What is Substrate Artificial Inteligence Days Payable?
Substrate Artificial InteligenceXMAD:SAI.B 6 Days Payable is 1,808.33 as of Dec. 2025, which is 600% above its 10-year median of 258.36. GuruFocus rates XMAD:SAI.B with a GF Score™ of 6/100 and a GF Value™ of €0.53 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 2,602 Software companies, Substrate Artificial Inteligence ranks better than 96.93% on this metric.
* 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.
Substrate Artificial Inteligence Days Payable Chart
XMAD:SAI.B vs MSFT, ORCL, PLTR: Days Payable Comparison
For the Software - Infrastructure subindustry, Substrate Artificial Inteligence'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.
Substrate Artificial Inteligence Days Payable vs Software Industry
For the Software industry and Technology sector, Substrate Artificial Inteligence's Days Payable distribution charts can be found below:
* The bar in red indicates where Substrate Artificial Inteligence's Days Payable falls into.
Substrate Artificial Inteligence Days Payable Calculation
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.
* 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.
Substrate Artificial Inteligence (XMAD:SAI.B) has a Days Payable of 1,808.33 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 Substrate Artificial Inteligence and its competitors. This is 600% above median its historical median of 258.36. Over the past decade, Substrate Artificial Inteligence's Days Payable has ranged from 147.58 to 1,420.80. According to the industry distribution chart, Substrate Artificial Inteligence ranks #80 out of 2602 companies in the Software industry, placing it in the top 3.1%.
Is Substrate Artificial Inteligence's Days Payable too high?
Substrate Artificial Inteligence's current Days Payable of 1,808.33 is 600% above median its 10-year median of 258.36. Over the past 10 years, this metric has ranged from a low of 147.58 to a high of 1,420.80. The Software industry median Days Payable is 53.96. Substrate Artificial Inteligence's value of 1,808.33 is 3251.6% above this industry median. Based on the distribution chart, Substrate Artificial Inteligence ranks #80 out of 2602 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Substrate Artificial Inteligence has a GF Score™ of 6/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Substrate Artificial Inteligence's Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, Substrate Artificial Inteligence ranks #80 out of 2602 companies for Days Payable. This places Substrate Artificial Inteligence in the top 3% of its industry — outperforming the majority of peers. The industry median Days Payable is 53.96. Substrate Artificial Inteligence's value of 1,808.33 is 3251.6% above this benchmark. Historically, Substrate Artificial Inteligence's own Days Payable has ranged from 147.58 to 1,420.80 over the past decade. While the company's 10-year median is 258.36 vs. the industry median of 53.96, Substrate Artificial Inteligence 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 53.96, based on 2,602 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. Substrate Artificial Inteligence's current Days Payable of 1,808.33 is 3251.6% 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 Substrate Artificial Inteligence 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. Substrate Artificial Inteligence's current Days Payable is 1,808.33, which is 600% above median its own 10-year median of 258.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Substrate Artificial Inteligence stock overvalued right now?
Based on GuruFocus' analysis, Substrate Artificial Inteligence (XMAD:SAI.B) is currently considered Possible Value Trap. The stock's GF Value™ is €0.53, compared to a current price of €0.13 — trading 75.1% below its estimated fair value. The current Days Payable is 1,808.33, which is 600% above median its 10-year median of 258.36 and 3251.6% above the Software industry median of 53.96. Substrate Artificial Inteligence's overall GF Score™ is 6/100 with 7 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 Substrate Artificial Inteligence (XMAD:SAI.B), the current Days Payable is 1,808.33 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 Substrate Artificial Inteligence (XMAD:SAI.B) Overvalued in 2026?
Based on GuruFocus' analysis, Substrate Artificial Inteligence stock appears to be undervalued.
The current stock price of €0.13 is trading 75.1% below its estimated GF Value™ of €0.53.
GuruFocus considers Substrate Artificial Inteligence to be Possible Value Trap.
Key valuation signals for XMAD:SAI.B:
Days Payable: 1,808.33 (600% above median its 10-year median of 258.36)
GF Value™: €0.53 vs. price of €0.13 (75.1% below fair value)
Industry Position: 3251.6% above the Software median (#80 of 2602)
No single metric tells the full story. See the XMAD:SAI.B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Substrate Artificial Inteligence Business Description
Substrate Artificial Inteligence SA is an Artificial Intelligence company in Spain. Its software is applied in agritech, energy, industry, fintech, human resources, or health sectors. Its technology is easy to implement and allows it to address all the problems faced by companies in the digitization and streamlining of their processes, optimizing decision-making and generating great cost savings.
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