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C3.aiXSWX:AI +1.57%54 Cash-to-Debt is 103.19 as of Apr. 2026, which is 62% below its 10-year median of 273.27. GuruFocus rates XSWX:AI with a GF Score™ of 54/100 and a GF Value™ of CHF13.46. The stock has 7 warning signs investors should review. Among 2,849 Software companies, C3.ai ranks better than 84.73% 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. C3.ai's cash to debt ratio for the quarter that ended in Apr. 2026 was 103.19.
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, C3.aicould pay off its debt using the cash in hand for the quarter that ended in Apr. 2026.
The historical rank and industry rank for C3.ai's Cash-to-Debt or its related term are showing as below:
XSWX:AI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 103.18 Med: 273.27 Max: No Debt
Current: 103.18
During the past 8 years, C3.ai's highest Cash to Debt Ratio was No Debt. The lowest was 103.18. And the median was 273.27.
XSWX:AI's Cash-to-Debt is ranked better than 84.73% of 2849
companies
in the Software industry
Industry Median: 2.53
vs XSWX:AI: 103.18
C3.ai (XSWX:AI) 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.
C3.ai Cash-to-Debt Related Terms
C3.ai Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for C3.ai'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.
XSWX:AI vs PICS, PRGS, AEVA: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, C3.ai'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.
C3.ai Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, C3.ai's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where C3.ai'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.
C3.ai (XSWX:AI) has a Cash-to-Debt of 103.19 as of Apr. 2026. This is 62% below median its historical median of 273.27. Over the past decade, C3.ai's Cash-to-Debt has ranged from 103.18 to 10,000.00. According to the industry distribution chart, C3.ai ranks #435 out of 2849 companies in the Software industry, placing it in the top 15.3%.
Is C3.ai's Cash-to-Debt too high?
C3.ai's current Cash-to-Debt of 103.19 is 62% below median its 10-year median of 273.27. Over the past 10 years, this metric has ranged from a low of 103.18 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.53. C3.ai's value of 103.19 is 3978.7% above this industry median. Based on the distribution chart, C3.ai ranks #435 out of 2849 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, C3.ai has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does C3.ai's Cash-to-Debt compare to PICS and PRGS?
According to the Software industry distribution chart, C3.ai ranks #435 out of 2849 companies for Cash-to-Debt. This places C3.ai in the top 15% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.53. C3.ai's value of 103.19 is 3978.7% above this benchmark. Historically, C3.ai's own Cash-to-Debt has ranged from 103.18 to 10,000.00 over the past decade. While the company's 10-year median is 273.27 vs. the industry median of 2.53, C3.ai 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 2.53, based on 2,849 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. C3.ai's current Cash-to-Debt of 103.19 is 3978.7% 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 2.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. C3.ai's current Cash-to-Debt is 103.19, which is 62% below median its own 10-year median of 273.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is C3.ai stock overvalued right now?
C3.ai (XSWX:AI) has a current Cash-to-Debt of 103.19. The stock's GF Value™ is CHF13.46, compared to a current price of CHF7.11 — trading 47.2% below its estimated fair value. The current Cash-to-Debt is 103.19, which is 62% below median its 10-year median of 273.27 and 3978.7% above the Software industry median of 2.53. C3.ai's overall GF Score™ is 54/100 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 C3.ai (XSWX:AI), the current Cash-to-Debt is 103.19 as of Apr. 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 C3.ai (XSWX:AI) Overvalued in 2026?
Based on GuruFocus' analysis, C3.ai stock appears to be undervalued.
The current stock price of CHF7.11 is trading 47.2% below its estimated GF Value™ of CHF13.46.
Key valuation signals for XSWX:AI:
Cash-to-Debt: 103.19 (62% below median its 10-year median of 273.27)
GF Value™: CHF13.46 vs. price of CHF7.11 (47.2% below fair value)
Industry Position: 3978.7% above the Software median (#435 of 2849)
No single metric tells the full story. See the XSWX:AI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
C3.ai Inc is an enterprise artificial intelligence company. The company provides software-as-a-service applications that enable customers to rapidly develop, deploy, and operate large-scale Enterprise AI applications across any infrastructure. It provides solutions under three divisions namely, The C3 AI Platform, which is an end-to-end application development and runtime environment for designing, developing, and deploying AI applications: C3 AI Applications, which is a portfolio of pre-built, extensible, industry-specific, and application-specific Enterprise AI applications: and C3 Generative AI, which combines the utility of large language models. Geographically the company derives revenue from North America, Europe, the Middle East and Africa, Asia Pacific, and the Rest of the World.
54GF Score
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