FinsetaLSE:FIN +4.17%43 Days Payable is 35.93 as of Dec. 2025, which is 29% below its 10-year median of 50.30. GuruFocus rates LSE:FIN with a GF Score™ of 43/100 and a GF Value™ of £0.40 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 2,600 Software companies, Finseta ranks worse than 66.04% on this metric.
Finseta's average Accounts Payable for the
six
months ended in Dec. 2025 was £0.50 Mil. Finseta's Cost of Goods Sold for the
six
months ended in Dec. 2025 was £2.54 Mil.
Hence, Finseta's Days Payable for the
six
months ended in Dec. 2025 was 35.93.
The historical rank and industry rank for Finseta's Days Payable or its related term are showing as below:
LSE:FIN'
s Days Payable Range Over the Past 10 Years
Min: 25.4 Med: 50.3 Max: 142.69
Current: 33.33
During the past 7 years, Finseta's highest Days Payable was 142.69. The lowest was 25.40. And the median was 50.30.
LSE:FIN's Days Payable is ranked worse than 66.04% of 2600
companies
in the Software industry
Industry Median: 54.025
vs LSE:FIN: 33.33
Finseta's Days Payable
increased
from Dec. 2024 (29.80) to Dec. 2025 (35.93).
It may suggest that Finsetadelayed paying its suppliers.
Finseta Days Payable Related Terms
Finseta Days Payable Historical Data
* Premium members only.
The historical data trend for Finseta'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.
LSE:FIN vs MSFT, ORCL, PLTR: Days Payable Comparison
For the Software - Infrastructure subindustry, Finseta'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.
Finseta Days Payable vs Software Industry
For the Software industry and Technology sector, Finseta's Days Payable distribution charts can be found below:
* The bar in red indicates where Finseta'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.
Finseta'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.
Finseta (LSE:FIN) has a Days Payable of 35.93 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 Finseta and its competitors. This is 29% below median its historical median of 50.30. Over the past decade, Finseta's Days Payable has ranged from 25.40 to 142.69. According to the industry distribution chart, Finseta ranks #1717 out of 2600 companies in the Software industry, placing it in the top 66%.
Is Finseta's Days Payable too high?
Finseta's current Days Payable of 35.93 is 29% below median its 10-year median of 50.30. Over the past 10 years, this metric has ranged from a low of 25.40 to a high of 142.69. The Software industry median Days Payable is 54.03. Finseta's value of 35.93 is 33.5% below this industry median. Based on the distribution chart, Finseta ranks #1717 out of 2600 companies in the Software industry, which is below the industry midpoint. Overall, Finseta has a GF Score™ of 43/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Finseta's Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, Finseta ranks #1717 out of 2600 companies for Days Payable. This places Finseta in the lower half of its industry. The industry median Days Payable is 54.03. Finseta's value of 35.93 is 33.5% below this benchmark. Historically, Finseta's own Days Payable has ranged from 25.40 to 142.69 over the past decade. While the company's 10-year median is 50.30 vs. the industry median of 54.03, Finseta 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 54.03, 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. Finseta's current Days Payable of 35.93 is 33.5% 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 Finseta and its competitors. For the Software industry, the median Days Payable is 54.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finseta's current Days Payable is 35.93, which is 29% below median its own 10-year median of 50.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finseta stock overvalued right now?
Based on GuruFocus' analysis, Finseta (LSE:FIN) is currently considered Possible Value Trap. The stock's GF Value™ is £0.40, compared to a current price of £0.13 — trading 68.8% below its estimated fair value. The current Days Payable is 35.93, which is 29% below median its 10-year median of 50.30 and 33.5% below the Software industry median of 54.03. Finseta's overall GF Score™ is 43/100 with 2 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 Finseta (LSE:FIN), the current Days Payable is 35.93 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 Finseta (LSE:FIN) Overvalued in 2026?
Based on GuruFocus' analysis, Finseta stock appears to be undervalued.
The current stock price of £0.13 is trading 68.8% below its estimated GF Value™ of £0.40.
GuruFocus considers Finseta to be Possible Value Trap.
Key valuation signals for LSE:FIN:
Days Payable: 35.93 (29% below median its 10-year median of 50.30)
GF Value™: £0.40 vs. price of £0.13 (68.8% below fair value)
Industry Position: 33.5% below the Software median (#1717 of 2600)
No single metric tells the full story. See the LSE:FIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finseta PLC is a foreign exchange and payments company offering multi-currency accounts and payment solutions to businesses and individuals. The Group provides international payment, currency management, and electronic account services across several countries in various currencies using its proprietary cloud-based multi-currency payments platform. Additionally, it offers the Finseta Corporate Card, enabling real-time spend tracking, multi-user access, and international transactions. Geographically, the majority of the company's revenue is generated from the United Kingdom, followed by the Rest of the world.
43GF Score
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