Loyal Solutions ASOSTO:LOYAL +3.07%52 Days Payable is 118.28 as of Dec. 2025, which is 1% above its 10-year median of 116.71. GuruFocus rates OSTO:LOYAL with a GF Score™ of 52/100 and a GF Value™ of kr11.00 (Possible Value Trap). The stock has 9 warning signs investors should review. Among 2,602 Software companies, Loyal Solutions AS ranks better than 76.9% on this metric.
The historical rank and industry rank for Loyal Solutions AS's Days Payable or its related term are showing as below:
OSTO:LOYAL'
s Days Payable Range Over the Past 10 Years
Min: 79.51 Med: 116.71 Max: 148.6
Current: 139.6
During the past 8 years, Loyal Solutions AS's highest Days Payable was 148.60. The lowest was 79.51. And the median was 116.71.
OSTO:LOYAL's Days Payable is ranked better than 76.9% of 2602
companies
in the Software industry
Industry Median: 53.825
vs OSTO:LOYAL: 139.60
Loyal Solutions AS's Days Payable
declined
from Dec. 2024 (167.38) to Dec. 2025 (118.28).
It may suggest that Loyal Solutions ASaccelerated paying its suppliers.
Loyal Solutions AS Days Payable Related Terms
Loyal Solutions AS Days Payable Historical Data
* Premium members only.
The historical data trend for Loyal Solutions AS'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.
OSTO:LOYAL vs UBER, SHOP, CRM: Days Payable Comparison
For the Software - Application subindustry, Loyal Solutions AS'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.
Loyal Solutions AS Days Payable vs Software Industry
For the Software industry and Technology sector, Loyal Solutions AS's Days Payable distribution charts can be found below:
* The bar in red indicates where Loyal Solutions AS'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.
Loyal Solutions AS'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.
Loyal Solutions AS (OSTO:LOYAL) has a Days Payable of 118.28 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 Loyal Solutions AS and its competitors. This is near median its historical median of 116.71. Over the past decade, Loyal Solutions AS's Days Payable has ranged from 79.51 to 148.60. According to the industry distribution chart, Loyal Solutions AS ranks #601 out of 2602 companies in the Software industry, placing it in the top 23.1%.
Is Loyal Solutions AS's Days Payable too high?
Loyal Solutions AS's current Days Payable of 118.28 is near median its 10-year median of 116.71. Over the past 10 years, this metric has ranged from a low of 79.51 to a high of 148.60. The Software industry median Days Payable is 53.83. Loyal Solutions AS's value of 118.28 is 119.7% above this industry median. Based on the distribution chart, Loyal Solutions AS ranks #601 out of 2602 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Loyal Solutions AS has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Loyal Solutions AS's Days Payable compare to UBER and SHOP?
According to the Software industry distribution chart, Loyal Solutions AS ranks #601 out of 2602 companies for Days Payable. This places Loyal Solutions AS in the top 23% of its industry — outperforming the majority of peers. The industry median Days Payable is 53.83. Loyal Solutions AS's value of 118.28 is 119.7% above this benchmark. Historically, Loyal Solutions AS's own Days Payable has ranged from 79.51 to 148.60 over the past decade. While the company's 10-year median is 116.71 vs. the industry median of 53.83, Loyal Solutions AS 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 53.83, 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. Loyal Solutions AS's current Days Payable of 118.28 is 119.7% 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 Loyal Solutions AS and its competitors. For the Software industry, the median Days Payable is 53.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loyal Solutions AS's current Days Payable is 118.28, which is near median its own 10-year median of 116.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loyal Solutions AS stock overvalued right now?
Based on GuruFocus' analysis, Loyal Solutions AS (OSTO:LOYAL) is currently considered Possible Value Trap. The stock's GF Value™ is kr11.00, compared to a current price of kr6.72 — trading 38.9% below its estimated fair value. The current Days Payable is 118.28, which is near median its 10-year median of 116.71 and 119.7% above the Software industry median of 53.83. Loyal Solutions AS's overall GF Score™ is 52/100 with 9 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 Loyal Solutions AS (OSTO:LOYAL), the current Days Payable is 118.28 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 Loyal Solutions AS (OSTO:LOYAL) Overvalued in 2026?
Based on GuruFocus' analysis, Loyal Solutions AS stock appears to be undervalued.
The current stock price of kr6.72 is trading 38.9% below its estimated GF Value™ of kr11.00.
GuruFocus considers Loyal Solutions AS to be Possible Value Trap.
Key valuation signals for OSTO:LOYAL:
Days Payable: 118.28 (near median its 10-year median of 116.71)
GF Value™: kr11.00 vs. price of kr6.72 (38.9% below fair value)
Industry Position: 119.7% above the Software median (#601 of 2602)
No single metric tells the full story. See the OSTO:LOYAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loyal Solutions A/S is a software-as-a-service company. The company is engaged in the development and implementation of bespoke loyalty schemes that enhance customer retention and brand engagement. Their core business revolves around creating loyalty solution platforms that provide customer engagement programs across industries such as airlines, financial services, malls, hospitality, telecom, and media. LoyalTfacts is its proprietary SaaS end-to-end platform.
52GF Score
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