UsioUSIO +2.77%58 Days Payable is 4.84 as of Mar. 2026, which is 25% below its 10-year median of 6.47. GuruFocus rates USIO with a GF Score™ of 58/100 and a GF Value™ of $1.61 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,604 Software companies, Usio ranks worse than 96.2% on this metric.
Usio's average Accounts Payable for the
three
months ended in Mar. 2026 was $1.08 Mil. Usio's Cost of Goods Sold for the
three
months ended in Mar. 2026 was $20.33 Mil.
Hence, Usio's Days Payable for the
three
months ended in Mar. 2026 was 4.84.
The historical rank and industry rank for Usio's Days Payable or its related term are showing as below:
USIO'
s Days Payable Range Over the Past 10 Years
Min: 4.61 Med: 6.47 Max: 9.32
Current: 4.61
During the past 13 years, Usio's highest Days Payable was 9.32. The lowest was 4.61. And the median was 6.47.
USIO's Days Payable is ranked worse than 96.2% of 2604
companies
in the Software industry
Industry Median: 53.955
vs USIO: 4.61
Usio's Days Payable
declined
from Mar. 2025 (5.23) to Mar. 2026 (4.84).
It may suggest that Usioaccelerated paying its suppliers.
Usio Days Payable Related Terms
Usio Days Payable Historical Data
* Premium members only.
The historical data trend for Usio'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, Usio'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.
Usio Days Payable vs Software Industry
For the Software industry and Technology sector, Usio's Days Payable distribution charts can be found below:
* The bar in red indicates where Usio'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.
Usio'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.
Usio (USIO) has a Days Payable of 4.84 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 Usio and its competitors. This is 25% below median its historical median of 6.47. Over the past decade, Usio's Days Payable has ranged from 4.61 to 9.32. According to the industry distribution chart, Usio ranks #2505 out of 2604 companies in the Software industry, placing it in the top 96.2%.
Is Usio's Days Payable too high?
Usio's current Days Payable of 4.84 is 25% below median its 10-year median of 6.47. Over the past 10 years, this metric has ranged from a low of 4.61 to a high of 9.32. The Software industry median Days Payable is 53.96. Usio's value of 4.84 is 91% below this industry median. Based on the distribution chart, Usio ranks #2505 out of 2604 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Usio has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Usio's Days Payable compare to EXYN and AVX?
According to the Software industry distribution chart, Usio ranks #2505 out of 2604 companies for Days Payable. This places Usio in the lower half of its industry. The industry median Days Payable is 53.96. Usio's value of 4.84 is 91% below this benchmark. Historically, Usio's own Days Payable has ranged from 4.61 to 9.32 over the past decade. While the company's 10-year median is 6.47 vs. the industry median of 53.96, Usio 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 2,604 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. Usio's current Days Payable of 4.84 is 91% 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 Usio 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. Usio's current Days Payable is 4.84, which is 25% below median its own 10-year median of 6.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usio stock overvalued right now?
Based on GuruFocus' analysis, Usio (USIO) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.61, compared to a current price of $2.21 — trading 37.3% above its estimated fair value. The current Days Payable is 4.84, which is 25% below median its 10-year median of 6.47 and 91% below the Software industry median of 53.96. Usio's overall GF Score™ is 58/100 with 6 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 Usio (USIO), the current Days Payable is 4.84 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 Usio (USIO) Overvalued in 2026?
Based on GuruFocus' analysis, Usio stock appears to be overvalued.
The current stock price of $2.21 is trading 37.3% above its estimated GF Value™ of $1.61.
GuruFocus considers Usio to be Significantly Overvalued.
Key valuation signals for USIO:
Days Payable: 4.84 (25% below median its 10-year median of 6.47)
GF Value™: $1.61 vs. price of $2.21 (37.3% above fair value)
Industry Position: 91% below the Software median (#2505 of 2604)
No single metric tells the full story. See the USIO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Usio Inc is a cloud-based Fintech payment processor. The company serves multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. It provides payment acceptance through multiple payment methods, including payment facilitation, prepaid card, and electronic billing products and services to businesses, merchants, and consumers. The company's reportable operating segments are Output Solutions and Merchant Services, and these segments.
58GF Score
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