Plaid (TSE:4165) Short-Term Debt: 円1,186 Mil (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSE:4165 Plaid Inc TSE:4165
70 GF Score
Price 円594.00
GF Value 円1,565.99
Valuation Significantly Undervalued
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What is Plaid Short-Term Debt?

Plaid TSE:4165 -2.14% 70 Short-Term Debt is 円1,186 Mil as of Mar. 2026. GuruFocus rates TSE:4165 with a GF Score™ of 70/100 and a GF Value™ of 円1,565.99 (Significantly Undervalued).

Plaid's Short-Term Debt for the quarter that ended in Mar. 2026 was 円1,186 Mil.

Plaid's quarterly Short-Term Debt increased from Sep. 2025 (円609 Mil) to Dec. 2025 (円1,048 Mil) and increased from Dec. 2025 (円1,048 Mil) to Mar. 2026 (円1,186 Mil).

Plaid's annual Short-Term Debt increased from Sep. 2023 (円386 Mil) to Sep. 2024 (円800 Mil) but then declined from Sep. 2024 (円800 Mil) to Sep. 2025 (円609 Mil).

Plaid Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Plaid Short-Term Debt Related Terms

Plaid Short-Term Debt Historical Data

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The historical data trend for Plaid's Short-Term Debt 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.

Plaid Short-Term Debt Chart

Plaid Annual Data
Trend Sep18 Sep19 Sep20 Sep21 Sep22 Sep23 Sep24 Sep25
Short-Term Debt
Get a 7-Day Free Trial 526.58 713.08 386.29 799.67 608.76

Plaid Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 804.65 682.14 608.76 1,047.98 1,186.32
TSE:4165
70GF Score
Plaid Inc TSE:4165
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of 円1,186 Mil mean?
Plaid (TSE:4165) has a Short-Term Debt of 円1,186 Mil as of Mar. 2026.
Is Plaid's Short-Term Debt too high?
Plaid's current Short-Term Debt is 円1,186 Mil. Overall, Plaid has a GF Score™ of 70/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Plaid's Short-Term Debt compare to QH and SHOP?
Plaid's Short-Term Debt of 円1,186 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Software company?
A good Short-Term Debt depends on the Software industry context. However, Short-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Plaid's current Short-Term Debt is 円1,186 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plaid stock overvalued right now?
Based on GuruFocus' analysis, Plaid (TSE:4165) is currently considered Significantly Undervalued. The stock's GF Value™ is 円1,565.99, compared to a current price of 円594.00 — trading 62.1% below its estimated fair value. The current Short-Term Debt is 円1,186 Mil. Plaid's overall GF Score™ is 70/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Plaid (TSE:4165), the current Short-Term Debt is 円1,186 Mil 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 Plaid (TSE:4165) Overvalued in 2026?

Based on GuruFocus' analysis, Plaid stock appears to be undervalued. The current stock price of 円594.00 is trading 62.1% below its estimated GF Value™ of 円1,565.99. GuruFocus considers Plaid to be Significantly Undervalued.

Key valuation signals for TSE:4165:

  • Short-Term Debt: 円1,186 Mil
  • GF Value™: 円1,565.99 vs. price of 円594.00 (62.1% below fair value)
  • GF Score™: 70/100

No single metric tells the full story. See the TSE:4165 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Plaid Business Description

Other Exchanges PLDIF:USA
Address 6-10-1 Ginza, Ginza Six 10th Floor, FChuo-ku, Tokyo, JPN, 104-0061
Plaid Inc is engaged in providing a cloud-based customer experience platform, KARTE. It provides data analytics, development and operation of the platform, media shopping tribe, and other services.
70GF Score

Get the complete analysis for TSE:4165

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円594.00
Price
円1,565.99
GF Value