Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Systex FintechROCO:7819 -0.83%23 Days Payable is 53.80 as of Dec. 2025, which is 2% below its 10-year median of 55.07. GuruFocus rates ROCO:7819 with a GF Score™ of 23/100. The stock has 3 warning signs investors should review. Among 2,608 Software companies, Systex Fintech ranks better than 69.36% on this metric.
The historical rank and industry rank for Systex Fintech's Days Payable or its related term are showing as below:
ROCO:7819'
s Days Payable Range Over the Past 10 Years
Min: 45.86 Med: 55.07 Max: 102.73
Current: 102.73
During the past 3 years, Systex Fintech's highest Days Payable was 102.73. The lowest was 45.86. And the median was 55.07.
ROCO:7819's Days Payable is ranked better than 69.36% of 2608
companies
in the Software industry
Industry Median: 52.785
vs ROCO:7819: 102.73
Systex Fintech's Days Payable
declined
from Sep. 2024 (83.72) to Dec. 2025 (53.80).
It may suggest that Systex Fintechaccelerated paying its suppliers.
Systex Fintech Days Payable Related Terms
Systex Fintech Days Payable Historical Data
* Premium members only.
The historical data trend for Systex Fintech'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.
ROCO:7819 vs MSFT, ORCL, PLTR: Days Payable Comparison
For the Software - Infrastructure subindustry, Systex Fintech'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.
Systex Fintech Days Payable vs Software Industry
For the Software industry and Technology sector, Systex Fintech's Days Payable distribution charts can be found below:
* The bar in red indicates where Systex Fintech'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.
Systex Fintech'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.
Systex Fintech (ROCO:7819) has a Days Payable of 53.80 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 Systex Fintech and its competitors. This is near median its historical median of 55.07. Over the past decade, Systex Fintech's Days Payable has ranged from 45.86 to 102.73. According to the industry distribution chart, Systex Fintech ranks #799 out of 2608 companies in the Software industry, placing it in the top 30.6%.
Is Systex Fintech's Days Payable too high?
Systex Fintech's current Days Payable of 53.80 is near median its 10-year median of 55.07. Over the past 10 years, this metric has ranged from a low of 45.86 to a high of 102.73. The Software industry median Days Payable is 52.79. Systex Fintech's value of 53.80 is 1.9% above this industry median. Based on the distribution chart, Systex Fintech ranks #799 out of 2608 companies in the Software industry, which is above the industry midpoint. Overall, Systex Fintech has a GF Score™ of 23/100, reflecting its overall financial health beyond just this single metric.
How does Systex Fintech's Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, Systex Fintech ranks #799 out of 2608 companies for Days Payable. This puts Systex Fintech in the upper half of its industry. The industry median Days Payable is 52.79. Systex Fintech's value of 53.80 is 1.9% above this benchmark. Historically, Systex Fintech's own Days Payable has ranged from 45.86 to 102.73 over the past decade. While the company's 10-year median is 55.07 vs. the industry median of 52.79, Systex Fintech 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 52.79, based on 2,608 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. Systex Fintech's current Days Payable of 53.80 is 1.9% 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 Systex Fintech and its competitors. For the Software industry, the median Days Payable is 52.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Systex Fintech's current Days Payable is 53.80, which is near median its own 10-year median of 55.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Systex Fintech stock overvalued right now?
Systex Fintech (ROCO:7819) has a current Days Payable of 53.80. The current Days Payable is 53.80, which is near median its 10-year median of 55.07 and 1.9% above the Software industry median of 52.79. Systex Fintech's overall GF Score™ is 23/100 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 Systex Fintech (ROCO:7819), the current Days Payable is 53.80 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.
Systex Fintech Corp. is a financial technology company that delivers tailored solutions for the financial services industry. The products and services of the company include credit cards, virtual accounts, overseas receipts, electronic signature systems, and others.
23GF Score
Get the complete analysis for ROCO:7819
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
ROCO:7819 has been successfully added to your 
