is 75/100 with 9 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 MerryMart Consumer (PHS:MM), the current Cash-to-Debt is 0.30 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 MerryMart Consumer (PHS:MM) Overvalued in 2026?
Based on GuruFocus' analysis, MerryMart Consumer stock appears to be undervalued.
The current stock price of ₱0.44 is trading 61.2% below its estimated GF Value™ of ₱1.12.
GuruFocus considers MerryMart Consumer to be Possible Value Trap.
Key valuation signals for PHS:MM:
Cash-to-Debt: 0.30 (14% below median its 10-year median of 0.35)
GF Value™: ₱1.12 vs. price of ₱0.44 (61.2% below fair value)
Industry Position: 29.4% below the Retail - Defensive median (#182 of 306)
No single metric tells the full story. See the PHS:MM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MerryMart Consumer Corp is an emerging consumer-focused retail company. It is engaged in the operation of retail stores in the supermarket and household essentials category. It operates through Four divisions namely, MerryMart Grocery; MerryMart Market; and MerryMart Store, MerryMart Wholesale. It generates revenues from trading and selling goods and consumer products on a wholesale or retail basis.
75GF Score
Get the complete analysis for PHS:MM
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