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Muninova HoldingsAIFLY 65 Days Payable is 1,619.66 as of Dec. 2025, which is 16% above its 10-year median of 1,397.83. GuruFocus rates AIFLY with a GF Score™ of 65/100 and a GF Value™ of $1.64. The stock has 5 warning signs investors should review. Among 302 Credit Services companies, Muninova Holdings ranks better than 94.7% on this metric.
The historical rank and industry rank for Muninova Holdings's Days Payable or its related term are showing as below:
AIFLY'
s Days Payable Range Over the Past 10 Years
Min: 285.01 Med: 1397.83 Max: 2677.16
Current: 1680.86
During the past 13 years, Muninova Holdings's highest Days Payable was 2677.16. The lowest was 285.01. And the median was 1397.83.
AIFLY's Days Payable is ranked better than 94.7% of 302
companies
in the Credit Services industry
Industry Median: 33.455
vs AIFLY: 1680.86
Muninova Holdings's Days Payable
declined
from Dec. 2024 (2,364.93) to Dec. 2025 (1,619.66).
It may suggest that Muninova Holdingsaccelerated paying its suppliers.
The historical data trend for Muninova Holdings'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 Credit Services subindustry, Muninova Holdings'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.
Muninova Holdings Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muninova Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where Muninova Holdings'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.
Muninova Holdings's Days Payable for the fiscal year that ended in Mar. 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.
Muninova Holdings (AIFLY) has a Days Payable of 1,619.66 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Muninova Holdings and its competitors. This is 16% above median its historical median of 1,397.83. Over the past decade, Muninova Holdings' Days Payable has ranged from 285.01 to 2,677.16. According to the industry distribution chart, Muninova Holdings ranks #16 out of 302 companies in the Credit Services industry, placing it in the top 5.3%.
Is Muninova Holdings' Days Payable too high?
Muninova Holdings' current Days Payable of 1,619.66 is 16% above median its 10-year median of 1,397.83. Over the past 10 years, this metric has ranged from a low of 285.01 to a high of 2,677.16. The Credit Services industry median Days Payable is 33.46. Muninova Holdings' value of 1,619.66 is 4741.3% above this industry median. Based on the distribution chart, Muninova Holdings ranks #16 out of 302 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Muninova Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Muninova Holdings ranks #16 out of 302 companies for Days Payable. This places Muninova Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.46. Muninova Holdings' value of 1,619.66 is 4741.3% above this benchmark. Historically, Muninova Holdings' own Days Payable has ranged from 285.01 to 2,677.16 over the past decade. While the company's 10-year median is 1,397.83 vs. the industry median of 33.46, Muninova Holdings 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 Credit Services company?
The median Days Payable among Credit Services companies is 33.46, 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. Muninova Holdings's current Days Payable of 1,619.66 is 4741.3% 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 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 Muninova Holdings and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muninova Holdings's current Days Payable is 1,619.66, which is 16% above median its own 10-year median of 1,397.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current Days Payable of 1,619.66. The stock's GF Value™ is $1.64, compared to a current price of $1.40 — trading 14.6% below its estimated fair value. The current Days Payable is 1,619.66, which is 16% above median its 10-year median of 1,397.83 and 4741.3% above the Credit Services industry median of 33.46. Muninova Holdings' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Muninova Holdings (AIFLY), the current Days Payable is 1,619.66 as of Dec. 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.
Is Muninova Holdings (AIFLY) Overvalued in 2026?
Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued.
The current stock price of $1.40 is trading 14.6% below its estimated GF Value™ of $1.64.
Key valuation signals for AIFLY:
Days Payable: 1,619.66 (16% above median its 10-year median of 1,397.83)
GF Value™: $1.64 vs. price of $1.40 (14.6% below fair value)
Industry Position: 4741.3% above the Credit Services median (#16 of 302)
No single metric tells the full story. See the AIFLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score
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