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Tandy Leather FactoryTLF +0.76%51 Cash-to-Debt is 0.23 as of Jun. 2026, which is 81% below its 10-year median of 1.20. GuruFocus rates TLF with a GF Score™ of 51/100 and a GF Value™ of $4.23 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,118 Retail - Cyclical companies, Tandy Leather Factory ranks worse than 65.56% 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. Tandy Leather Factory's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.23.
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, Tandy Leather Factorycouldn'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 Tandy Leather Factory's Cash-to-Debt or its related term are showing as below:
TLF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 1.2 Max: 2.68
Current: 0.23
During the past 13 years, Tandy Leather Factory's highest Cash to Debt Ratio was 2.68. The lowest was 0.23. And the median was 1.20.
TLF's Cash-to-Debt is ranked worse than 65.56% of 1118
companies
in the Retail - Cyclical industry
Industry Median: 0.47
vs TLF: 0.23
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.
Tandy Leather Factory Cash-to-Debt Related Terms
Tandy Leather Factory Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Tandy Leather Factory'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 Specialty Retail subindustry, Tandy Leather Factory'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.
Tandy Leather Factory Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Tandy Leather Factory's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Tandy Leather Factory'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.
Tandy Leather Factory (TLF) has a Cash-to-Debt of 0.23 as of Jun. 2026. This is 81% below median its historical median of 1.20. Over the past decade, Tandy Leather Factory's Cash-to-Debt has ranged from 0.23 to 2.68. According to the industry distribution chart, Tandy Leather Factory ranks #733 out of 1118 companies in the Retail - Cyclical industry, placing it in the top 65.6%.
Is Tandy Leather Factory's Cash-to-Debt too high?
Tandy Leather Factory's current Cash-to-Debt of 0.23 is 81% below median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 2.68. The Retail - Cyclical industry median Cash-to-Debt is 0.47. Tandy Leather Factory's value of 0.23 is 51.1% below this industry median. Based on the distribution chart, Tandy Leather Factory ranks #733 out of 1118 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Tandy Leather Factory has a GF Score™ of 51/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tandy Leather Factory's Cash-to-Debt compare to RECT and AETN?
According to the Retail - Cyclical industry distribution chart, Tandy Leather Factory ranks #733 out of 1118 companies for Cash-to-Debt. This places Tandy Leather Factory in the lower half of its industry. The industry median Cash-to-Debt is 0.47. Tandy Leather Factory's value of 0.23 is 51.1% below this benchmark. Historically, Tandy Leather Factory's own Cash-to-Debt has ranged from 0.23 to 2.68 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 0.47, Tandy Leather Factory 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 Retail - Cyclical company?
The median Cash-to-Debt among Retail - Cyclical companies is 0.47, based on 1,118 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. Tandy Leather Factory's current Cash-to-Debt of 0.23 is 51.1% 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 Retail - Cyclical industry, the median Cash-to-Debt is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tandy Leather Factory's current Cash-to-Debt is 0.23, which is 81% below median its own 10-year median of 1.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tandy Leather Factory stock overvalued right now?
Based on GuruFocus' analysis, Tandy Leather Factory (TLF) is currently considered Significantly Undervalued. The stock's GF Value™ is $4.23, compared to a current price of $2.64 — trading 37.6% below its estimated fair value. The current Cash-to-Debt is 0.23, which is 81% below median its 10-year median of 1.20 and 51.1% below the Retail - Cyclical industry median of 0.47. Tandy Leather Factory's overall GF Score™ is 51/100 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 Tandy Leather Factory (TLF), the current Cash-to-Debt is 0.23 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 Tandy Leather Factory (TLF) Overvalued in 2026?
Based on GuruFocus' analysis, Tandy Leather Factory stock appears to be undervalued.
The current stock price of $2.64 is trading 37.6% below its estimated GF Value™ of $4.23.
GuruFocus considers Tandy Leather Factory to be Significantly Undervalued.
Key valuation signals for TLF:
Cash-to-Debt: 0.23 (81% below median its 10-year median of 1.20)
GF Value™: $4.23 vs. price of $2.64 (37.6% below fair value)
Industry Position: 51.1% below the Retail - Cyclical median (#733 of 1118)
No single metric tells the full story. See the TLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tandy Leather Factory Inc is a specialty retailers of leather and leathercraft-related items. Its primary line of business is the sale of leather, leather crafts, and related supplies. Its broad line of leather and related products includes leather, leatherworking tools, leather dyes and finishes, and do-it-yourself kits. Its products include Leather, tools, Hardware, Supplies, Kits, Books and Patterns, and Gift cards. The company sells its products primarily through company-owned stores and through orders generated from its global websites, and through direct account representatives in its commercial division. Geographically the company operates within the United States, and Canada. it generates the highest revenue from the United States.
51GF Score
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