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Topicus comTOITF -1.96%67 Cash-to-Debt is 0.58 as of Jun. 2026, which is 7% above its 10-year median of 0.54. GuruFocus rates TOITF with a GF Score™ of 67/100 and a GF Value™ of $133.00 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 2,845 Software companies, Topicus com ranks worse than 72.86% 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. Topicus com's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.58.
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, Topicus comcouldn'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 Topicus com's Cash-to-Debt or its related term are showing as below:
TOITF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 0.54 Max: 0.78
Current: 0.58
During the past 7 years, Topicus com's highest Cash to Debt Ratio was 0.78. The lowest was 0.23. And the median was 0.54.
TOITF's Cash-to-Debt is ranked worse than 72.86% of 2845
companies
in the Software industry
Industry Median: 2.48
vs TOITF: 0.58
Topicus com (OTCPK:TOITF) 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.
Topicus com Cash-to-Debt Related Terms
Topicus com Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Topicus com'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.
TOITF vs MSFT, PLTR, ORCL: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, Topicus com'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.
Topicus com Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Topicus com's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Topicus com'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.
Topicus com (TOITF) has a Cash-to-Debt of 0.58 as of Jun. 2026. This is near median its historical median of 0.54. Over the past decade, Topicus com's Cash-to-Debt has ranged from 0.23 to 0.78. According to the industry distribution chart, Topicus com ranks #2073 out of 2845 companies in the Software industry, placing it in the top 72.9%.
Is Topicus com's Cash-to-Debt too high?
Topicus com's current Cash-to-Debt of 0.58 is near median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.78. The Software industry median Cash-to-Debt is 2.48. Topicus com's value of 0.58 is 76.6% below this industry median. Based on the distribution chart, Topicus com ranks #2073 out of 2845 companies in the Software industry, which is below the industry midpoint. Overall, Topicus com has a GF Score™ of 67/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Topicus com's Cash-to-Debt compare to MSFT and PLTR?
According to the Software industry distribution chart, Topicus com ranks #2073 out of 2845 companies for Cash-to-Debt. This places Topicus com in the lower half of its industry. The industry median Cash-to-Debt is 2.48. Topicus com's value of 0.58 is 76.6% below this benchmark. Historically, Topicus com's own Cash-to-Debt has ranged from 0.23 to 0.78 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 2.48, Topicus com 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 2.48, based on 2,845 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. Topicus com's current Cash-to-Debt of 0.58 is 76.6% 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 2.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Topicus com's current Cash-to-Debt is 0.58, which is near median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Topicus com stock overvalued right now?
Based on GuruFocus' analysis, Topicus com (TOITF) is currently considered Significantly Undervalued. The stock's GF Value™ is $133.00, compared to a current price of $73.00 — trading 45.1% below its estimated fair value. The current Cash-to-Debt is 0.58, which is near median its 10-year median of 0.54 and 76.6% below the Software industry median of 2.48. Topicus com's overall GF Score™ is 67/100 with 4 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 Topicus com (TOITF), the current Cash-to-Debt is 0.58 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 Topicus com (TOITF) Overvalued in 2026?
Based on GuruFocus' analysis, Topicus com stock appears to be undervalued.
The current stock price of $73.00 is trading 45.1% below its estimated GF Value™ of $133.00.
GuruFocus considers Topicus com to be Significantly Undervalued.
Key valuation signals for TOITF:
Cash-to-Debt: 0.58 (near median its 10-year median of 0.54)
GF Value™: $133.00 vs. price of $73.00 (45.1% below fair value)
Industry Position: 76.6% below the Software median (#2073 of 2845)
No single metric tells the full story. See the TOITF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Topicus com Inc is engaged in the development, installation, and customization of vertical market software and the provision of related professional services and support for customers across several diverse markets, mainly in Europe. Its revenue consists mainly of software license fees, maintenance and other recurring fees, professional service fees, and hardware sales. Geographically, the company generates maximum revenue from its business in the Netherlands, and the rest from other markets.
67GF Score
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