VisaXTER:3V64 +0.97%92 Days Payable is 21.38 as of Mar. 2026, which is 9% above its 10-year median of 19.58. GuruFocus rates XTER:3V64 with a GF Score™ of 92/100 and a GF Value™ of €367.29 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 302 Credit Services companies, Visa ranks worse than 58.61% on this metric.
Visa's average Accounts Payable for the
three
months ended in Mar. 2026 was €426 Mil. Visa's Cost of Goods Sold for the
three
months ended in Mar. 2026 was €1,817 Mil.
Hence, Visa's Days Payable for the
three
months ended in Mar. 2026 was 21.38.
The historical rank and industry rank for Visa's Days Payable or its related term are showing as below:
XTER:3V64'
s Days Payable Range Over the Past 10 Years
Min: 13.35 Med: 19.58 Max: 24.02
Current: 22.01
During the past 13 years, Visa's highest Days Payable was 24.02. The lowest was 13.35. And the median was 19.58.
XTER:3V64's Days Payable is ranked worse than 58.61% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs XTER:3V64: 22.01
Visa's Days Payable
increased
from Mar. 2025 (20.35) to Mar. 2026 (21.38).
It may suggest that Visadelayed paying its suppliers.
Visa Days Payable Related Terms
Visa Days Payable Historical Data
* Premium members only.
The historical data trend for Visa'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.
XTER:3V64 vs MA, AXP, COF: Days Payable Comparison
For the Credit Services subindustry, Visa'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.
Visa Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Visa's Days Payable distribution charts can be found below:
* The bar in red indicates where Visa'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.
Visa's Days Payable for the fiscal year that ended in Sep. 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.
Visa (XTER:3V64) has a Days Payable of 21.38 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 Visa and its competitors. This is near median its historical median of 19.58. Over the past decade, Visa's Days Payable has ranged from 13.35 to 24.02. According to the industry distribution chart, Visa ranks #177 out of 302 companies in the Credit Services industry, placing it in the top 58.6%.
Is Visa's Days Payable too high?
Visa's current Days Payable of 21.38 is near median its 10-year median of 19.58. Over the past 10 years, this metric has ranged from a low of 13.35 to a high of 24.02. The Credit Services industry median Days Payable is 33.41. Visa's value of 21.38 is 36% below this industry median. Based on the distribution chart, Visa ranks #177 out of 302 companies in the Credit Services industry, which is below the industry midpoint. Overall, Visa has a GF Score™ of 92/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Visa's Days Payable compare to MA and AXP?
According to the Credit Services industry distribution chart, Visa ranks #177 out of 302 companies for Days Payable. This places Visa in the lower half of its industry. The industry median Days Payable is 33.41. Visa's value of 21.38 is 36% below this benchmark. Historically, Visa's own Days Payable has ranged from 13.35 to 24.02 over the past decade. While the company's 10-year median is 19.58 vs. the industry median of 33.41, Visa 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 Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 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. Visa's current Days Payable of 21.38 is 36% 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 Visa and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Visa's current Days Payable is 21.38, which is near median its own 10-year median of 19.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Visa stock overvalued right now?
Based on GuruFocus' analysis, Visa (XTER:3V64) is currently considered Modestly Undervalued. The stock's GF Value™ is €367.29, compared to a current price of €290.30 — trading 21% below its estimated fair value. The current Days Payable is 21.38, which is near median its 10-year median of 19.58 and 36% below the Credit Services industry median of 33.41. Visa's overall GF Score™ is 92/100 with 2 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 Visa (XTER:3V64), the current Days Payable is 21.38 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 Visa (XTER:3V64) Overvalued in 2026?
Based on GuruFocus' analysis, Visa stock appears to be undervalued.
The current stock price of €290.30 is trading 21% below its estimated GF Value™ of €367.29.
GuruFocus considers Visa to be Modestly Undervalued.
Key valuation signals for XTER:3V64:
Days Payable: 21.38 (near median its 10-year median of 19.58)
GF Value™: €367.29 vs. price of €290.30 (21% below fair value)
Industry Position: 36% below the Credit Services median (#177 of 302)
No single metric tells the full story. See the XTER:3V64 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Visa is the largest payment processor in the world. In fiscal 2025, it processed almost $17 trillion in total volume. Visa operates in over 200 countries and processes transactions in over 160 currencies. Its systems are capable of processing over 65,000 transactions per second.
92GF Score
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