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Upson InternationalPHS:UPSON +1.16%60 Cash-to-Debt is 0.20 as of Jun. 2026, which is 44% below its 10-year median of 0.36. GuruFocus rates PHS:UPSON with a GF Score™ of 60/100 and a GF Value™ of ₱0.87 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,118 Retail - Cyclical companies, Upson International ranks worse than 69.05% 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. Upson International's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.20.
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, Upson Internationalcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Upson International's Cash-to-Debt or its related term are showing as below:
PHS:UPSON'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.36 Max: 0.95
Current: 0.2
During the past 7 years, Upson International's highest Cash to Debt Ratio was 0.95. The lowest was 0.07. And the median was 0.36.
PHS:UPSON's Cash-to-Debt is ranked worse than 69.05% of 1118
companies
in the Retail - Cyclical industry
Industry Median: 0.47
vs PHS:UPSON: 0.20
Upson International (PHS:UPSON) 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.
Upson International Cash-to-Debt Related Terms
Upson International Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Upson International'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:UPSON vs CASY, WSM, ULTA: Cash-to-Debt Comparison
For the Specialty Retail subindustry, Upson International'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.
Upson International Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Upson International's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Upson International'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.
Upson International (PHS:UPSON) has a Cash-to-Debt of 0.20 as of Jun. 2026. This is 44% below median its historical median of 0.36. Over the past decade, Upson International's Cash-to-Debt has ranged from 0.07 to 0.95. According to the industry distribution chart, Upson International ranks #772 out of 1118 companies in the Retail - Cyclical industry, placing it in the top 69.1%.
Is Upson International's Cash-to-Debt too high?
Upson International's current Cash-to-Debt of 0.20 is 44% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.95. The Retail - Cyclical industry median Cash-to-Debt is 0.47. Upson International's value of 0.20 is 57.4% below this industry median. Based on the distribution chart, Upson International ranks #772 out of 1118 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Upson International has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Upson International's Cash-to-Debt compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Upson International ranks #772 out of 1118 companies for Cash-to-Debt. This places Upson International in the lower half of its industry. The industry median Cash-to-Debt is 0.47. Upson International's value of 0.20 is 57.4% below this benchmark. Historically, Upson International's own Cash-to-Debt has ranged from 0.07 to 0.95 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.47, Upson International 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 - Cyclical company?
The median Cash-to-Debt among Retail - Cyclical companies is 0.47, based on 1,118 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. Upson International's current Cash-to-Debt of 0.20 is 57.4% 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 - Cyclical industry, the median Cash-to-Debt is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upson International's current Cash-to-Debt is 0.20, which is 44% below median its own 10-year median of 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upson International stock overvalued right now?
Based on GuruFocus' analysis, Upson International (PHS:UPSON) is currently considered Fairly Valued. The stock's GF Value™ is ₱0.87, compared to a current price of ₱0.87 — trading right at its estimated fair value. The current Cash-to-Debt is 0.20, which is 44% below median its 10-year median of 0.36 and 57.4% below the Retail - Cyclical industry median of 0.47. Upson International's overall GF Score™ is 60/100 with 7 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 Upson International (PHS:UPSON), the current Cash-to-Debt is 0.20 as of Jun. 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 Upson International (PHS:UPSON) Overvalued in 2026?
Based on GuruFocus' analysis, Upson International stock appears to be undervalued.
The current stock price of ₱0.87 is trading 0% below its estimated GF Value™ of ₱0.87.
GuruFocus considers Upson International to be Fairly Valued.
Key valuation signals for PHS:UPSON:
Cash-to-Debt: 0.20 (44% below median its 10-year median of 0.36)
GF Value™: ₱0.87 vs. price of ₱0.87 (0% below fair value)
Industry Position: 57.4% below the Retail - Cyclical median (#772 of 1118)
No single metric tells the full story. See the PHS:UPSON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upson International Corp is engaged in the business of buying, selling, distributing, marketing, at wholesale and retail all kinds of goods, commodities, wares and merchandise such as but not limited to computer hardware equipment, telecommunications and other similar products. The company operates in two segments 1) Retail of information and communications technology (ICT) products. and 2) Retail of water filtration and purification devices. Key revenue is generated from ICT Products. The Group operates and generates revenue principally in the Philippines.
60GF Score
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