Xero (ASX:XRO) Short-Term Debt: A$1,050 Mil (As of Mar. 2026)


ASX:XRO Xero Ltd ASX:XRO
81 GF Score
Price A$73.56
GF Value A$196.50
Valuation Possible Value Trap
! 7 Warning Signs
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What is Xero Short-Term Debt?

Xero ASX:XRO +1.81% 81 Short-Term Debt is A$1,050 Mil as of Mar. 2026. GuruFocus rates ASX:XRO with a GF Score™ of 81/100 and a GF Value™ of A$196.50 (Possible Value Trap). The stock has 7 warning signs investors should review.

Xero's Short-Term Debt for the quarter that ended in Mar. 2026 was A$1,050 Mil.

Xero's quarterly Short-Term Debt declined from Mar. 2025 (A$1,116 Mil) to Sep. 2025 (A$1,107 Mil) and declined from Sep. 2025 (A$1,107 Mil) to Mar. 2026 (A$1,050 Mil).

Xero's annual Short-Term Debt increased from Mar. 2024 (A$0 Mil) to Mar. 2025 (A$1,116 Mil) but then declined from Mar. 2025 (A$1,116 Mil) to Mar. 2026 (A$1,050 Mil).

Xero Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Xero Short-Term Debt Related Terms

Xero Short-Term Debt Historical Data

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The historical data trend for Xero's Short-Term 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.

Xero Short-Term Debt Chart

Xero Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 1,116.48 1,049.87

Xero Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 1,007.95 1,116.48 1,107.39 1,049.87
ASX:XRO
81GF Score
Xero Ltd ASX:XRO
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of A$1,050 Mil mean?
Xero (ASX:XRO) has a Short-Term Debt of A$1,050 Mil as of Mar. 2026.
Is Xero's Short-Term Debt too high?
Xero's current Short-Term Debt is A$1,050 Mil. Overall, Xero has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Xero's Short-Term Debt compare to UBER and SHOP?
Xero's Short-Term Debt of A$1,050 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Software company?
A good Short-Term Debt depends on the Software industry context. However, Short-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Xero's current Short-Term Debt is A$1,050 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Xero stock overvalued right now?
Based on GuruFocus' analysis, Xero (ASX:XRO) is currently considered Possible Value Trap. The stock's GF Value™ is A$196.50, compared to a current price of A$73.56 — trading 62.6% below its estimated fair value. The current Short-Term Debt is A$1,050 Mil. Xero's overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Xero (ASX:XRO), the current Short-Term Debt is A$1,050 Mil 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.

Is Xero (ASX:XRO) Overvalued in 2026?

Based on GuruFocus' analysis, Xero stock appears to be undervalued. The current stock price of A$73.56 is trading 62.6% below its estimated GF Value™ of A$196.50. GuruFocus considers Xero to be Possible Value Trap.

Key valuation signals for ASX:XRO:

  • Short-Term Debt: A$1,050 Mil
  • GF Value™: A$196.50 vs. price of A$73.56 (62.6% below fair value)
  • GF Score™: 81/100 with 7 warning signs

No single metric tells the full story. See the ASX:XRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Xero Business Description

Other Exchanges XROLF:USA0XE:Germany
Address 19-23 Taranaki Street, Te Aro, Wellington, NTL, NZL, 6011
Xero is a technology company originating from New Zealand, providing cloud-based accounting software, primarily for small and midsized enterprises, or SMEs, and accounting practices. As a first mover in the space for cloud-based accounting software, Xero has grown quickly to achieve dominant market share in New Zealand and Australia, displacing legacy providers. Xero has also expanded beyond its home region toward other English-speaking countries, primarily the UK and the US.
81GF Score

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Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$73.56
Price
A$196.50
GF Value