UniversalHAM:UVV -1.53%72 Days Payable is 12.70 as of Mar. 2026, which is 58% below its 10-year median of 30.42. GuruFocus rates HAM:UVV with a GF Score™ of 72/100 and a GF Value™ of €46.94 (Fairly Valued). The stock has 8 warning signs investors should review. Among 47 Tobacco Products companies, Universal ranks worse than 93.62% on this metric.
Universal's average Accounts Payable for the
three
months ended in Mar. 2026 was €74 Mil. Universal's Cost of Goods Sold for the
three
months ended in Mar. 2026 was €534 Mil.
Hence, Universal's Days Payable for the
three
months ended in Mar. 2026 was 12.70.
The historical rank and industry rank for Universal's Days Payable or its related term are showing as below:
HAM:UVV'
s Days Payable Range Over the Past 10 Years
Min: 14.24 Med: 30.42 Max: 34.84
Current: 14.83
During the past 13 years, Universal's highest Days Payable was 34.84. The lowest was 14.24. And the median was 30.42.
HAM:UVV's Days Payable is ranked worse than 93.62% of 47
companies
in the Tobacco Products industry
Industry Median: 54
vs HAM:UVV: 14.83
Universal's Days Payable
declined
from Mar. 2025 (13.92) to Mar. 2026 (12.70).
It may suggest that Universalaccelerated paying its suppliers.
Universal Days Payable Related Terms
Universal Days Payable Historical Data
* Premium members only.
The historical data trend for Universal'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:UVV vs AIIR, TPB, ISPR: Days Payable Comparison
For the Tobacco subindustry, Universal'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.
Universal Days Payable vs Tobacco Products Industry
For the Tobacco Products industry and Consumer Defensive sector, Universal's Days Payable distribution charts can be found below:
* The bar in red indicates where Universal'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.
Universal's Days Payable for the fiscal year that ended in Mar. 2026 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.
Universal (HAM:UVV) has a Days Payable of 12.70 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 Universal and its competitors. This is 58% below median its historical median of 30.42. Over the past decade, Universal's Days Payable has ranged from 14.24 to 34.84. According to the industry distribution chart, Universal ranks #44 out of 47 companies in the Tobacco Products industry, placing it in the top 93.6%.
Is Universal's Days Payable too high?
Universal's current Days Payable of 12.70 is 58% below median its 10-year median of 30.42. Over the past 10 years, this metric has ranged from a low of 14.24 to a high of 34.84. The Tobacco Products industry median Days Payable is 54.00. Universal's value of 12.70 is 76.5% below this industry median. Based on the distribution chart, Universal ranks #44 out of 47 companies in the Tobacco Products industry, which is in the bottom quartile relative to peers. Overall, Universal has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Universal's Days Payable compare to AIIR and TPB?
According to the Tobacco Products industry distribution chart, Universal ranks #44 out of 47 companies for Days Payable. This places Universal in the lower half of its industry. The industry median Days Payable is 54.00. Universal's value of 12.70 is 76.5% below this benchmark. Historically, Universal's own Days Payable has ranged from 14.24 to 34.84 over the past decade. While the company's 10-year median is 30.42 vs. the industry median of 54.00, Universal 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 Tobacco Products company?
The median Days Payable among Tobacco Products companies is 54.00, based on 47 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. Universal's current Days Payable of 12.70 is 76.5% 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 Universal and its competitors. For the Tobacco Products industry, the median Days Payable is 54.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Universal's current Days Payable is 12.70, which is 58% below median its own 10-year median of 30.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal stock overvalued right now?
Based on GuruFocus' analysis, Universal (HAM:UVV) is currently considered Fairly Valued. The stock's GF Value™ is €46.94, compared to a current price of €44.96 — trading 4.2% below its estimated fair value. The current Days Payable is 12.70, which is 58% below median its 10-year median of 30.42 and 76.5% below the Tobacco Products industry median of 54.00. Universal's overall GF Score™ is 72/100 with 8 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 Universal (HAM:UVV), the current Days Payable is 12.70 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 Universal (HAM:UVV) Overvalued in 2026?
Based on GuruFocus' analysis, Universal stock appears to be undervalued.
The current stock price of €44.96 is trading 4.2% below its estimated GF Value™ of €46.94.
GuruFocus considers Universal to be Fairly Valued.
Key valuation signals for HAM:UVV:
Days Payable: 12.70 (58% below median its 10-year median of 30.42)
GF Value™: €46.94 vs. price of €44.96 (4.2% below fair value)
Industry Position: 76.5% below the Tobacco Products median (#44 of 47)
No single metric tells the full story. See the HAM:UVV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Universal Corp is an international leaf tobacco supplier. The company procures leaf tobacco from farmers, processes it, and sells it to companies that manufacture consumer tobacco products. Universal does not manufacture or sell any consumer products itself. The company's segments include Tobacco Operations and Ingredients Operations. It generates maximum revenue from the Tobacco Operations segment. Geographically, it derives a majority of revenue from the United States. The company operates in the USA, Belgium, China, Egypt, Philippines, Germany, and Other Countries with majority of revenue from USA.
72GF Score
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