The historical rank and industry rank for User Local's Days Payable or its related term are showing as below:
During the past 11 years, User Local's highest Days Payable was 65.98. The lowest was 49.15. And the median was 57.57.
TSE:3984's Days Payable is not ranked *
in the Software industry.
Industry Median: 52.79 * Ranked among companies with meaningful Days Payable only.
User Local's Days Payable
stayed the same
from Dec. 2024 (0.00) to Dec. 2025 (0.00).
stayed the same
User Local Days Payable Related Terms
User Local Days Payable Historical Data
* Premium members only.
The historical data trend for User Local'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.
TSE:3984 vs IBM, ACN, FISV: Days Payable Comparison
For the Information Technology Services subindustry, User Local'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.
User Local Days Payable vs Software Industry
For the Software industry and Technology sector, User Local's Days Payable distribution charts can be found below:
* The bar in red indicates where User Local'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.
User Local'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.
User Local (TSE:3984) has a Days Payable of 0.00 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 User Local and its competitors. Over the past decade, User Local's Days Payable has ranged from 49.15 to 65.98. According to the industry distribution chart, User Local ranks #999999 out of 2605 companies in the Software industry.
Is User Local's Days Payable too high?
User Local's current Days Payable is 0.00. Over the past 10 years, this metric has ranged from a low of 49.15 to a high of 65.98. Based on the distribution chart, User Local ranks #999999 out of 2605 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, User Local has a GF Score™ of 97/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does User Local's Days Payable compare to IBM and ACN?
According to the Software industry distribution chart, User Local ranks #999999 out of 2605 companies for Days Payable. This places User Local in the lower half of its industry. The industry median Days Payable is 52.79. Historically, User Local's own Days Payable has ranged from 49.15 to 65.98 over the past decade. 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 2,605 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. 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 User Local 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. User Local's current Days Payable is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is User Local stock overvalued right now?
Based on GuruFocus' analysis, User Local (TSE:3984) is currently considered Modestly Undervalued. The stock's GF Value™ is 円2,112.09, compared to a current price of 円1,784.00 — trading 15.5% below its estimated fair value. The current Days Payable is 0.00. User Local's overall GF Score™ is 97/100 with 1 warning sign 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 User Local (TSE:3984), the current Days Payable is 0.00 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 User Local (TSE:3984) Overvalued in 2026?
Based on GuruFocus' analysis, User Local stock appears to be undervalued.
The current stock price of 円1,784.00 is trading 15.5% below its estimated GF Value™ of 円2,112.09.
GuruFocus considers User Local to be Modestly Undervalued.
Key valuation signals for TSE:3984:
Days Payable: 0.00
GF Value™: 円2,112.09 vs. price of 円1,784.00 (15.5% below fair value)
No single metric tells the full story. See the TSE:3984 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
User Local Inc is engaged in the research and development of big data analysis system, web marketing support tool, offering media analysis tool, and managing artificial intelligence chat bot.
97GF Score
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