BlockXSWX:XYZ +0.82%86 Days Payable is 3.62 as of Mar. 2026, which is 67% below its 10-year median of 10.90. GuruFocus rates XSWX:XYZ with a GF Score™ of 86/100 and a GF Value™ of CHF59.74. The stock has 9 warning signs investors should review. Among 2,601 Software companies, Block ranks worse than 97.65% on this metric.
Block's average Accounts Payable for the
three
months ended in Mar. 2026 was CHF98 Mil. Block's Cost of Goods Sold for the
three
months ended in Mar. 2026 was CHF2,478 Mil.
Hence, Block's Days Payable for the
three
months ended in Mar. 2026 was 3.62.
The historical rank and industry rank for Block's Days Payable or its related term are showing as below:
XSWX:XYZ'
s Days Payable Range Over the Past 10 Years
Min: 3.07 Med: 10.9 Max: 24.25
Current: 3.15
During the past 13 years, Block's highest Days Payable was 24.25. The lowest was 3.07. And the median was 10.90.
XSWX:XYZ's Days Payable is ranked worse than 97.65% of 2601
companies
in the Software industry
Industry Median: 54.04
vs XSWX:XYZ: 3.15
Block's Days Payable
increased
from Mar. 2025 (2.73) to Mar. 2026 (3.62).
It may suggest that Blockdelayed paying its suppliers.
Block Days Payable Related Terms
Block Days Payable Historical Data
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The historical data trend for Block'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:XYZ vs NTAP, CRWV, TWLO: Days Payable Comparison
For the Software - Infrastructure subindustry, Block'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.
Block Days Payable vs Software Industry
For the Software industry and Technology sector, Block's Days Payable distribution charts can be found below:
* The bar in red indicates where Block'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.
Block'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.
Block (XSWX:XYZ) has a Days Payable of 3.62 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 Block and its competitors. This is 67% below median its historical median of 10.90. Over the past decade, Block's Days Payable has ranged from 3.07 to 24.25. According to the industry distribution chart, Block ranks #2540 out of 2601 companies in the Software industry, placing it in the top 97.7%.
Is Block's Days Payable too high?
Block's current Days Payable of 3.62 is 67% below median its 10-year median of 10.90. Over the past 10 years, this metric has ranged from a low of 3.07 to a high of 24.25. The Software industry median Days Payable is 54.04. Block's value of 3.62 is 93.3% below this industry median. Based on the distribution chart, Block ranks #2540 out of 2601 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Block has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Block's Days Payable compare to NTAP and CRWV?
According to the Software industry distribution chart, Block ranks #2540 out of 2601 companies for Days Payable. This places Block in the lower half of its industry. The industry median Days Payable is 54.04. Block's value of 3.62 is 93.3% below this benchmark. Historically, Block's own Days Payable has ranged from 3.07 to 24.25 over the past decade. While the company's 10-year median is 10.90 vs. the industry median of 54.04, Block 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 54.04, based on 2,601 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. Block's current Days Payable of 3.62 is 93.3% 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 Block and its competitors. For the Software industry, the median Days Payable is 54.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Block's current Days Payable is 3.62, which is 67% below median its own 10-year median of 10.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Block stock overvalued right now?
Block (XSWX:XYZ) has a current Days Payable of 3.62. The stock's GF Value™ is CHF59.74, compared to a current price of CHF61.47 — trading 2.9% above its estimated fair value. The current Days Payable is 3.62, which is 67% below median its 10-year median of 10.90 and 93.3% below the Software industry median of 54.04. Block's overall GF Score™ is 86/100 with 9 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 Block (XSWX:XYZ), the current Days Payable is 3.62 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 Block (XSWX:XYZ) Overvalued in 2026?
Based on GuruFocus' analysis, Block stock appears to be overvalued.
The current stock price of CHF61.47 is trading 2.9% above its estimated GF Value™ of CHF59.74.
Key valuation signals for XSWX:XYZ:
Days Payable: 3.62 (67% below median its 10-year median of 10.90)
GF Value™: CHF59.74 vs. price of CHF61.47 (2.9% above fair value)
Industry Position: 93.3% below the Software median (#2540 of 2601)
No single metric tells the full story. See the XSWX:XYZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 2009, Block provides payment services to merchants, along with related services. The company also launched Cash App, a person-to-person payment network. In 2024, Square's payment volume was almost USD 250 million.
86GF Score
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