PCI-PALLSE:PCIP -1.11%47 Days Payable is 264.65 as of Dec. 2025, which is 66% above its 10-year median of 159.04. GuruFocus rates LSE:PCIP with a GF Score™ of 47/100 and a GF Value™ of £0.71 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 2,604 Software companies, PCI-PAL ranks better than 89.13% on this metric.
PCI-PAL's average Accounts Payable for the
six
months ended in Dec. 2025 was £2.11 Mil. PCI-PAL's Cost of Goods Sold for the
six
months ended in Dec. 2025 was £1.45 Mil.
Hence, PCI-PAL's Days Payable for the
six
months ended in Dec. 2025 was 264.65.
The historical rank and industry rank for PCI-PAL's Days Payable or its related term are showing as below:
LSE:PCIP'
s Days Payable Range Over the Past 10 Years
Min: 124.57 Med: 159.04 Max: 1328.23
Current: 320.63
During the past 13 years, PCI-PAL's highest Days Payable was 1328.23. The lowest was 124.57. And the median was 159.04.
LSE:PCIP's Days Payable is ranked better than 89.13% of 2604
companies
in the Software industry
Industry Median: 53.955
vs LSE:PCIP: 320.63
PCI-PAL's Days Payable
declined
from Dec. 2024 (304.63) to Dec. 2025 (264.65).
It may suggest that PCI-PALaccelerated paying its suppliers.
PCI-PAL Days Payable Related Terms
PCI-PAL Days Payable Historical Data
* Premium members only.
The historical data trend for PCI-PAL'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:PCIP vs MSFT, ORCL, PLTR: Days Payable Comparison
For the Software - Infrastructure subindustry, PCI-PAL'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.
PCI-PAL Days Payable vs Software Industry
For the Software industry and Technology sector, PCI-PAL's Days Payable distribution charts can be found below:
* The bar in red indicates where PCI-PAL'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.
PCI-PAL's Days Payable for the fiscal year that ended in Jun. 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.
PCI-PAL (LSE:PCIP) has a Days Payable of 264.65 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 PCI-PAL and its competitors. This is 66% above median its historical median of 159.04. Over the past decade, PCI-PAL's Days Payable has ranged from 124.57 to 1,328.23. According to the industry distribution chart, PCI-PAL ranks #283 out of 2604 companies in the Software industry, placing it in the top 10.9%.
Is PCI-PAL's Days Payable too high?
PCI-PAL's current Days Payable of 264.65 is 66% above median its 10-year median of 159.04. Over the past 10 years, this metric has ranged from a low of 124.57 to a high of 1,328.23. The Software industry median Days Payable is 53.96. PCI-PAL's value of 264.65 is 390.5% above this industry median. Based on the distribution chart, PCI-PAL ranks #283 out of 2604 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PCI-PAL has a GF Score™ of 47/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PCI-PAL's Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, PCI-PAL ranks #283 out of 2604 companies for Days Payable. This places PCI-PAL in the top 11% of its industry — outperforming the majority of peers. The industry median Days Payable is 53.96. PCI-PAL's value of 264.65 is 390.5% above this benchmark. Historically, PCI-PAL's own Days Payable has ranged from 124.57 to 1,328.23 over the past decade. While the company's 10-year median is 159.04 vs. the industry median of 53.96, PCI-PAL has consistently been above 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 2,604 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. PCI-PAL's current Days Payable of 264.65 is 390.5% above 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 PCI-PAL 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. PCI-PAL's current Days Payable is 264.65, which is 66% above median its own 10-year median of 159.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PCI-PAL stock overvalued right now?
Based on GuruFocus' analysis, PCI-PAL (LSE:PCIP) is currently considered Possible Value Trap. The stock's GF Value™ is £0.71, compared to a current price of £0.45 — trading 37.3% below its estimated fair value. The current Days Payable is 264.65, which is 66% above median its 10-year median of 159.04 and 390.5% above the Software industry median of 53.96. PCI-PAL's overall GF Score™ is 47/100 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 PCI-PAL (LSE:PCIP), the current Days Payable is 264.65 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 PCI-PAL (LSE:PCIP) Overvalued in 2026?
Based on GuruFocus' analysis, PCI-PAL stock appears to be undervalued.
The current stock price of £0.45 is trading 37.3% below its estimated GF Value™ of £0.71.
GuruFocus considers PCI-PAL to be Possible Value Trap.
Key valuation signals for LSE:PCIP:
Days Payable: 264.65 (66% above median its 10-year median of 159.04)
GF Value™: £0.71 vs. price of £0.45 (37.3% below fair value)
Industry Position: 390.5% above the Software median (#283 of 2604)
No single metric tells the full story. See the LSE:PCIP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PCI-PAL PLC is a holding company engaged in the peripheral component interconnect (PCI) and telephony services business. It operates as a specialist provider of secure payments solutions, including a cloud-based, Payment Card Industry Data Security Standard compliant suite. Its business activities include accepting contracts across a range of market sectors including retail, services, leisure, public, and charity sector. It operates the business across the United Kingdom serving the other markets. It operates one business sector: the service of providing data secure payment card authorizations for call centre operations and this is delivered on a regional basis. The company operates in EMEA, North America and ANZ region, out of which it generates maximum revenue from EMEA.
47GF Score
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