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UnitilUTL -0.08%76 Cash-to-Debt is 0.01 as of Jun. 2026, which is at its 10-year median of 0.01. GuruFocus rates UTL with a GF Score™ of 76/100 and a GF Value™ of $54.24 (Fairly Valued). The stock has 6 warning signs investors should review. Among 486 Utilities - Regulated companies, Unitil ranks worse than 94.44% 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. Unitil's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.01.
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, Unitilcouldn'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 Unitil's Cash-to-Debt or its related term are showing as below:
UTL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0 Med: 0.01 Max: 0.02
Current: 0.01
During the past 13 years, Unitil's highest Cash to Debt Ratio was 0.02. The lowest was 0.00. And the median was 0.01.
UTL's Cash-to-Debt is ranked worse than 94.44% of 486
companies
in the Utilities - Regulated industry
Industry Median: 0.215
vs UTL: 0.01
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.
Unitil Cash-to-Debt Related Terms
Unitil Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Unitil'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 Utilities - Diversified subindustry, Unitil'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.
Unitil Cash-to-Debt vs Utilities - Regulated Industry
For the Utilities - Regulated industry and Utilities sector, Unitil's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Unitil'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.
Unitil (UTL) has a Cash-to-Debt of 0.01 as of Jun. 2026. This is near median its historical median of 0.01. According to the industry distribution chart, Unitil ranks #459 out of 486 companies in the Utilities - Regulated industry, placing it in the top 94.4%.
Is Unitil's Cash-to-Debt too high?
Unitil's current Cash-to-Debt of 0.01 is near median its 10-year median of 0.01. The Utilities - Regulated industry median Cash-to-Debt is 0.22. Unitil's value of 0.01 is 95.3% below this industry median. Based on the distribution chart, Unitil ranks #459 out of 486 companies in the Utilities - Regulated industry, which is in the bottom quartile relative to peers. Overall, Unitil has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Unitil's Cash-to-Debt compare to AVA and SRE?
According to the Utilities - Regulated industry distribution chart, Unitil ranks #459 out of 486 companies for Cash-to-Debt. This places Unitil in the lower half of its industry. The industry median Cash-to-Debt is 0.22. Unitil's value of 0.01 is 95.3% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 0.22, Unitil 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 an Utilities - Regulated company?
The median Cash-to-Debt among Utilities - Regulated companies is 0.22, based on 486 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. Unitil's current Cash-to-Debt of 0.01 is 95.3% 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 Utilities - Regulated industry, the median Cash-to-Debt is 0.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unitil's current Cash-to-Debt is 0.01, which is near median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unitil stock overvalued right now?
Based on GuruFocus' analysis, Unitil (UTL) is currently considered Fairly Valued. The stock's GF Value™ is $54.24, compared to a current price of $53.09 — trading 2.1% below its estimated fair value. The current Cash-to-Debt is 0.01, which is near median its 10-year median of 0.01 and 95.3% below the Utilities - Regulated industry median of 0.22. Unitil's overall GF Score™ is 76/100 with 6 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 Unitil (UTL), the current Cash-to-Debt is 0.01 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 Unitil (UTL) Overvalued in 2026?
Based on GuruFocus' analysis, Unitil stock appears to be undervalued.
The current stock price of $53.09 is trading 2.1% below its estimated GF Value™ of $54.24.
GuruFocus considers Unitil to be Fairly Valued.
Key valuation signals for UTL:
Cash-to-Debt: 0.01 (near median its 10-year median of 0.01)
GF Value™: $54.24 vs. price of $53.09 (2.1% below fair value)
Industry Position: 95.3% below the Utilities - Regulated median (#459 of 486)
No single metric tells the full story. See the UTL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unitil Corp through its subsidiaries engages in the distribution of electricity and natural gas in its service territories in the states of New Hampshire, Massachusetts and Maine. Its natural gas operations include gas distribution utility operations and interstate gas transmission pipeline operations. It also engages in interstate natural gas transmission pipeline company, operating approximately 85 miles of underground gas transmission pipeline located in Maine and New Hampshire. The company's segments include Electric and Gas.
76GF Score
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