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PicS NVPICS -1.16%39 Cash-to-Debt is 3.91 as of Jun. 2026, which is 6% below its 10-year median of 4.18. GuruFocus rates PICS with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 2,784 Software companies, PicS NV ranks better than 56.18% 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. PicS NV's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.91.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, PicS NVcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PicS NV's Cash-to-Debt or its related term are showing as below:
PICS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 4.18 Max: 77.1
Current: 3.91
During the past 7 years, PicS NV's highest Cash to Debt Ratio was 77.10. The lowest was 0.04. And the median was 4.18.
PICS's Cash-to-Debt is ranked better than 56.18% of 2784
companies
in the Software industry
Industry Median: 2.53
vs PICS: 3.91
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.
PicS NV Cash-to-Debt Related Terms
PicS NV Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PicS NV'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 Software - Infrastructure subindustry, PicS NV'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.
PicS NV Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, PicS NV's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PicS NV'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.
PicS NV (PICS) has a Cash-to-Debt of 3.91 as of Jun. 2026. This is near median its historical median of 4.18. Over the past decade, PicS NV's Cash-to-Debt has ranged from 0.04 to 77.10. According to the industry distribution chart, PicS NV ranks #1220 out of 2784 companies in the Software industry, placing it in the top 43.8%.
Is PicS NV's Cash-to-Debt too high?
PicS NV's current Cash-to-Debt of 3.91 is near median its 10-year median of 4.18. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 77.10. The Software industry median Cash-to-Debt is 2.53. PicS NV's value of 3.91 is 54.5% above this industry median. Based on the distribution chart, PicS NV ranks #1220 out of 2784 companies in the Software industry, which is above the industry midpoint. Overall, PicS NV has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does PicS NV's Cash-to-Debt compare to PRGS and NN?
According to the Software industry distribution chart, PicS NV ranks #1220 out of 2784 companies for Cash-to-Debt. This puts PicS NV in the upper half of its industry. The industry median Cash-to-Debt is 2.53. PicS NV's value of 3.91 is 54.5% above this benchmark. Historically, PicS NV's own Cash-to-Debt has ranged from 0.04 to 77.10 over the past decade. While the company's 10-year median is 4.18 vs. the industry median of 2.53, PicS NV 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 Software company?
The median Cash-to-Debt among Software companies is 2.53, based on 2,784 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. PicS NV's current Cash-to-Debt of 3.91 is 54.5% 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 Software industry, the median Cash-to-Debt is 2.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PicS NV's current Cash-to-Debt is 3.91, which is near median its own 10-year median of 4.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PicS NV stock overvalued right now?
PicS NV (PICS) has a current Cash-to-Debt of 3.91. The current Cash-to-Debt is 3.91, which is near median its 10-year median of 4.18 and 54.5% above the Software industry median of 2.53. PicS NV's overall GF Score™ is 39/100 with 2 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 PicS NV (PICS), the current Cash-to-Debt is 3.91 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.
PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.
39GF Score
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