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PSI Software SEPSSWF 74 Cash-to-Debt is 0.34 as of Dec. 2025, which is 79% below its 10-year median of 1.63. GuruFocus rates PSSWF with a GF Score™ of 74/100 and a GF Value™ of $15.14. The stock has 8 warning signs investors should review. Among 2,849 Software companies, PSI Software SE ranks worse than 80.62% 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. PSI Software SE's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.34.
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, PSI Software SEcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for PSI Software SE's Cash-to-Debt or its related term are showing as below:
PSSWF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.34 Med: 1.63 Max: No Debt
Current: 0.34
During the past 13 years, PSI Software SE's highest Cash to Debt Ratio was No Debt. The lowest was 0.34. And the median was 1.63.
PSSWF's Cash-to-Debt is ranked worse than 80.62% of 2849
companies
in the Software industry
Industry Median: 2.53
vs PSSWF: 0.34
PSI Software SE (OTCPK:PSSWF) 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.
PSI Software SE Cash-to-Debt Related Terms
PSI Software SE Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PSI Software SE'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 - Application subindustry, PSI Software SE'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.
PSI Software SE Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, PSI Software SE's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PSI Software SE'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.
PSI Software SE (PSSWF) has a Cash-to-Debt of 0.34 as of Dec. 2025. This is 79% below median its historical median of 1.63. Over the past decade, PSI Software SE's Cash-to-Debt has ranged from 0.34 to 10,000.00. According to the industry distribution chart, PSI Software SE ranks #2297 out of 2849 companies in the Software industry, placing it in the top 80.6%.
Is PSI Software SE's Cash-to-Debt too high?
PSI Software SE's current Cash-to-Debt of 0.34 is 79% below median its 10-year median of 1.63. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.53. PSI Software SE's value of 0.34 is 86.6% below this industry median. Based on the distribution chart, PSI Software SE ranks #2297 out of 2849 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, PSI Software SE has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does PSI Software SE's Cash-to-Debt compare to UBER and SHOP?
According to the Software industry distribution chart, PSI Software SE ranks #2297 out of 2849 companies for Cash-to-Debt. This places PSI Software SE in the lower half of its industry. The industry median Cash-to-Debt is 2.53. PSI Software SE's value of 0.34 is 86.6% below this benchmark. Historically, PSI Software SE's own Cash-to-Debt has ranged from 0.34 to 10,000.00 over the past decade. While the company's 10-year median is 1.63 vs. the industry median of 2.53, PSI Software SE 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 Software company?
The median Cash-to-Debt among Software companies is 2.53, based on 2,849 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. PSI Software SE's current Cash-to-Debt of 0.34 is 86.6% 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 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. PSI Software SE's current Cash-to-Debt is 0.34, which is 79% below median its own 10-year median of 1.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSI Software SE stock overvalued right now?
PSI Software SE (PSSWF) has a current Cash-to-Debt of 0.34. The stock's GF Value™ is $15.14, compared to a current price of $23.79 — trading 57.1% above its estimated fair value. The current Cash-to-Debt is 0.34, which is 79% below median its 10-year median of 1.63 and 86.6% below the Software industry median of 2.53. PSI Software SE's overall GF Score™ is 74/100 with 8 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 PSI Software SE (PSSWF), the current Cash-to-Debt is 0.34 as of Dec. 2025. 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 PSI Software SE (PSSWF) Overvalued in 2026?
Based on GuruFocus' analysis, PSI Software SE stock appears to be overvalued.
The current stock price of $23.79 is trading 57.1% above its estimated GF Value™ of $15.14.
Key valuation signals for PSSWF:
Cash-to-Debt: 0.34 (79% below median its 10-year median of 1.63)
GF Value™: $15.14 vs. price of $23.79 (57.1% above fair value)
Industry Position: 86.6% below the Software median (#2297 of 2849)
No single metric tells the full story. See the PSSWF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PSI Software SE is a software producer in process control and information systems. Its core business consists of process control and information systems for managing energy and material flows in industries tailored to the electricity, gas, oil, and district heating sectors, engineering, automobile, and automotive supply and logistics sectors. The company's segments include Energy Management, which offers intelligent solutions for utility companies in the electricity, gas, oil, and water sectors; the Production Management segment provides solutions for planning and controlling production processes in metals production, logistics, mechanical engineering, and automotive manufacturing. It generates maximum revenue from the Energy Management segment.
74GF Score
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