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Retail Food GroupRFGPF 41 Cash-to-Debt is 0.14 as of Dec. 2025, which is 26% below its 10-year median of 0.19. GuruFocus rates RFGPF with a GF Score™ of 41/100 and a GF Value™ of $2.95. The stock has 3 warning signs investors should review. Among 358 Restaurants companies, Retail Food Group ranks worse than 67.88% 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. Retail Food Group's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.14.
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, Retail Food Groupcouldn'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 Retail Food Group's Cash-to-Debt or its related term are showing as below:
RFGPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.19 Max: 0.27
Current: 0.14
During the past 13 years, Retail Food Group's highest Cash to Debt Ratio was 0.27. The lowest was 0.02. And the median was 0.19.
RFGPF's Cash-to-Debt is ranked worse than 67.88% of 358
companies
in the Restaurants industry
Industry Median: 0.4
vs RFGPF: 0.14
Retail Food Group (OTCPK:RFGPF) 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.
Retail Food Group Cash-to-Debt Related Terms
Retail Food Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Retail Food 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.
For the Restaurants subindustry, Retail Food 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.
Retail Food Group Cash-to-Debt vs Restaurants Industry
For the Restaurants industry and Consumer Cyclical sector, Retail Food Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Retail Food 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.
Retail Food Group (RFGPF) has a Cash-to-Debt of 0.14 as of Dec. 2025. This is 26% below median its historical median of 0.19. Over the past decade, Retail Food Group's Cash-to-Debt has ranged from 0.02 to 0.27. According to the industry distribution chart, Retail Food Group ranks #243 out of 358 companies in the Restaurants industry, placing it in the top 67.9%.
Is Retail Food Group's Cash-to-Debt too high?
Retail Food Group's current Cash-to-Debt of 0.14 is 26% below median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.27. The Restaurants industry median Cash-to-Debt is 0.40. Retail Food Group's value of 0.14 is 65% below this industry median. Based on the distribution chart, Retail Food Group ranks #243 out of 358 companies in the Restaurants industry, which is below the industry midpoint. Overall, Retail Food Group has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Retail Food Group's Cash-to-Debt compare to MCD and SBUX?
According to the Restaurants industry distribution chart, Retail Food Group ranks #243 out of 358 companies for Cash-to-Debt. This places Retail Food Group in the lower half of its industry. The industry median Cash-to-Debt is 0.40. Retail Food Group's value of 0.14 is 65% below this benchmark. Historically, Retail Food Group's own Cash-to-Debt has ranged from 0.02 to 0.27 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.40, Retail Food Group 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 Restaurants company?
The median Cash-to-Debt among Restaurants companies is 0.40, based on 358 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. Retail Food Group's current Cash-to-Debt of 0.14 is 65% 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 Restaurants industry, the median Cash-to-Debt is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Retail Food Group's current Cash-to-Debt is 0.14, which is 26% below median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Retail Food Group stock overvalued right now?
Retail Food Group (RFGPF) has a current Cash-to-Debt of 0.14. The stock's GF Value™ is $2.95, compared to a current price of $1.60 — trading 45.8% below its estimated fair value. The current Cash-to-Debt is 0.14, which is 26% below median its 10-year median of 0.19 and 65% below the Restaurants industry median of 0.40. Retail Food Group's overall GF Score™ is 41/100 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 Retail Food Group (RFGPF), the current Cash-to-Debt is 0.14 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 Retail Food Group (RFGPF) Overvalued in 2026?
Based on GuruFocus' analysis, Retail Food Group stock appears to be undervalued.
The current stock price of $1.60 is trading 45.8% below its estimated GF Value™ of $2.95.
Key valuation signals for RFGPF:
Cash-to-Debt: 0.14 (26% below median its 10-year median of 0.19)
GF Value™: $2.95 vs. price of $1.60 (45.8% below fair value)
Industry Position: 65% below the Restaurants median (#243 of 358)
No single metric tells the full story. See the RFGPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Retail Food Group Ltd owns, operates, and franchises restaurants located in Australia. Retail Food Group's brands include Donut King, Michel's Patisserie, Brumby's Bakery, Esquires Coffee Houses, Gloria Jean's Coffees, Pizza Capers Gourmet Kitchen, and Crust Gourmet Pizza. The company generates roughly half its revenue from restaurants that it directly operates. Its key source of revenue is from franchise agreements. The Group's primary revenue streams include revenue from the sales of goods, revenue from the sale of franchise agreements, revenue from the sale of distribution rights, operating lease income, and other sources. Its segments are Cafe, Coffee & Bakery, and Quick Service Restaurants (QSR) Systems and generates maximum revenue from the Cafe, Coffee & Bakery segment.
41GF Score
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