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RegisRGS -1.04%57 Cash-to-Debt is 0.09 as of Jun. 2026, which is 29% above its 10-year median of 0.07. GuruFocus rates RGS with a GF Score™ of 57/100 and a GF Value™ of $21.38 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 94 Personal Services companies, Regis ranks worse than 88.3% 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. Regis's cash to debt ratio for the quarter that ended in Jun. 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, Regiscouldn'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 Regis's Cash-to-Debt or its related term are showing as below:
RGS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.07 Max: 1.42
Current: 0.09
During the past 13 years, Regis's highest Cash to Debt Ratio was 1.42. The lowest was 0.02. And the median was 0.07.
RGS's Cash-to-Debt is ranked worse than 88.3% of 94
companies
in the Personal Services industry
Industry Median: 0.6
vs RGS: 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.
Regis Cash-to-Debt Related Terms
Regis Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Regis'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 Personal Services subindustry, Regis'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.
Regis Cash-to-Debt vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Regis's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Regis'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.
Regis (RGS) has a Cash-to-Debt of 0.09 as of Jun. 2026. This is 29% above median its historical median of 0.07. Over the past decade, Regis' Cash-to-Debt has ranged from 0.02 to 1.42. According to the industry distribution chart, Regis ranks #83 out of 94 companies in the Personal Services industry, placing it in the top 88.3%.
Is Regis' Cash-to-Debt too high?
Regis' 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 0.02 to a high of 1.42. The Personal Services industry median Cash-to-Debt is 0.60. Regis' value of 0.09 is 85% below this industry median. Based on the distribution chart, Regis ranks #83 out of 94 companies in the Personal Services industry, which is in the bottom quartile relative to peers. Overall, Regis has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Regis' Cash-to-Debt compare to CLIK and DROR?
According to the Personal Services industry distribution chart, Regis ranks #83 out of 94 companies for Cash-to-Debt. This places Regis in the lower half of its industry. The industry median Cash-to-Debt is 0.60. Regis' value of 0.09 is 85% below this benchmark. Historically, Regis' own Cash-to-Debt has ranged from 0.02 to 1.42 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.60, Regis 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 Personal Services company?
The median Cash-to-Debt among Personal Services companies is 0.60, based on 94 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. Regis's current Cash-to-Debt of 0.09 is 85% 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 Personal Services industry, the median Cash-to-Debt is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regis'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 Regis stock overvalued right now?
Based on GuruFocus' analysis, Regis (RGS) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.38, compared to a current price of $28.50 — trading 33.3% above 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 85% below the Personal Services industry median of 0.60. Regis' overall GF Score™ is 57/100 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 Regis (RGS), the current Cash-to-Debt is 0.09 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 Regis (RGS) Overvalued in 2026?
Based on GuruFocus' analysis, Regis stock appears to be overvalued.
The current stock price of $28.50 is trading 33.3% above its estimated GF Value™ of $21.38.
GuruFocus considers Regis to be Significantly Overvalued.
Key valuation signals for RGS:
Cash-to-Debt: 0.09 (29% above median its 10-year median of 0.07)
GF Value™: $21.38 vs. price of $28.50 (33.3% above fair value)
Industry Position: 85% below the Personal Services median (#83 of 94)
No single metric tells the full story. See the RGS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Regis Corporation owns, franchises, and operates beauty salons in North America and the U.K., serving mainly price-conscious customers. Its salons, located mostly in strip malls, shopping centers, and Walmart stores, offer services like haircutting, styling, shampooing, conditioning, and hair coloring, along with hair care and beauty products. The company's primary brands include Supercuts, SmartStyle, and Cost Cutters. Regis generates the majority of its revenue from these mass-market locations and reports operations in two segments: franchise and company-owned, with services making up about 94% of company-owned salon sales.
57GF Score
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