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Jianpu TechnologyAIJTY -2.80%37 Days Payable is 71.75 as of Dec. 2025, which is 1% above its 10-year median of 71.31. GuruFocus rates AIJTY with a GF Score™ of 37/100 and a GF Value™ of $0.83 (Fairly Valued). The stock has 3 warning signs investors should review. Among 303 Credit Services companies, Jianpu Technology ranks better than 61.06% on this metric.
The historical rank and industry rank for Jianpu Technology's Days Payable or its related term are showing as below:
AIJTY'
s Days Payable Range Over the Past 10 Years
Min: 47.53 Med: 71.31 Max: 362.88
Current: 60.35
During the past 11 years, Jianpu Technology's highest Days Payable was 362.88. The lowest was 47.53. And the median was 71.31.
AIJTY's Days Payable is ranked better than 61.06% of 303
companies
in the Credit Services industry
Industry Median: 32.75
vs AIJTY: 60.35
Jianpu Technology's Days Payable
increased
from Dec. 2024 (54.18) to Dec. 2025 (71.75).
It may suggest that Jianpu Technologydelayed paying its suppliers.
The historical data trend for Jianpu Technology'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, Jianpu Technology'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.
Jianpu Technology Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jianpu Technology's Days Payable distribution charts can be found below:
* The bar in red indicates where Jianpu Technology'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.
Jianpu Technology's Days Payable for the fiscal year that ended in Dec. 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.
Jianpu Technology (AIJTY) has a Days Payable of 71.75 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 Jianpu Technology and its competitors. This is near median its historical median of 71.31. Over the past decade, Jianpu Technology's Days Payable has ranged from 47.53 to 362.88. According to the industry distribution chart, Jianpu Technology ranks #118 out of 303 companies in the Credit Services industry, placing it in the top 38.9%.
Is Jianpu Technology's Days Payable too high?
Jianpu Technology's current Days Payable of 71.75 is near median its 10-year median of 71.31. Over the past 10 years, this metric has ranged from a low of 47.53 to a high of 362.88. The Credit Services industry median Days Payable is 32.75. Jianpu Technology's value of 71.75 is 119.1% above this industry median. Based on the distribution chart, Jianpu Technology ranks #118 out of 303 companies in the Credit Services industry, which is above the industry midpoint. Overall, Jianpu Technology has a GF Score™ of 37/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jianpu Technology's Days Payable compare to JF and SPST?
According to the Credit Services industry distribution chart, Jianpu Technology ranks #118 out of 303 companies for Days Payable. This puts Jianpu Technology in the upper half of its industry. The industry median Days Payable is 32.75. Jianpu Technology's value of 71.75 is 119.1% above this benchmark. Historically, Jianpu Technology's own Days Payable has ranged from 47.53 to 362.88 over the past decade. While the company's 10-year median is 71.31 vs. the industry median of 32.75, Jianpu Technology 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 32.75, based on 303 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. Jianpu Technology's current Days Payable of 71.75 is 119.1% 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 Jianpu Technology and its competitors. For the Credit Services industry, the median Days Payable is 32.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jianpu Technology's current Days Payable is 71.75, which is near median its own 10-year median of 71.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jianpu Technology stock overvalued right now?
Based on GuruFocus' analysis, Jianpu Technology (AIJTY) is currently considered Fairly Valued. The stock's GF Value™ is $0.83, compared to a current price of $0.90 — trading 8.4% above its estimated fair value. The current Days Payable is 71.75, which is near median its 10-year median of 71.31 and 119.1% above the Credit Services industry median of 32.75. Jianpu Technology's overall GF Score™ is 37/100 with 3 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 Jianpu Technology (AIJTY), the current Days Payable is 71.75 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 Jianpu Technology (AIJTY) Overvalued in 2026?
Based on GuruFocus' analysis, Jianpu Technology stock appears to be overvalued.
The current stock price of $0.90 is trading 8.4% above its estimated GF Value™ of $0.83.
GuruFocus considers Jianpu Technology to be Fairly Valued.
Key valuation signals for AIJTY:
Days Payable: 71.75 (near median its 10-year median of 71.31)
GF Value™: $0.83 vs. price of $0.90 (8.4% above fair value)
Industry Position: 119.1% above the Credit Services median (#118 of 303)
No single metric tells the full story. See the AIJTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jianpu Technology Inc is an independent open platform for providing online discovery and recommendation services for financial products in China. The company provides users with personalized search results and recommendations services such as loan applications, credit card services, and advertising and marketing services to its financial needs and credit profile. The individual users have access to financial products through the platform, including credit cards, and wealth management products. In addition, it also offers data risk management solutions to financial service providers which help in application approval, fraud detection and prevention, and other credit underwriting processes.
37GF Score
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