XTMXTMIF -99.93% Days Payable is 496.87 as of Sep. 2025, which is 103% above its 10-year median of 244.63. The stock has 6 warning signs investors should review. Among 2,604 Software companies, XTM ranks better than 91.9% on this metric.
XTM's average Accounts Payable for the
three
months ended in Sep. 2025 was $8.89 Mil. XTM's Cost of Goods Sold for the
three
months ended in Sep. 2025 was $1.63 Mil.
Hence, XTM's Days Payable for the
three
months ended in Sep. 2025 was 496.87.
The historical rank and industry rank for XTM's Days Payable or its related term are showing as below:
XTMIF'
s Days Payable Range Over the Past 10 Years
Min: 101.61 Med: 244.63 Max: 459.91
Current: 459.91
During the past 7 years, XTM's highest Days Payable was 459.91. The lowest was 101.61. And the median was 244.63.
XTMIF's Days Payable is ranked better than 91.9% of 2604
companies
in the Software industry
Industry Median: 53.955
vs XTMIF: 459.91
XTM's Days Payable
increased
from Sep. 2024 (392.02) to Sep. 2025 (496.87).
It may suggest that XTMdelayed paying its suppliers.
XTM Days Payable Related Terms
XTM Days Payable Historical Data
* Premium members only.
The historical data trend for XTM'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 Information Technology Services subindustry, XTM'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.
XTM Days Payable vs Software Industry
For the Software industry and Technology sector, XTM's Days Payable distribution charts can be found below:
* The bar in red indicates where XTM'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.
XTM's Days Payable for the fiscal year that ended in Dec. 2024 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.
XTM (XTMIF) has a Days Payable of 496.87 as of Sep. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on XTM and its competitors. This is 103% above median its historical median of 244.63. Over the past decade, XTM's Days Payable has ranged from 101.61 to 459.91. According to the industry distribution chart, XTM ranks #211 out of 2604 companies in the Software industry, placing it in the top 8.1%.
Is XTM's Days Payable too high?
XTM's current Days Payable of 496.87 is 103% above median its 10-year median of 244.63. Over the past 10 years, this metric has ranged from a low of 101.61 to a high of 459.91. The Software industry median Days Payable is 53.96. XTM's value of 496.87 is 820.9% above this industry median. Based on the distribution chart, XTM ranks #211 out of 2604 companies in the Software industry, which is in the top quartile — a strong position relative to peers.
How does XTM's Days Payable compare to IBM and ACN?
According to the Software industry distribution chart, XTM ranks #211 out of 2604 companies for Days Payable. This places XTM in the top 8% of its industry — outperforming the majority of peers. The industry median Days Payable is 53.96. XTM's value of 496.87 is 820.9% above this benchmark. Historically, XTM's own Days Payable has ranged from 101.61 to 459.91 over the past decade. While the company's 10-year median is 244.63 vs. the industry median of 53.96, XTM 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 2,604 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. XTM's current Days Payable of 496.87 is 820.9% 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 XTM 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. XTM's current Days Payable is 496.87, which is 103% above median its own 10-year median of 244.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XTM stock overvalued right now?
Based on GuruFocus' analysis, XTM (XTMIF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.10, compared to a current price of $0.00 — trading 98.6% below its estimated fair value. The current Days Payable is 496.87, which is 103% above median its 10-year median of 244.63 and 820.9% above the Software industry median of 53.96. 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 XTM (XTMIF), the current Days Payable is 496.87 as of Sep. 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.
XTM Inc is a fintech innovator with offices in Toronto and Miami. Through its AnyDay platform XTM delivers instant pay and Earned Wage Access solutions to restaurants, hospitality, personal care, and staffing sectors. The company was founded in the cloud-banking space to further support businesses to inspire their workforce in the hospitality, personal care and services staffing industries, the company provides on-demand pay for many large brands, including Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels and Live Nation.
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