Austriacard Holdings AGATH:ACAG 88 Days Payable is 43.05 as of Dec. 2025, which is 24% below its 10-year median of 56.69. GuruFocus rates ATH:ACAG with a GF Score™ of 88/100 and a GF Value™ of €6.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,600 Software companies, Austriacard Holdings AG ranks worse than 54.27% on this metric.
* 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.
ATH:ACAG vs IBM, ACN, FISV: Days Payable Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG's Days Payable, along with its competitors' market caps and Days Payable 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.
Austriacard Holdings AG Days Payable vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's Days Payable distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Austriacard Holdings AG's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Austriacard Holdings AG (ATH:ACAG) has a Days Payable of 43.05 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Austriacard Holdings AG and its competitors. This is 24% below median its historical median of 56.69. Over the past decade, Austriacard Holdings AG's Days Payable has ranged from 47.67 to 72.85. According to the industry distribution chart, Austriacard Holdings AG ranks #1411 out of 2600 companies in the Software industry, placing it in the top 54.3%.
Is Austriacard Holdings AG's Days Payable too high?
Austriacard Holdings AG's current Days Payable of 43.05 is 24% below median its 10-year median of 56.69. Over the past 10 years, this metric has ranged from a low of 47.67 to a high of 72.85. The Software industry median Days Payable is 53.68. Austriacard Holdings AG's value of 43.05 is 19.8% below this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #1411 out of 2600 companies in the Software industry, which is below the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's Days Payable compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #1411 out of 2600 companies for Days Payable. This places Austriacard Holdings AG in the lower half of its industry. The industry median Days Payable is 53.68. Austriacard Holdings AG's value of 43.05 is 19.8% below this benchmark. Historically, Austriacard Holdings AG's own Days Payable has ranged from 47.67 to 72.85 over the past decade. While the company's 10-year median is 56.69 vs. the industry median of 53.68, Austriacard Holdings AG 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 Days Payable for a Software company?
The median Days Payable among Software companies is 53.68, based on 2,600 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Austriacard Holdings AG's current Days Payable of 43.05 is 19.8% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Austriacard Holdings AG and its competitors. For the Software industry, the median Days Payable is 53.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current Days Payable is 43.05, which is 24% below median its own 10-year median of 56.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.05, compared to a current price of €9.74 — trading 61% above its estimated fair value. The current Days Payable is 43.05, which is 24% below median its 10-year median of 56.69 and 19.8% below the Software industry median of 53.68. Austriacard Holdings AG's overall GF Score™ is 88/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Austriacard Holdings AG (ATH:ACAG), the current Days Payable is 43.05 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.74 is trading 61% above its estimated GF Value™ of €6.05.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
Days Payable: 43.05 (24% below median its 10-year median of 56.69)
GF Value™: €6.05 vs. price of €9.74 (61% above fair value)
Industry Position: 19.8% below the Software median (#1411 of 2600)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
88GF Score
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