Micro Leasing PCLBKK:MICRO -1.04%80 Days Payable is 156.75 as of Dec. 2025, which is 19% above its 10-year median of 131.98. GuruFocus rates BKK:MICRO with a GF Score™ of 80/100 and a GF Value™ of ฿1.10 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 301 Credit Services companies, Micro Leasing PCL ranks better than 77.41% on this metric.
The historical rank and industry rank for Micro Leasing PCL's Days Payable or its related term are showing as below:
BKK:MICRO'
s Days Payable Range Over the Past 10 Years
Min: 1.86 Med: 131.98 Max: 304.09
Current: 151.91
During the past 8 years, Micro Leasing PCL's highest Days Payable was 304.09. The lowest was 1.86. And the median was 131.98.
BKK:MICRO's Days Payable is ranked better than 77.41% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs BKK:MICRO: 151.91
Micro Leasing PCL's Days Payable
increased
from Dec. 2024 (90.98) to Dec. 2025 (156.75).
It may suggest that Micro Leasing PCLdelayed paying its suppliers.
Micro Leasing PCL Days Payable Related Terms
Micro Leasing PCL Days Payable Historical Data
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The historical data trend for Micro Leasing 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, Micro Leasing 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.
Micro Leasing PCL Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Micro Leasing PCL's Days Payable distribution charts can be found below:
* The bar in red indicates where Micro Leasing 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.
Micro Leasing 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.
Micro Leasing PCL (BKK:MICRO) has a Days Payable of 156.75 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 Micro Leasing PCL and its competitors. This is 19% above median its historical median of 131.98. Over the past decade, Micro Leasing PCL's Days Payable has ranged from 1.86 to 304.09. According to the industry distribution chart, Micro Leasing PCL ranks #68 out of 301 companies in the Credit Services industry, placing it in the top 22.6%.
Is Micro Leasing PCL's Days Payable too high?
Micro Leasing PCL's current Days Payable of 156.75 is 19% above median its 10-year median of 131.98. Over the past 10 years, this metric has ranged from a low of 1.86 to a high of 304.09. The Credit Services industry median Days Payable is 33.87. Micro Leasing PCL's value of 156.75 is 362.8% above this industry median. Based on the distribution chart, Micro Leasing PCL ranks #68 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Micro Leasing PCL has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Micro Leasing PCL's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Micro Leasing PCL ranks #68 out of 301 companies for Days Payable. This places Micro Leasing PCL in the top 23% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Micro Leasing PCL's value of 156.75 is 362.8% above this benchmark. Historically, Micro Leasing PCL's own Days Payable has ranged from 1.86 to 304.09 over the past decade. While the company's 10-year median is 131.98 vs. the industry median of 33.87, Micro Leasing 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 33.87, based on 301 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. Micro Leasing PCL's current Days Payable of 156.75 is 362.8% 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 Micro Leasing PCL and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Micro Leasing PCL's current Days Payable is 156.75, which is 19% above median its own 10-year median of 131.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Micro Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Micro Leasing PCL (BKK:MICRO) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿1.10, compared to a current price of ฿0.95 — trading 13.6% below its estimated fair value. The current Days Payable is 156.75, which is 19% above median its 10-year median of 131.98 and 362.8% above the Credit Services industry median of 33.87. Micro Leasing PCL's overall GF Score™ is 80/100 with 9 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 Micro Leasing PCL (BKK:MICRO), the current Days Payable is 156.75 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 Micro Leasing PCL (BKK:MICRO) Overvalued in 2026?
Based on GuruFocus' analysis, Micro Leasing PCL stock appears to be undervalued.
The current stock price of ฿0.95 is trading 13.6% below its estimated GF Value™ of ฿1.10.
GuruFocus considers Micro Leasing PCL to be Modestly Undervalued.
Key valuation signals for BKK:MICRO:
Days Payable: 156.75 (19% above median its 10-year median of 131.98)
GF Value™: ฿1.10 vs. price of ฿0.95 (13.6% below fair value)
Industry Position: 362.8% above the Credit Services median (#68 of 301)
No single metric tells the full story. See the BKK:MICRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Micro Leasing PCL is engaged in the business of providing hire purchase loans for used trucks, such as six-wheel, ten-wheel, and motorcycles. The Group's operations involves operating segments which are hire purchase of trucks business, hire purchase of motorcycles business; insurance brokerage business and personal loan business. The company carries its operations in Thailand. It generates majority of its revenue from Hire purchase of trucks business.
80GF Score
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