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Temenos AGXSWX:TEMN +0.20%81 Days Payable is 276.82 as of Jun. 2026, which is 353% above its 10-year median of 61.08. GuruFocus rates XSWX:TEMN with a GF Score™ of 81/100 and a GF Value™ of CHF70.34 (Fairly Valued). The stock has 4 warning signs investors should review. Among 2,611 Software companies, Temenos AG ranks better than 85.87% on this metric.
Temenos AG's average Accounts Payable for the
three
months ended in Jun. 2026 was CHF220.9 Mil. Temenos AG's Cost of Goods Sold for the
three
months ended in Jun. 2026 was CHF72.8 Mil.
Hence, Temenos AG's Days Payable for the
three
months ended in Jun. 2026 was 276.82.
The historical rank and industry rank for Temenos AG's Days Payable or its related term are showing as below:
XSWX:TEMN'
s Days Payable Range Over the Past 10 Years
Min: 43.47 Med: 61.08 Max: 234.41
Current: 234.41
During the past 13 years, Temenos AG's highest Days Payable was 234.41. The lowest was 43.47. And the median was 61.08.
XSWX:TEMN's Days Payable is ranked better than 85.87% of 2611
companies
in the Software industry
Industry Median: 51.83
vs XSWX:TEMN: 234.41
Temenos AG's Days Payable
declined
from Jun. 2025 (566.23) to Jun. 2026 (276.82).
It may suggest that Temenos AGaccelerated paying its suppliers.
The historical data trend for Temenos AG'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.
XSWX:TEMN vs QH, SHOP, UBER: Days Payable Comparison
For the Software - Application subindustry, Temenos AG'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.
Temenos AG Days Payable vs Software Industry
For the Software industry and Technology sector, Temenos AG's Days Payable distribution charts can be found below:
* The bar in red indicates where Temenos AG'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.
Temenos AG'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.
Temenos AG (XSWX:TEMN) has a Days Payable of 276.82 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Temenos AG and its competitors. This is 353% above median its historical median of 61.08. Over the past decade, Temenos AG's Days Payable has ranged from 43.47 to 234.41. According to the industry distribution chart, Temenos AG ranks #369 out of 2611 companies in the Software industry, placing it in the top 14.1%.
Is Temenos AG's Days Payable too high?
Temenos AG's current Days Payable of 276.82 is 353% above median its 10-year median of 61.08. Over the past 10 years, this metric has ranged from a low of 43.47 to a high of 234.41. The Software industry median Days Payable is 51.83. Temenos AG's value of 276.82 is 434.1% above this industry median. Based on the distribution chart, Temenos AG ranks #369 out of 2611 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Temenos AG has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Temenos AG's Days Payable compare to QH and SHOP?
According to the Software industry distribution chart, Temenos AG ranks #369 out of 2611 companies for Days Payable. This places Temenos AG in the top 14% of its industry — outperforming the majority of peers. The industry median Days Payable is 51.83. Temenos AG's value of 276.82 is 434.1% above this benchmark. Historically, Temenos AG's own Days Payable has ranged from 43.47 to 234.41 over the past decade. While the company's 10-year median is 61.08 vs. the industry median of 51.83, Temenos AG 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 51.83, based on 2,611 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. Temenos AG's current Days Payable of 276.82 is 434.1% 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 Temenos AG and its competitors. For the Software industry, the median Days Payable is 51.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Temenos AG's current Days Payable is 276.82, which is 353% above median its own 10-year median of 61.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Temenos AG stock overvalued right now?
Based on GuruFocus' analysis, Temenos AG (XSWX:TEMN) is currently considered Fairly Valued. The stock's GF Value™ is CHF70.34, compared to a current price of CHF74.75 — trading 6.3% above its estimated fair value. The current Days Payable is 276.82, which is 353% above median its 10-year median of 61.08 and 434.1% above the Software industry median of 51.83. Temenos AG's overall GF Score™ is 81/100 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 Temenos AG (XSWX:TEMN), the current Days Payable is 276.82 as of Jun. 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 Temenos AG (XSWX:TEMN) Overvalued in 2026?
Based on GuruFocus' analysis, Temenos AG stock appears to be overvalued.
The current stock price of CHF74.75 is trading 6.3% above its estimated GF Value™ of CHF70.34.
GuruFocus considers Temenos AG to be Fairly Valued.
Key valuation signals for XSWX:TEMN:
Days Payable: 276.82 (353% above median its 10-year median of 61.08)
GF Value™: CHF70.34 vs. price of CHF74.75 (6.3% above fair value)
Industry Position: 434.1% above the Software median (#369 of 2611)
No single metric tells the full story. See the XSWX:TEMN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Temenos is a Swiss company that provides banking software to financial institutions around the world. Its main product is core banking software that helps banks manage accounts, customer information, transaction processing, loans, security, and financial reporting. Besides core banking software, Temenos offers products for digital banking, payments, wealth management, compliance, and analytics to help banks improve customer experience and meet regulatory requirements.
81GF Score
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