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UNITEDUTNDF 71 Cash-to-Debt is 76.51 as of Mar. 2026, which is 2% below its 10-year median of 78.02. GuruFocus rates UTNDF with a GF Score™ of 71/100. The stock has 4 warning signs investors should review. Among 2,844 Software companies, UNITED ranks better than 83.16% 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. UNITED's cash to debt ratio for the quarter that ended in Mar. 2026 was 76.51.
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, UNITEDcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for UNITED's Cash-to-Debt or its related term are showing as below:
UTNDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 51.14 Med: 78.02 Max: 160.7
Current: 75.1
During the past 13 years, UNITED's highest Cash to Debt Ratio was 160.70. The lowest was 51.14. And the median was 78.02.
UTNDF's Cash-to-Debt is ranked better than 83.16% of 2844
companies
in the Software industry
Industry Median: 2.545
vs UTNDF: 75.10
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.
UNITED Cash-to-Debt Related Terms
UNITED Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for UNITED'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 Software - Application subindustry, UNITED'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.
UNITED Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, UNITED's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where UNITED'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.
UNITED (UTNDF) has a Cash-to-Debt of 76.51 as of Mar. 2026. This is near median its historical median of 78.02. Over the past decade, UNITED's Cash-to-Debt has ranged from 51.14 to 160.70. According to the industry distribution chart, UNITED ranks #479 out of 2844 companies in the Software industry, placing it in the top 16.8%.
Is UNITED's Cash-to-Debt too high?
UNITED's current Cash-to-Debt of 76.51 is near median its 10-year median of 78.02. Over the past 10 years, this metric has ranged from a low of 51.14 to a high of 160.70. The Software industry median Cash-to-Debt is 2.55. UNITED's value of 76.51 is 2906.3% above this industry median. Based on the distribution chart, UNITED ranks #479 out of 2844 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, UNITED has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does UNITED's Cash-to-Debt compare to QH and SHOP?
According to the Software industry distribution chart, UNITED ranks #479 out of 2844 companies for Cash-to-Debt. This places UNITED in the top 17% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.55. UNITED's value of 76.51 is 2906.3% above this benchmark. Historically, UNITED's own Cash-to-Debt has ranged from 51.14 to 160.70 over the past decade. While the company's 10-year median is 78.02 vs. the industry median of 2.55, UNITED 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 Software company?
The median Cash-to-Debt among Software companies is 2.55, based on 2,844 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. UNITED's current Cash-to-Debt of 76.51 is 2906.3% 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 Software industry, the median Cash-to-Debt is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UNITED's current Cash-to-Debt is 76.51, which is near median its own 10-year median of 78.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UNITED stock overvalued right now?
UNITED (UTNDF) has a current Cash-to-Debt of 76.51. The current Cash-to-Debt is 76.51, which is near median its 10-year median of 78.02 and 2906.3% above the Software industry median of 2.55. UNITED's overall GF Score™ is 71/100 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 UNITED (UTNDF), the current Cash-to-Debt is 76.51 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.
UNITED Inc is a Japan-based company, engages in advertising technology and smartphone applications business. It offers various smartphone applications, including CocoPPa, CocoPPa Play, CocoPPa Launcher, CHEERZ, and Crash Fever; and Kanahei Apps.
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