Chapters Group AGHAM:CHG +7.53%58 Days Payable is 20.42 as of Dec. 2025, which is 2% below its 10-year median of 20.74. GuruFocus rates HAM:CHG with a GF Score™ of 58/100 and a GF Value™ of €48.04 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 2,602 Software companies, Chapters Group AG ranks worse than 79.36% on this metric.
The historical rank and industry rank for Chapters Group AG's Days Payable or its related term are showing as below:
HAM:CHG'
s Days Payable Range Over the Past 10 Years
Min: 5.6 Med: 20.74 Max: 131.94
Current: 21.16
During the past 13 years, Chapters Group AG's highest Days Payable was 131.94. The lowest was 5.60. And the median was 20.74.
HAM:CHG's Days Payable is ranked worse than 79.36% of 2602
companies
in the Software industry
Industry Median: 53.955
vs HAM:CHG: 21.16
Chapters Group AG's Days Payable
declined
from Dec. 2024 (20.88) to Dec. 2025 (20.42).
It may suggest that Chapters Group AGaccelerated paying its suppliers.
Chapters Group AG Days Payable Related Terms
Chapters Group AG Days Payable Historical Data
* Premium members only.
The historical data trend for Chapters Group AG'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.
HAM:CHG vs IBM, ACN, FISV: Days Payable Comparison
For the Information Technology Services subindustry, Chapters Group 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.
Chapters Group AG Days Payable vs Software Industry
For the Software industry and Technology sector, Chapters Group AG's Days Payable distribution charts can be found below:
* The bar in red indicates where Chapters Group 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.
Chapters Group 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.
Chapters Group AG (HAM:CHG) has a Days Payable of 20.42 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 Chapters Group AG and its competitors. This is near median its historical median of 20.74. Over the past decade, Chapters Group AG's Days Payable has ranged from 5.60 to 131.94. According to the industry distribution chart, Chapters Group AG ranks #2065 out of 2602 companies in the Software industry, placing it in the top 79.4%.
Is Chapters Group AG's Days Payable too high?
Chapters Group AG's current Days Payable of 20.42 is near median its 10-year median of 20.74. Over the past 10 years, this metric has ranged from a low of 5.60 to a high of 131.94. The Software industry median Days Payable is 53.96. Chapters Group AG's value of 20.42 is 62.2% below this industry median. Based on the distribution chart, Chapters Group AG ranks #2065 out of 2602 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Chapters Group AG has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Chapters Group AG's Days Payable compare to IBM and ACN?
According to the Software industry distribution chart, Chapters Group AG ranks #2065 out of 2602 companies for Days Payable. This places Chapters Group AG in the lower half of its industry. The industry median Days Payable is 53.96. Chapters Group AG's value of 20.42 is 62.2% below this benchmark. Historically, Chapters Group AG's own Days Payable has ranged from 5.60 to 131.94 over the past decade. While the company's 10-year median is 20.74 vs. the industry median of 53.96, Chapters Group 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 53.96, based on 2,602 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. Chapters Group AG's current Days Payable of 20.42 is 62.2% 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 Chapters Group AG and its competitors. For the Software industry, the median Days Payable is 53.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chapters Group AG's current Days Payable is 20.42, which is near median its own 10-year median of 20.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chapters Group AG stock overvalued right now?
Based on GuruFocus' analysis, Chapters Group AG (HAM:CHG) is currently considered Possible Value Trap. The stock's GF Value™ is €48.04, compared to a current price of €33.55 — trading 30.2% below its estimated fair value. The current Days Payable is 20.42, which is near median its 10-year median of 20.74 and 62.2% below the Software industry median of 53.96. Chapters Group AG's overall GF Score™ is 58/100 with 4 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 Chapters Group AG (HAM:CHG), the current Days Payable is 20.42 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 Chapters Group AG (HAM:CHG) Overvalued in 2026?
Based on GuruFocus' analysis, Chapters Group AG stock appears to be undervalued.
The current stock price of €33.55 is trading 30.2% below its estimated GF Value™ of €48.04.
GuruFocus considers Chapters Group AG to be Possible Value Trap.
Key valuation signals for HAM:CHG:
Days Payable: 20.42 (near median its 10-year median of 20.74)
GF Value™: €48.04 vs. price of €33.55 (30.2% below fair value)
Industry Position: 62.2% below the Software median (#2065 of 2602)
No single metric tells the full story. See the HAM:CHG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chapters Group AG is a holding company that invests in attractive small- and mid-sized enterprises and pursues a long-term entrepreneurial investment approach. The Group is focused on providing mission-critical digital solutions through a portfolio of operating companies and operates through three segments: Public Sector, Enterprise, and Financial Technologies. The Public Sector segment, which generates the maximum revenue, provides software solutions for municipalities, public administration, social services, education, transportation, utilities, cybersecurity, homeland security, telecommunications, and non-profit institutions.
58GF Score
Get the complete analysis for HAM:CHG
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HAM:CHG has been successfully added to your 
