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SnowflakeXSWX:SNOW -3.74%53 Cash-to-Debt is 0.85 as of Jul. 2026, which is 93% below its 10-year median of 12.68. GuruFocus rates XSWX:SNOW with a GF Score™ of 53/100 and a GF Value™ of CHF233.07 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 2,840 Software companies, Snowflake ranks worse than 67.25% 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. Snowflake's cash to debt ratio for the quarter that ended in Jul. 2026 was 0.85.
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, Snowflakecouldn't pay off its debt using the cash in hand for the quarter that ended in Jul. 2026.
The historical rank and industry rank for Snowflake's Cash-to-Debt or its related term are showing as below:
XSWX:SNOW'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.85 Med: 12.68 Max: 36.54
Current: 0.85
During the past 8 years, Snowflake's highest Cash to Debt Ratio was 36.54. The lowest was 0.85. And the median was 12.68.
XSWX:SNOW's Cash-to-Debt is ranked worse than 67.25% of 2840
companies
in the Software industry
Industry Median: 2.48
vs XSWX:SNOW: 0.85
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.
Snowflake Cash-to-Debt Related Terms
Snowflake Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Snowflake'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:SNOW vs ADP, ADBE, INTU: Cash-to-Debt Comparison
For the Software - Application subindustry, Snowflake'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.
Snowflake Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Snowflake's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Snowflake'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.
Snowflake (XSWX:SNOW) has a Cash-to-Debt of 0.85 as of Jul. 2026. This is 93% below median its historical median of 12.68. Over the past decade, Snowflake's Cash-to-Debt has ranged from 0.85 to 36.54. According to the industry distribution chart, Snowflake ranks #1910 out of 2840 companies in the Software industry, placing it in the top 67.3%.
Is Snowflake's Cash-to-Debt too high?
Snowflake's current Cash-to-Debt of 0.85 is 93% below median its 10-year median of 12.68. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 36.54. The Software industry median Cash-to-Debt is 2.48. Snowflake's value of 0.85 is 65.7% below this industry median. Based on the distribution chart, Snowflake ranks #1910 out of 2840 companies in the Software industry, which is below the industry midpoint. Overall, Snowflake has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Snowflake's Cash-to-Debt compare to ADP and ADBE?
According to the Software industry distribution chart, Snowflake ranks #1910 out of 2840 companies for Cash-to-Debt. This places Snowflake in the lower half of its industry. The industry median Cash-to-Debt is 2.48. Snowflake's value of 0.85 is 65.7% below this benchmark. Historically, Snowflake's own Cash-to-Debt has ranged from 0.85 to 36.54 over the past decade. While the company's 10-year median is 12.68 vs. the industry median of 2.48, Snowflake 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 2.48, based on 2,840 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. Snowflake's current Cash-to-Debt of 0.85 is 65.7% 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 2.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Snowflake's current Cash-to-Debt is 0.85, which is 93% below median its own 10-year median of 12.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Snowflake stock overvalued right now?
Based on GuruFocus' analysis, Snowflake (XSWX:SNOW) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF233.07, compared to a current price of CHF283.10 — trading 21.5% above its estimated fair value. The current Cash-to-Debt is 0.85, which is 93% below median its 10-year median of 12.68 and 65.7% below the Software industry median of 2.48. Snowflake's overall GF Score™ is 53/100 with 5 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 Snowflake (XSWX:SNOW), the current Cash-to-Debt is 0.85 as of Jul. 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 Snowflake (XSWX:SNOW) Overvalued in 2026?
Based on GuruFocus' analysis, Snowflake stock appears to be overvalued.
The current stock price of CHF283.10 is trading 21.5% above its estimated GF Value™ of CHF233.07.
GuruFocus considers Snowflake to be Modestly Overvalued.
Key valuation signals for XSWX:SNOW:
Cash-to-Debt: 0.85 (93% below median its 10-year median of 12.68)
GF Value™: CHF233.07 vs. price of CHF283.10 (21.5% above fair value)
Industry Position: 65.7% below the Software median (#1910 of 2840)
No single metric tells the full story. See the XSWX:SNOW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 2012, Snowflake is a fully managed platform that consolidates data hosted on different public clouds for centralized analytics and governance. Snowflake's cloud-native architecture allows users to independently scale the compute and storage layers, providing customers with optimized performance at lower costs. The company's data lake and data warehouse products support a variety of use cases, including business analytics, data engineering, and artificial intelligence. Snowflake is widely used by Fortune 2000 companies in financial services, media, and retail sectors.
53GF Score
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