Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Paycloud HoldingsTSE:4015 +0.19%73 Current Ratio is 1.84 as of Feb. 2026, which is 23% above its 10-year median of 1.50. GuruFocus rates TSE:4015 with a GF Score™ of 73/100 and a GF Value™ of 円800.23 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 2,878 Software companies, Paycloud Holdings ranks better than 51.04% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Paycloud Holdings's current ratio for the quarter that ended in Feb. 2026 was 1.84.
Paycloud Holdings has a current ratio of 1.84. It generally indicates good short-term financial strength.
The historical rank and industry rank for Paycloud Holdings's Current Ratio or its related term are showing as below:
TSE:4015'
s Current Ratio Range Over the Past 10 Years
Min: 0.73 Med: 1.5 Max: 3.57
Current: 1.84
During the past 8 years, Paycloud Holdings's highest Current Ratio was 3.57. The lowest was 0.73. And the median was 1.50.
TSE:4015's Current Ratio is ranked better than 51.04% of 2878
companies
in the Software industry
Industry Median: 1.8
vs TSE:4015: 1.84
Paycloud Holdings (TSE:4015) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Paycloud Holdings Current Ratio Related Terms
Paycloud Holdings Current Ratio Historical Data
* Premium members only.
The historical data trend for Paycloud Holdings's Current Ratio 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.
TSE:4015 vs QH, SHOP, UBER: Current Ratio Comparison
For the Software - Application subindustry, Paycloud Holdings's Current Ratio, along with its competitors' market caps and Current Ratio 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.
Paycloud Holdings Current Ratio vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Current Ratio distribution charts can be found below:
* The bar in red indicates where Paycloud Holdings's Current Ratio 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.
Paycloud Holdings (TSE:4015) has a Current Ratio of 1.84 as of Feb. 2026. This is 23% above median its historical median of 1.50. Over the past decade, Paycloud Holdings' Current Ratio has ranged from 0.73 to 3.57. According to the industry distribution chart, Paycloud Holdings ranks #1409 out of 2878 companies in the Software industry, placing it in the top 49%.
Is Paycloud Holdings' Current Ratio too high?
Paycloud Holdings' current Current Ratio of 1.84 is 23% above median its 10-year median of 1.50. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 3.57. The Software industry median Current Ratio is 1.80. Paycloud Holdings' value of 1.84 is 2.2% above this industry median. Based on the distribution chart, Paycloud Holdings ranks #1409 out of 2878 companies in the Software industry, which is above the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Current Ratio compare to QH and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #1409 out of 2878 companies for Current Ratio. This puts Paycloud Holdings in the upper half of its industry. The industry median Current Ratio is 1.80. Paycloud Holdings' value of 1.84 is 2.2% above this benchmark. Historically, Paycloud Holdings' own Current Ratio has ranged from 0.73 to 3.57 over the past decade. While the company's 10-year median is 1.50 vs. the industry median of 1.80, Paycloud Holdings 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 Current Ratio for a Software company?
The median Current Ratio among Software companies is 1.80, based on 2,878 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paycloud Holdings's current Current Ratio of 1.84 is 2.2% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Current Ratio is 1.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paycloud Holdings's current Current Ratio is 1.84, which is 23% above median its own 10-year median of 1.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円800.23, compared to a current price of 円541.00 — trading 32.4% below its estimated fair value. The current Current Ratio is 1.84, which is 23% above median its 10-year median of 1.50 and 2.2% above the Software industry median of 1.80. Paycloud Holdings' overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Paycloud Holdings (TSE:4015), the current Current Ratio is 1.84 as of Feb. 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円541.00 is trading 32.4% below its estimated GF Value™ of 円800.23.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Current Ratio: 1.84 (23% above median its 10-year median of 1.50)
GF Value™: 円800.23 vs. price of 円541.00 (32.4% below fair value)
Industry Position: 2.2% above the Software median (#1409 of 2878)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSE:4015 has been successfully added to your 
