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Propel HoldingsPRLPF -4.22%74 Cash-to-Debt is 0.09 as of Mar. 2026, which is 29% above its 10-year median of 0.07. GuruFocus rates PRLPF with a GF Score™ of 74/100 and a GF Value™ of $23.08 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 513 Credit Services companies, Propel Holdings ranks worse than 63.94% 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. Propel Holdings's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.09.
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, Propel Holdingscouldn'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 Propel Holdings's Cash-to-Debt or its related term are showing as below:
PRLPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05 Med: 0.07 Max: 0.34
Current: 0.09
During the past 8 years, Propel Holdings's highest Cash to Debt Ratio was 0.34. The lowest was 0.05. And the median was 0.07.
PRLPF's Cash-to-Debt is ranked worse than 63.94% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs PRLPF: 0.09
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.
Propel Holdings Cash-to-Debt Related Terms
Propel Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Propel Holdings'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 Credit Services subindustry, Propel Holdings'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.
Propel Holdings Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Propel Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Propel Holdings'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.
Propel Holdings (PRLPF) has a Cash-to-Debt of 0.09 as of Mar. 2026. This is 29% above median its historical median of 0.07. Over the past decade, Propel Holdings' Cash-to-Debt has ranged from 0.05 to 0.34. According to the industry distribution chart, Propel Holdings ranks #328 out of 513 companies in the Credit Services industry, placing it in the top 63.9%.
Is Propel Holdings' Cash-to-Debt too high?
Propel Holdings' current Cash-to-Debt of 0.09 is 29% above median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.34. The Credit Services industry median Cash-to-Debt is 0.20. Propel Holdings' value of 0.09 is 55% below this industry median. Based on the distribution chart, Propel Holdings ranks #328 out of 513 companies in the Credit Services industry, which is below the industry midpoint. Overall, Propel Holdings has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Propel Holdings' Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Propel Holdings ranks #328 out of 513 companies for Cash-to-Debt. This places Propel Holdings in the lower half of its industry. The industry median Cash-to-Debt is 0.20. Propel Holdings' value of 0.09 is 55% below this benchmark. Historically, Propel Holdings' own Cash-to-Debt has ranged from 0.05 to 0.34 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.20, Propel Holdings 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 Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 513 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. Propel Holdings's current Cash-to-Debt of 0.09 is 55% 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 Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Propel Holdings's current Cash-to-Debt is 0.09, which is 29% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Propel Holdings stock overvalued right now?
Based on GuruFocus' analysis, Propel Holdings (PRLPF) is currently considered Modestly Undervalued. The stock's GF Value™ is $23.08, compared to a current price of $17.48 — trading 24.3% below its estimated fair value. The current Cash-to-Debt is 0.09, which is 29% above median its 10-year median of 0.07 and 55% below the Credit Services industry median of 0.20. Propel Holdings' overall GF Score™ is 74/100 with 5 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 Propel Holdings (PRLPF), the current Cash-to-Debt is 0.09 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 Propel Holdings (PRLPF) Overvalued in 2026?
Based on GuruFocus' analysis, Propel Holdings stock appears to be undervalued.
The current stock price of $17.48 is trading 24.3% below its estimated GF Value™ of $23.08.
GuruFocus considers Propel Holdings to be Modestly Undervalued.
Key valuation signals for PRLPF:
Cash-to-Debt: 0.09 (29% above median its 10-year median of 0.07)
GF Value™: $23.08 vs. price of $17.48 (24.3% below fair value)
Industry Position: 55% below the Credit Services median (#328 of 513)
No single metric tells the full story. See the PRLPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Propel Holdings Inc is a financial technology (fintech) company, committed to credit inclusion by facilitating fair, fast, and transparent access to credit through its proprietary, online lending platform. All the firm's operations are conducted through its consumer-facing brands: MoneyKey, CreditFresh, Fora Credit, and QuidMarket.
74GF Score
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