Spectral AIMDAI -0.58%6 Days Payable is 102.96 as of Mar. 2026, which is 37% above its 10-year median of 75.18. GuruFocus rates MDAI with a GF Score™ of 6/100 and a GF Value™ of $0.91 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 793 Medical Devices & Instruments companies, Spectral AI ranks better than 63.93% on this metric.
The historical rank and industry rank for Spectral AI's Days Payable or its related term are showing as below:
MDAI'
s Days Payable Range Over the Past 10 Years
Min: 52.41 Med: 75.18 Max: 119.88
Current: 96.29
During the past 5 years, Spectral AI's highest Days Payable was 119.88. The lowest was 52.41. And the median was 75.18.
MDAI's Days Payable is ranked better than 63.93% of 793
companies
in the Medical Devices & Instruments industry
Industry Median: 67.83
vs MDAI: 96.29
Spectral AI's Days Payable
increased
from Mar. 2025 (92.15) to Mar. 2026 (102.96).
It may suggest that Spectral AIdelayed paying its suppliers.
Spectral AI Days Payable Related Terms
Spectral AI Days Payable Historical Data
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The historical data trend for Spectral AI'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.
For the Medical Devices subindustry, Spectral AI'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.
Spectral AI Days Payable vs Medical Devices & Instruments Industry
For the Medical Devices & Instruments industry and Healthcare sector, Spectral AI's Days Payable distribution charts can be found below:
* The bar in red indicates where Spectral AI'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.
Spectral AI'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.
Spectral AI (MDAI) has a Days Payable of 102.96 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 Spectral AI and its competitors. This is 37% above median its historical median of 75.18. Over the past decade, Spectral AI's Days Payable has ranged from 52.41 to 119.88. According to the industry distribution chart, Spectral AI ranks #286 out of 793 companies in the Medical Devices & Instruments industry, placing it in the top 36.1%.
Is Spectral AI's Days Payable too high?
Spectral AI's current Days Payable of 102.96 is 37% above median its 10-year median of 75.18. Over the past 10 years, this metric has ranged from a low of 52.41 to a high of 119.88. The Medical Devices & Instruments industry median Days Payable is 67.83. Spectral AI's value of 102.96 is 51.8% above this industry median. Based on the distribution chart, Spectral AI ranks #286 out of 793 companies in the Medical Devices & Instruments industry, which is above the industry midpoint. Overall, Spectral AI has a GF Score™ of 6/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spectral AI's Days Payable compare to LUNG and QTI?
According to the Medical Devices & Instruments industry distribution chart, Spectral AI ranks #286 out of 793 companies for Days Payable. This puts Spectral AI in the upper half of its industry. The industry median Days Payable is 67.83. Spectral AI's value of 102.96 is 51.8% above this benchmark. Historically, Spectral AI's own Days Payable has ranged from 52.41 to 119.88 over the past decade. While the company's 10-year median is 75.18 vs. the industry median of 67.83, Spectral AI 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 Medical Devices & Instruments company?
The median Days Payable among Medical Devices & Instruments companies is 67.83, based on 793 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. Spectral AI's current Days Payable of 102.96 is 51.8% 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 Spectral AI and its competitors. For the Medical Devices & Instruments industry, the median Days Payable is 67.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spectral AI's current Days Payable is 102.96, which is 37% above median its own 10-year median of 75.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spectral AI stock overvalued right now?
Based on GuruFocus' analysis, Spectral AI (MDAI) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.91, compared to a current price of $1.72 — trading 89% above its estimated fair value. The current Days Payable is 102.96, which is 37% above median its 10-year median of 75.18 and 51.8% above the Medical Devices & Instruments industry median of 67.83. Spectral AI's overall GF Score™ is 6/100 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 Spectral AI (MDAI), the current Days Payable is 102.96 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 Spectral AI (MDAI) Overvalued in 2026?
Based on GuruFocus' analysis, Spectral AI stock appears to be overvalued.
The current stock price of $1.72 is trading 89% above its estimated GF Value™ of $0.91.
GuruFocus considers Spectral AI to be Significantly Overvalued.
Key valuation signals for MDAI:
Days Payable: 102.96 (37% above median its 10-year median of 75.18)
GF Value™: $0.91 vs. price of $1.72 (89% above fair value)
Industry Position: 51.8% above the Medical Devices & Instruments median (#286 of 793)
No single metric tells the full story. See the MDAI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Spectral AI Inc is an AI company focused on predictive medical diagnostics. Its DeepView System uses proprietary AI algorithms to distinguish between fully damaged, partially damaged and healthy human tissue characters invisible to the naked eye, at the initial time point of wound presentation. The DeepView System delivers a binary prediction on the wound's capacity to heal or not-heal by a specified time point in the future. The company focuses on the burn indication which is supported by the BARDA PBS contract.
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