BradsaudeBSP:SAUD3 +2.00%94 Days Payable is 10.57 as of Mar. 2026, which is 39% above its 10-year median of 7.58. GuruFocus rates BSP:SAUD3 with a GF Score™ of 94/100 and a GF Value™ of R$13.48 (Fairly Valued). The stock has 6 warning signs investors should review. Among 13 Healthcare Plans companies, Bradsaude ranks worse than 92.31% on this metric.
Bradsaude's average Accounts Payable for the
three
months ended in Mar. 2026 was R$44 Mil. Bradsaude's Cost of Goods Sold for the
three
months ended in Mar. 2026 was R$377 Mil.
Hence, Bradsaude's Days Payable for the
three
months ended in Mar. 2026 was 10.57.
The historical rank and industry rank for Bradsaude's Days Payable or its related term are showing as below:
BSP:SAUD3'
s Days Payable Range Over the Past 10 Years
Min: 5.99 Med: 7.58 Max: 12.24
Current: 9.65
During the past 13 years, Bradsaude's highest Days Payable was 12.24. The lowest was 5.99. And the median was 7.58.
BSP:SAUD3's Days Payable is ranked worse than 92.31% of 13
companies
in the Healthcare Plans industry
Industry Median: 38.89
vs BSP:SAUD3: 9.65
Bradsaude's Days Payable
increased
from Mar. 2025 (8.92) to Mar. 2026 (10.57).
It may suggest that Bradsaudedelayed paying its suppliers.
Bradsaude Days Payable Related Terms
Bradsaude Days Payable Historical Data
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The historical data trend for Bradsaude's Days Payable 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.
BSP:SAUD3 vs UNH, CVS, ELV: Days Payable Comparison
For the Healthcare Plans subindustry, Bradsaude'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.
Bradsaude Days Payable vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Bradsaude's Days Payable distribution charts can be found below:
* The bar in red indicates where Bradsaude'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.
Bradsaude'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.
Bradsaude (BSP:SAUD3) has a Days Payable of 10.57 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Bradsaude and its competitors. This is 39% above median its historical median of 7.58. Over the past decade, Bradsaude's Days Payable has ranged from 5.99 to 12.24. According to the industry distribution chart, Bradsaude ranks #12 out of 13 companies in the Healthcare Plans industry, placing it in the top 92.3%.
Is Bradsaude's Days Payable too high?
Bradsaude's current Days Payable of 10.57 is 39% above median its 10-year median of 7.58. Over the past 10 years, this metric has ranged from a low of 5.99 to a high of 12.24. The Healthcare Plans industry median Days Payable is 38.89. Bradsaude's value of 10.57 is 72.8% below this industry median. Based on the distribution chart, Bradsaude ranks #12 out of 13 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. Overall, Bradsaude has a GF Score™ of 94/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bradsaude's Days Payable compare to UNH and CVS?
According to the Healthcare Plans industry distribution chart, Bradsaude ranks #12 out of 13 companies for Days Payable. This places Bradsaude in the lower half of its industry. The industry median Days Payable is 38.89. Bradsaude's value of 10.57 is 72.8% below this benchmark. Historically, Bradsaude's own Days Payable has ranged from 5.99 to 12.24 over the past decade. While the company's 10-year median is 7.58 vs. the industry median of 38.89, Bradsaude 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 Healthcare Plans company?
The median Days Payable among Healthcare Plans companies is 38.89, based on 13 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. Bradsaude's current Days Payable of 10.57 is 72.8% 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 Bradsaude and its competitors. For the Healthcare Plans industry, the median Days Payable is 38.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bradsaude's current Days Payable is 10.57, which is 39% above median its own 10-year median of 7.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bradsaude stock overvalued right now?
Based on GuruFocus' analysis, Bradsaude (BSP:SAUD3) is currently considered Fairly Valued. The stock's GF Value™ is R$13.48, compared to a current price of R$14.28 — trading 5.9% above its estimated fair value. The current Days Payable is 10.57, which is 39% above median its 10-year median of 7.58 and 72.8% below the Healthcare Plans industry median of 38.89. Bradsaude's overall GF Score™ is 94/100 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 Bradsaude (BSP:SAUD3), the current Days Payable is 10.57 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 Bradsaude (BSP:SAUD3) Overvalued in 2026?
Based on GuruFocus' analysis, Bradsaude stock appears to be overvalued.
The current stock price of R$14.28 is trading 5.9% above its estimated GF Value™ of R$13.48.
GuruFocus considers Bradsaude to be Fairly Valued.
Key valuation signals for BSP:SAUD3:
Days Payable: 10.57 (39% above median its 10-year median of 7.58)
GF Value™: R$13.48 vs. price of R$14.28 (5.9% above fair value)
Industry Position: 72.8% below the Healthcare Plans median (#12 of 13)
No single metric tells the full story. See the BSP:SAUD3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bradsaude SA operates a healthcare ecosystem in Brazil formed through the consolidation of companies across different healthcare segments. Its operations include health and dental insurance, hospitals, primary care clinics, healthcare technology, diagnostics, and oncology services. The company serves more than 13 million beneficiaries and operates a healthcare network that includes approximately 4,000 hospital beds across the country.
94GF Score
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