PagSeguro DigitalPAGS +0.11%90 Days Payable is 21.87 as of Mar. 2026, which is 11% below its 10-year median of 24.50. GuruFocus rates PAGS with a GF Score™ of 90/100 and a GF Value™ of $11.93 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 2,602 Software companies, PagSeguro Digital ranks worse than 79.75% on this metric.
The historical rank and industry rank for PagSeguro Digital's Days Payable or its related term are showing as below:
PAGS'
s Days Payable Range Over the Past 10 Years
Min: 20.77 Med: 24.5 Max: 31.77
Current: 20.77
During the past 12 years, PagSeguro Digital's highest Days Payable was 31.77. The lowest was 20.77. And the median was 24.50.
PAGS's Days Payable is ranked worse than 79.75% of 2602
companies
in the Software industry
Industry Median: 53.955
vs PAGS: 20.77
PagSeguro Digital's Days Payable
declined
from Mar. 2025 (22.92) to Mar. 2026 (21.87).
It may suggest that PagSeguro Digitalaccelerated paying its suppliers.
PagSeguro Digital Days Payable Related Terms
PagSeguro Digital Days Payable Historical Data
* Premium members only.
The historical data trend for PagSeguro Digital'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 Software - Infrastructure subindustry, PagSeguro Digital'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.
PagSeguro Digital Days Payable vs Software Industry
For the Software industry and Technology sector, PagSeguro Digital's Days Payable distribution charts can be found below:
* The bar in red indicates where PagSeguro Digital'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.
PagSeguro Digital'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.
PagSeguro Digital (PAGS) has a Days Payable of 21.87 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 PagSeguro Digital and its competitors. This is 11% below median its historical median of 24.50. Over the past decade, PagSeguro Digital's Days Payable has ranged from 20.77 to 31.77. According to the industry distribution chart, PagSeguro Digital ranks #2075 out of 2602 companies in the Software industry, placing it in the top 79.7%.
Is PagSeguro Digital's Days Payable too high?
PagSeguro Digital's current Days Payable of 21.87 is 11% below median its 10-year median of 24.50. Over the past 10 years, this metric has ranged from a low of 20.77 to a high of 31.77. The Software industry median Days Payable is 53.96. PagSeguro Digital's value of 21.87 is 59.5% below this industry median. Based on the distribution chart, PagSeguro Digital ranks #2075 out of 2602 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, PagSeguro Digital has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PagSeguro Digital's Days Payable compare to CALX and EEFT?
According to the Software industry distribution chart, PagSeguro Digital ranks #2075 out of 2602 companies for Days Payable. This places PagSeguro Digital in the lower half of its industry. The industry median Days Payable is 53.96. PagSeguro Digital's value of 21.87 is 59.5% below this benchmark. Historically, PagSeguro Digital's own Days Payable has ranged from 20.77 to 31.77 over the past decade. While the company's 10-year median is 24.50 vs. the industry median of 53.96, PagSeguro Digital 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 53.96, 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. PagSeguro Digital's current Days Payable of 21.87 is 59.5% 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 PagSeguro Digital 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. PagSeguro Digital's current Days Payable is 21.87, which is 11% below median its own 10-year median of 24.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PagSeguro Digital stock overvalued right now?
Based on GuruFocus' analysis, PagSeguro Digital (PAGS) is currently considered Modestly Undervalued. The stock's GF Value™ is $11.93, compared to a current price of $8.77 — trading 26.5% below its estimated fair value. The current Days Payable is 21.87, which is 11% below median its 10-year median of 24.50 and 59.5% below the Software industry median of 53.96. PagSeguro Digital's overall GF Score™ is 90/100 with 3 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 PagSeguro Digital (PAGS), the current Days Payable is 21.87 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 PagSeguro Digital (PAGS) Overvalued in 2026?
Based on GuruFocus' analysis, PagSeguro Digital stock appears to be undervalued.
The current stock price of $8.77 is trading 26.5% below its estimated GF Value™ of $11.93.
GuruFocus considers PagSeguro Digital to be Modestly Undervalued.
Key valuation signals for PAGS:
Days Payable: 21.87 (11% below median its 10-year median of 24.50)
GF Value™: $11.93 vs. price of $8.77 (26.5% below fair value)
Industry Position: 59.5% below the Software median (#2075 of 2602)
No single metric tells the full story. See the PAGS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PagSeguro Digital Ltd is a Brazilian-based company that acts as a provider of financial technology solutions focused on Micro-Merchants, Small Companies and Medium-Sized Companies (SMEs), in Brazil. The company provides a range of solutions and tools such as cash-in and cash-out options and provides access to working capital to help to manage its cash flow. It delivers an end-to-end digital ecosystem to address day-to-day financial needs, including receiving and spending funds and managing and growing businesses for clients. The company also offers the Free PagSeguro Digital Account delivering Cash-In Solutions, Online and In-Person Payment Tools, Online Payment Tools; and Web Check Outs offer tokenization, handling of shipping information, and others.
90GF Score
Get the complete analysis for PAGS
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PAGS has been successfully added to your 
