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AIRA Factoring PCLBKK:AF -2.44%37 Days Payable is 357.88 as of Jun. 2026, which is 12% above its 10-year median of 319.37. GuruFocus rates BKK:AF with a GF Score™ of 37/100 and a GF Value™ of ฿0.53 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 299 Credit Services companies, AIRA Factoring PCL ranks better than 87.63% on this metric.
The historical rank and industry rank for AIRA Factoring PCL's Days Payable or its related term are showing as below:
BKK:AF'
s Days Payable Range Over the Past 10 Years
Min: 224.25 Med: 319.37 Max: 488.05
Current: 336.59
During the past 13 years, AIRA Factoring PCL's highest Days Payable was 488.05. The lowest was 224.25. And the median was 319.37.
BKK:AF's Days Payable is ranked better than 87.63% of 299
companies
in the Credit Services industry
Industry Median: 32.43
vs BKK:AF: 336.59
AIRA Factoring PCL's Days Payable
increased
from Jun. 2025 (282.72) to Jun. 2026 (357.88).
It may suggest that AIRA Factoring PCLdelayed paying its suppliers.
The historical data trend for AIRA Factoring PCL'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, AIRA Factoring PCL'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.
AIRA Factoring PCL Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AIRA Factoring PCL's Days Payable distribution charts can be found below:
* The bar in red indicates where AIRA Factoring PCL'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.
AIRA Factoring PCL'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.
AIRA Factoring PCL (BKK:AF) has a Days Payable of 357.88 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on AIRA Factoring PCL and its competitors. This is 12% above median its historical median of 319.37. Over the past decade, AIRA Factoring PCL's Days Payable has ranged from 224.25 to 488.05. According to the industry distribution chart, AIRA Factoring PCL ranks #37 out of 299 companies in the Credit Services industry, placing it in the top 12.4%.
Is AIRA Factoring PCL's Days Payable too high?
AIRA Factoring PCL's current Days Payable of 357.88 is 12% above median its 10-year median of 319.37. Over the past 10 years, this metric has ranged from a low of 224.25 to a high of 488.05. The Credit Services industry median Days Payable is 32.43. AIRA Factoring PCL's value of 357.88 is 1003.5% above this industry median. Based on the distribution chart, AIRA Factoring PCL ranks #37 out of 299 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, AIRA Factoring PCL has a GF Score™ of 37/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AIRA Factoring PCL's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, AIRA Factoring PCL ranks #37 out of 299 companies for Days Payable. This places AIRA Factoring PCL in the top 12% of its industry — outperforming the majority of peers. The industry median Days Payable is 32.43. AIRA Factoring PCL's value of 357.88 is 1003.5% above this benchmark. Historically, AIRA Factoring PCL's own Days Payable has ranged from 224.25 to 488.05 over the past decade. While the company's 10-year median is 319.37 vs. the industry median of 32.43, AIRA Factoring PCL 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 32.43, based on 299 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. AIRA Factoring PCL's current Days Payable of 357.88 is 1003.5% 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 AIRA Factoring PCL and its competitors. For the Credit Services industry, the median Days Payable is 32.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIRA Factoring PCL's current Days Payable is 357.88, which is 12% above median its own 10-year median of 319.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIRA Factoring PCL stock overvalued right now?
Based on GuruFocus' analysis, AIRA Factoring PCL (BKK:AF) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿0.53, compared to a current price of ฿0.40 — trading 24.5% below its estimated fair value. The current Days Payable is 357.88, which is 12% above median its 10-year median of 319.37 and 1003.5% above the Credit Services industry median of 32.43. AIRA Factoring PCL's overall GF Score™ is 37/100 with 10 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 AIRA Factoring PCL (BKK:AF), the current Days Payable is 357.88 as of Jun. 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 AIRA Factoring PCL (BKK:AF) Overvalued in 2026?
Based on GuruFocus' analysis, AIRA Factoring PCL stock appears to be undervalued.
The current stock price of ฿0.40 is trading 24.5% below its estimated GF Value™ of ฿0.53.
GuruFocus considers AIRA Factoring PCL to be Modestly Undervalued.
Key valuation signals for BKK:AF:
Days Payable: 357.88 (12% above median its 10-year median of 319.37)
GF Value™: ฿0.53 vs. price of ฿0.40 (24.5% below fair value)
Industry Position: 1003.5% above the Credit Services median (#37 of 299)
No single metric tells the full story. See the BKK:AF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIRA Factoring PCL is a Thailand-based company principally engaged in the business of receivable factoring. It provides short-term financing services by transferring creditor's rights or factoring services. Its various service offerings include promissory note loans, e-factoring, supplier financing, long-term loans, and others. The company's main reportable operating segment of the Company is the provision of lending services to SME customers, comprising the factoring business and loan financing. Geographically, the company operates only in Thailand.
37GF Score
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