PBS FinanseWAR:PBF 75 Days Inventory is 592.65 as of Mar. 2026, which is 19% above its 10-year median of 498.43. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 99 Credit Services companies, PBS Finanse ranks worse than 90.91% on this metric.
Days Inventory is also known as Days Sales of Inventory (DSI). PBS Finanse's Average Total Inventories for the
three
months ended in Mar. 2026 was zł4.33 Mil. PBS Finanse's Cost of Goods Sold for the
three
months ended in Mar. 2026 was zł0.67 Mil.
Hence, PBS Finanse's Days Inventory for the
three
months ended in Mar. 2026 was 592.65.
The historical rank and industry rank for PBS Finanse's Days Inventory or its related term are showing as below:
WAR:PBF'
s Days Inventory Range Over the Past 10 Years
Min: 150.14 Med: 498.43 Max: 3447.69
Current: 561.98
During the past 13 years, PBS Finanse's highest Days Inventory was 3447.69. The lowest was 150.14. And the median was 498.43.
WAR:PBF's Days Inventory is ranked worse than 90.91% of 99
companies
in the Credit Services industry
Industry Median: 56.59
vs WAR:PBF: 561.98
PBS Finanse's Days Inventory
declined
from Mar. 2025 (610.43) to Mar. 2026 (592.65).
Inventory Turnover measures how fast the company turns over its inventory within a year.
PBS Finanse's Inventory Turnover for the
three
months ended in Mar. 2026 was 0.15.
Inventory-to-Revenue determines the ability of a company to manage their inventory levels. It measures the percentage of Inventories the company currently has on hand to support the current amount of Revenue.
PBS Finanse's Inventory-to-Revenue for the
three
months ended in Mar. 2026 was 4.99.
PBS Finanse (WAR:PBF) Days Inventory Explanation
Days Inventory indicates the liquidity of the inventory. Generally, a lower Days Inventory is preferred as it indicates a shorter duration to clear off the inventory. An increase of the ratio may indicate the company's sales slowed. Similar ratios related to Days Inventory are:
1. Inventory Turnover measures how fast the company turns over its inventory within a year.
PBS Finanse's Inventory Turnover for the
three
months ended in Mar. 2026 is calculated as
2. Inventory-to-Revenue determines the ability of a company to manage their inventory levels. It measures the percentage of Inventories the company currently has on hand to support the current amount of Revenue.
PBS Finanse's Inventory to Revenue for the
three
months ended in Mar. 2026 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.
Be Aware
A lot of business are seasonable. It makes more sense to compare Days Inventory from the same period in the previous year instead of from the previous quarter.
PBS Finanse Days Inventory Related Terms
PBS Finanse Days Inventory Historical Data
* Premium members only.
The historical data trend for PBS Finanse's Days Inventory 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 Credit Services subindustry, PBS Finanse's Days Inventory, along with its competitors' market caps and Days Inventory 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.
PBS Finanse Days Inventory vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's Days Inventory distribution charts can be found below:
* The bar in red indicates where PBS Finanse's Days Inventory falls into.
* 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.
PBS Finanse (WAR:PBF) has a Days Inventory of 592.65 as of Mar. 2026. Days inventory represents the average amount of days a company holds inventory before selling it. View historical data on PBS Finanse and its competitors. This is 19% above median its historical median of 498.43. Over the past decade, PBS Finanse's Days Inventory has ranged from 150.14 to 3,447.69. According to the industry distribution chart, PBS Finanse ranks #90 out of 99 companies in the Credit Services industry, placing it in the top 90.9%.
Is PBS Finanse's Days Inventory too high?
PBS Finanse's current Days Inventory of 592.65 is 19% above median its 10-year median of 498.43. Over the past 10 years, this metric has ranged from a low of 150.14 to a high of 3,447.69. The Credit Services industry median Days Inventory is 56.59. PBS Finanse's value of 592.65 is 947.3% above this industry median. Based on the distribution chart, PBS Finanse ranks #90 out of 99 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's Days Inventory compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #90 out of 99 companies for Days Inventory. This places PBS Finanse in the lower half of its industry. The industry median Days Inventory is 56.59. PBS Finanse's value of 592.65 is 947.3% above this benchmark. Historically, PBS Finanse's own Days Inventory has ranged from 150.14 to 3,447.69 over the past decade. While the company's 10-year median is 498.43 vs. the industry median of 56.59, PBS Finanse 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 Inventory for a Credit Services company?
The median Days Inventory among Credit Services companies is 56.59, based on 99 companies in the industry. Companies in the top quartile (top 25%) have a Days Inventory significantly above this median, while those in the bottom quartile fall well below. However, Days Inventory should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PBS Finanse's current Days Inventory of 592.65 is 947.3% 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 Inventory mean?
A high Days Inventory can signal that a stock is expensive relative to its fundamentals. Days inventory represents the average amount of days a company holds inventory before selling it. View historical data on PBS Finanse and its competitors. For the Credit Services industry, the median Days Inventory is 56.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBS Finanse's current Days Inventory is 592.65, which is 19% above median its own 10-year median of 498.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current Days Inventory is 592.65, which is 19% above median its 10-year median of 498.43 and 947.3% above the Credit Services industry median of 56.59. PBS Finanse's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Inventory calculated?
Days Inventory is calculated from a company's financial statements. For PBS Finanse (WAR:PBF), the current Days Inventory is 592.65 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
Days Inventory: 592.65 (19% above median its 10-year median of 498.43)
GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
Industry Position: 947.3% above the Credit Services median (#90 of 99)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score
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