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Paycloud HoldingsTSE:4015 -0.58%70 Days Payable is 39.57 as of Feb. 2026, which is 31% above its 10-year median of 30.24. GuruFocus rates TSE:4015 with a GF Score™ of 70/100 and a GF Value™ of 円908.04 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 2,610 Software companies, Paycloud Holdings ranks worse than 61.61% on this metric.
The historical rank and industry rank for Paycloud Holdings's Days Payable or its related term are showing as below:
TSE:4015'
s Days Payable Range Over the Past 10 Years
Min: 19.04 Med: 30.24 Max: 81.29
Current: 35.9
During the past 8 years, Paycloud Holdings's highest Days Payable was 81.29. The lowest was 19.04. And the median was 30.24.
TSE:4015's Days Payable is ranked worse than 61.61% of 2610
companies
in the Software industry
Industry Median: 51.36
vs TSE:4015: 35.90
Paycloud Holdings's Days Payable
declined
from Feb. 2025 (39.89) to Feb. 2026 (39.57).
It may suggest that Paycloud Holdingsaccelerated paying its suppliers.
The historical data trend for Paycloud Holdings'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:4015 vs CRM, SHOP, UBER: Days Payable Comparison
For the Software - Application subindustry, Paycloud Holdings'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.
Paycloud Holdings Days Payable vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where Paycloud Holdings'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.
Paycloud Holdings's Days Payable for the fiscal year that ended in Aug. 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.
Paycloud Holdings (TSE:4015) has a Days Payable of 39.57 as of Feb. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Paycloud Holdings and its competitors. This is 31% above median its historical median of 30.24. Over the past decade, Paycloud Holdings' Days Payable has ranged from 19.04 to 81.29. According to the industry distribution chart, Paycloud Holdings ranks #1608 out of 2610 companies in the Software industry, placing it in the top 61.6%.
Is Paycloud Holdings' Days Payable too high?
Paycloud Holdings' current Days Payable of 39.57 is 31% above median its 10-year median of 30.24. Over the past 10 years, this metric has ranged from a low of 19.04 to a high of 81.29. The Software industry median Days Payable is 51.36. Paycloud Holdings' value of 39.57 is 23% below this industry median. Based on the distribution chart, Paycloud Holdings ranks #1608 out of 2610 companies in the Software industry, which is below the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Days Payable compare to CRM and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #1608 out of 2610 companies for Days Payable. This places Paycloud Holdings in the lower half of its industry. The industry median Days Payable is 51.36. Paycloud Holdings' value of 39.57 is 23% below this benchmark. Historically, Paycloud Holdings' own Days Payable has ranged from 19.04 to 81.29 over the past decade. While the company's 10-year median is 30.24 vs. the industry median of 51.36, Paycloud Holdings 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 51.36, based on 2,610 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. Paycloud Holdings's current Days Payable of 39.57 is 23% 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 Paycloud Holdings and its competitors. For the Software industry, the median Days Payable is 51.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paycloud Holdings's current Days Payable is 39.57, which is 31% above median its own 10-year median of 30.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円908.04, compared to a current price of 円515.00 — trading 43.3% below its estimated fair value. The current Days Payable is 39.57, which is 31% above median its 10-year median of 30.24 and 23% below the Software industry median of 51.36. Paycloud Holdings' overall GF Score™ is 70/100 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 Paycloud Holdings (TSE:4015), the current Days Payable is 39.57 as of Feb. 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円515.00 is trading 43.3% below its estimated GF Value™ of 円908.04.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Days Payable: 39.57 (31% above median its 10-year median of 30.24)
GF Value™: 円908.04 vs. price of 円515.00 (43.3% below fair value)
Industry Position: 23% below the Software median (#1608 of 2610)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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