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SSI GroupPHS:SSI -0.48%84 Cash-to-Debt is 0.89 as of Mar. 2026, which is 62% above its 10-year median of 0.55. GuruFocus rates PHS:SSI with a GF Score™ of 84/100 and a GF Value™ of ₱3.49 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,127 Retail - Cyclical companies, SSI Group ranks better than 63% 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. SSI Group's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.89.
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, SSI Groupcouldn'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 SSI Group's Cash-to-Debt or its related term are showing as below:
PHS:SSI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.55 Max: 1.9
Current: 0.89
During the past 13 years, SSI Group's highest Cash to Debt Ratio was 1.90. The lowest was 0.09. And the median was 0.55.
PHS:SSI's Cash-to-Debt is ranked better than 63% of 1127
companies
in the Retail - Cyclical industry
Industry Median: 0.49
vs PHS:SSI: 0.89
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.
SSI Group Cash-to-Debt Related Terms
SSI Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for SSI Group'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:SSI vs TJX, ROST, BURL: Cash-to-Debt Comparison
For the Apparel Retail subindustry, SSI Group'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.
SSI Group Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SSI Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where SSI Group'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.
SSI Group (PHS:SSI) has a Cash-to-Debt of 0.89 as of Mar. 2026. This is 62% above median its historical median of 0.55. Over the past decade, SSI Group's Cash-to-Debt has ranged from 0.09 to 1.90. According to the industry distribution chart, SSI Group ranks #417 out of 1127 companies in the Retail - Cyclical industry, placing it in the top 37%.
Is SSI Group's Cash-to-Debt too high?
SSI Group's current Cash-to-Debt of 0.89 is 62% above median its 10-year median of 0.55. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 1.90. The Retail - Cyclical industry median Cash-to-Debt is 0.49. SSI Group's value of 0.89 is 81.6% above this industry median. Based on the distribution chart, SSI Group ranks #417 out of 1127 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, SSI Group has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSI Group's Cash-to-Debt compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, SSI Group ranks #417 out of 1127 companies for Cash-to-Debt. This puts SSI Group in the upper half of its industry. The industry median Cash-to-Debt is 0.49. SSI Group's value of 0.89 is 81.6% above this benchmark. Historically, SSI Group's own Cash-to-Debt has ranged from 0.09 to 1.90 over the past decade. While the company's 10-year median is 0.55 vs. the industry median of 0.49, SSI Group has consistently been above 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 - Cyclical company?
The median Cash-to-Debt among Retail - Cyclical companies is 0.49, based on 1,127 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. SSI Group's current Cash-to-Debt of 0.89 is 81.6% above 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 - Cyclical industry, the median Cash-to-Debt is 0.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSI Group's current Cash-to-Debt is 0.89, which is 62% above median its own 10-year median of 0.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSI Group stock overvalued right now?
Based on GuruFocus' analysis, SSI Group (PHS:SSI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱3.49, compared to a current price of ₱2.06 — trading 41% below its estimated fair value. The current Cash-to-Debt is 0.89, which is 62% above median its 10-year median of 0.55 and 81.6% above the Retail - Cyclical industry median of 0.49. SSI Group's overall GF Score™ is 84/100 with 3 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 SSI Group (PHS:SSI), the current Cash-to-Debt is 0.89 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 SSI Group (PHS:SSI) Overvalued in 2026?
Based on GuruFocus' analysis, SSI Group stock appears to be undervalued.
The current stock price of ₱2.06 is trading 41% below its estimated GF Value™ of ₱3.49.
GuruFocus considers SSI Group to be Significantly Undervalued.
Key valuation signals for PHS:SSI:
Cash-to-Debt: 0.89 (62% above median its 10-year median of 0.55)
GF Value™: ₱3.49 vs. price of ₱2.06 (41% below fair value)
Industry Position: 81.6% above the Retail - Cyclical median (#417 of 1127)
No single metric tells the full story. See the PHS:SSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSI Group Inc together with its subsidiaries, operates specialty retail stores in the Philippines. The company operates a retail network consists of 628 stores located within approximately 110 malls across the Philippines, including Metro Manila, Luzon, Visayas, and Mindanao. The company provides a broad range of categories and brands, from luxury and bridge apparel to casual wear and fast fashion, as well as footwear, accessories, luggage, food, home and decor, and beauty and personal care.
84GF Score
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