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Universe PharmaceuticalsUPC -6.93%58 Cash-to-Debt is 3.04 as of Mar. 2026, which is 20% below its 10-year median of 3.80. GuruFocus rates UPC with a GF Score™ of 58/100 and a GF Value™ of $2.76 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 978 Drug Manufacturers companies, Universe Pharmaceuticals ranks better than 66.16% 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. Universe Pharmaceuticals's cash to debt ratio for the quarter that ended in Mar. 2026 was 3.04.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Universe Pharmaceuticalscould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Universe Pharmaceuticals's Cash-to-Debt or its related term are showing as below:
UPC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.96 Med: 3.8 Max: 13.11
Current: 3.04
During the past 8 years, Universe Pharmaceuticals's highest Cash to Debt Ratio was 13.11. The lowest was 0.96. And the median was 3.80.
UPC's Cash-to-Debt is ranked better than 66.16% of 978
companies
in the Drug Manufacturers industry
Industry Median: 0.97
vs UPC: 3.04
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.
Universe Pharmaceuticals Cash-to-Debt Related Terms
Universe Pharmaceuticals Cash-to-Debt Historical Data
* 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 Drug Manufacturers - Specialty & Generic subindustry, Universe Pharmaceuticals'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.
Universe Pharmaceuticals Cash-to-Debt vs Drug Manufacturers Industry
For the Drug Manufacturers industry and Healthcare sector, Universe Pharmaceuticals's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Universe Pharmaceuticals'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.
Universe Pharmaceuticals (UPC) has a Cash-to-Debt of 3.04 as of Mar. 2026. This is 20% below median its historical median of 3.80. Over the past decade, Universe Pharmaceuticals' Cash-to-Debt has ranged from 0.96 to 13.11. According to the industry distribution chart, Universe Pharmaceuticals ranks #331 out of 978 companies in the Drug Manufacturers industry, placing it in the top 33.8%.
Is Universe Pharmaceuticals' Cash-to-Debt too high?
Universe Pharmaceuticals' current Cash-to-Debt of 3.04 is 20% below median its 10-year median of 3.80. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 13.11. The Drug Manufacturers industry median Cash-to-Debt is 0.97. Universe Pharmaceuticals' value of 3.04 is 213.4% above this industry median. Based on the distribution chart, Universe Pharmaceuticals ranks #331 out of 978 companies in the Drug Manufacturers industry, which is above the industry midpoint. Overall, Universe Pharmaceuticals has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Universe Pharmaceuticals' Cash-to-Debt compare to CTTH and PRFX?
According to the Drug Manufacturers industry distribution chart, Universe Pharmaceuticals ranks #331 out of 978 companies for Cash-to-Debt. This puts Universe Pharmaceuticals in the upper half of its industry. The industry median Cash-to-Debt is 0.97. Universe Pharmaceuticals' value of 3.04 is 213.4% above this benchmark. Historically, Universe Pharmaceuticals' own Cash-to-Debt has ranged from 0.96 to 13.11 over the past decade. While the company's 10-year median is 3.80 vs. the industry median of 0.97, Universe Pharmaceuticals has consistently been above 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 Drug Manufacturers company?
The median Cash-to-Debt among Drug Manufacturers companies is 0.97, based on 978 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. Universe Pharmaceuticals's current Cash-to-Debt of 3.04 is 213.4% above 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 Drug Manufacturers industry, the median Cash-to-Debt is 0.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universe Pharmaceuticals's current Cash-to-Debt is 3.04, which is 20% below median its own 10-year median of 3.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universe Pharmaceuticals stock overvalued right now?
Based on GuruFocus' analysis, Universe Pharmaceuticals (UPC) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.76, compared to a current price of $4.05 — trading 46.7% above its estimated fair value. The current Cash-to-Debt is 3.04, which is 20% below median its 10-year median of 3.80 and 213.4% above the Drug Manufacturers industry median of 0.97. Universe Pharmaceuticals' overall GF Score™ is 58/100 with 7 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 Universe Pharmaceuticals (UPC), the current Cash-to-Debt is 3.04 as of Mar. 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 Universe Pharmaceuticals (UPC) Overvalued in 2026?
Based on GuruFocus' analysis, Universe Pharmaceuticals stock appears to be overvalued.
The current stock price of $4.05 is trading 46.7% above its estimated GF Value™ of $2.76.
GuruFocus considers Universe Pharmaceuticals to be Significantly Overvalued.
Key valuation signals for UPC:
Cash-to-Debt: 3.04 (20% below median its 10-year median of 3.80)
GF Value™: $2.76 vs. price of $4.05 (46.7% above fair value)
Industry Position: 213.4% above the Drug Manufacturers median (#331 of 978)
No single metric tells the full story. See the UPC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Universe Pharmaceuticals Inc is a pharmaceutical company specializing in the manufacturing, marketing, sales and distribution of traditional Chinese medicine derivatives products targeting the elderly with the goal of addressing their physical conditions in the ageing process and promoting their general well-being. The company also sells biomedical drugs, medical instruments, Traditional Chinese Medicine Pieces, and dietary supplements manufactured by third-party pharmaceutical companies. Its products are under two categories namely treatment and relief for common chronic health conditions in the elderly designed to achieve physical wellness and longevity (Chronic Condition Treatments), and cold and flu medications.
58GF Score
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