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Facephi BiometriaXMAD:FACE -6.49%65 Cash-to-Debt is 0.31 as of Dec. 2025, which is 24% above its 10-year median of 0.25. GuruFocus rates XMAD:FACE with a GF Score™ of 65/100 and a GF Value™ of €3.08 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 2,843 Software companies, Facephi Biometria ranks worse than 81.5% 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. Facephi Biometria's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.31.
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, Facephi Biometriacouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Facephi Biometria's Cash-to-Debt or its related term are showing as below:
XMAD:FACE'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05 Med: 0.25 Max: 1.73
Current: 0.31
During the past 13 years, Facephi Biometria's highest Cash to Debt Ratio was 1.73. The lowest was 0.05. And the median was 0.25.
XMAD:FACE's Cash-to-Debt is ranked worse than 81.5% of 2843
companies
in the Software industry
Industry Median: 2.49
vs XMAD:FACE: 0.31
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.
Facephi Biometria Cash-to-Debt Related Terms
Facephi Biometria Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Facephi Biometria'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.
XMAD:FACE vs CRM, SHOP, UBER: Cash-to-Debt Comparison
For the Software - Application subindustry, Facephi Biometria'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.
Facephi Biometria Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Facephi Biometria's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Facephi Biometria'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.
Facephi Biometria (XMAD:FACE) has a Cash-to-Debt of 0.31 as of Dec. 2025. This is 24% above median its historical median of 0.25. Over the past decade, Facephi Biometria's Cash-to-Debt has ranged from 0.05 to 1.73. According to the industry distribution chart, Facephi Biometria ranks #2317 out of 2843 companies in the Software industry, placing it in the top 81.5%.
Is Facephi Biometria's Cash-to-Debt too high?
Facephi Biometria's current Cash-to-Debt of 0.31 is 24% above median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 1.73. The Software industry median Cash-to-Debt is 2.49. Facephi Biometria's value of 0.31 is 87.6% below this industry median. Based on the distribution chart, Facephi Biometria ranks #2317 out of 2843 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Facephi Biometria has a GF Score™ of 65/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Facephi Biometria's Cash-to-Debt compare to CRM and SHOP?
According to the Software industry distribution chart, Facephi Biometria ranks #2317 out of 2843 companies for Cash-to-Debt. This places Facephi Biometria in the lower half of its industry. The industry median Cash-to-Debt is 2.49. Facephi Biometria's value of 0.31 is 87.6% below this benchmark. Historically, Facephi Biometria's own Cash-to-Debt has ranged from 0.05 to 1.73 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 2.49, Facephi Biometria 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 2.49, based on 2,843 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. Facephi Biometria's current Cash-to-Debt of 0.31 is 87.6% 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 2.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Facephi Biometria's current Cash-to-Debt is 0.31, which is 24% above median its own 10-year median of 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Facephi Biometria stock overvalued right now?
Based on GuruFocus' analysis, Facephi Biometria (XMAD:FACE) is currently considered Possible Value Trap. The stock's GF Value™ is €3.08, compared to a current price of €1.44 — trading 53.2% below its estimated fair value. The current Cash-to-Debt is 0.31, which is 24% above median its 10-year median of 0.25 and 87.6% below the Software industry median of 2.49. Facephi Biometria's overall GF Score™ is 65/100 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 Facephi Biometria (XMAD:FACE), the current Cash-to-Debt is 0.31 as of Dec. 2025. 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 Facephi Biometria (XMAD:FACE) Overvalued in 2026?
Based on GuruFocus' analysis, Facephi Biometria stock appears to be undervalued.
The current stock price of €1.44 is trading 53.2% below its estimated GF Value™ of €3.08.
GuruFocus considers Facephi Biometria to be Possible Value Trap.
Key valuation signals for XMAD:FACE:
Cash-to-Debt: 0.31 (24% above median its 10-year median of 0.25)
GF Value™: €3.08 vs. price of €1.44 (53.2% below fair value)
Industry Position: 87.6% below the Software median (#2317 of 2843)
No single metric tells the full story. See the XMAD:FACE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Facephi Biometria SA is a technology company specializing in digital identity verification, fraud prevention, and regulatory compliance solutions. It delivers an AI/ML-powered Identity & Anti-Fraud platform that provides a comprehensive 360-degree end-to-end approach to digital protection. It develops solutions that make digital processes safer, more accessible, and fraud-free. Its technologies help prevent identity theft while ensuring the ethical management and protection of personal data. Geographically, it operates in Spain and the rest of Countries with the majority of the revenue from the rest of Countries.
65GF Score
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