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Paysera Bulgaria JSCXBUL:PAY 13 Days Payable is 76.63 as of Dec. 2025, which is 1917% above its 10-year median of 3.80. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review. Among 2,610 Software companies, Paysera Bulgaria JSC ranks worse than 69.31% on this metric.
The historical data trend for Paysera Bulgaria JSC'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.
XBUL:PAY vs MSFT, PLTR, ORCL: Days Payable Comparison
For the Software - Infrastructure subindustry, Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC Days Payable vs Software Industry
For the Software industry and Technology sector, Paysera Bulgaria JSC's Days Payable distribution charts can be found below:
* The bar in red indicates where Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC (XBUL:PAY) has a Days Payable of 76.63 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 Paysera Bulgaria JSC and its competitors. This is 1917% above median its historical median of 3.80. Over the past decade, Paysera Bulgaria JSC's Days Payable has ranged from 1.71 to 27.69. According to the industry distribution chart, Paysera Bulgaria JSC ranks #1809 out of 2610 companies in the Software industry, placing it in the top 69.3%.
Is Paysera Bulgaria JSC's Days Payable too high?
Paysera Bulgaria JSC's current Days Payable of 76.63 is 1917% above median its 10-year median of 3.80. Over the past 10 years, this metric has ranged from a low of 1.71 to a high of 27.69. The Software industry median Days Payable is 51.36. Paysera Bulgaria JSC's value of 76.63 is 49.2% above this industry median. Based on the distribution chart, Paysera Bulgaria JSC ranks #1809 out of 2610 companies in the Software industry, which is below the industry midpoint. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's Days Payable compare to MSFT and PLTR?
According to the Software industry distribution chart, Paysera Bulgaria JSC ranks #1809 out of 2610 companies for Days Payable. This places Paysera Bulgaria JSC in the lower half of its industry. The industry median Days Payable is 51.36. Paysera Bulgaria JSC's value of 76.63 is 49.2% above this benchmark. Historically, Paysera Bulgaria JSC's own Days Payable has ranged from 1.71 to 27.69 over the past decade. While the company's 10-year median is 3.80 vs. the industry median of 51.36, Paysera Bulgaria JSC 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 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. Paysera Bulgaria JSC's current Days Payable of 76.63 is 49.2% 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 Paysera Bulgaria JSC 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. Paysera Bulgaria JSC's current Days Payable is 76.63, which is 1917% above median its own 10-year median of 3.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current Days Payable of 76.63. The current Days Payable is 76.63, which is 1917% above median its 10-year median of 3.80 and 49.2% above the Software industry median of 51.36. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 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 Paysera Bulgaria JSC (XBUL:PAY), the current Days Payable is 76.63 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.
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
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