SG Capital PCLBKK:SGC +3.92%48 Days Payable is 66.71 as of Mar. 2026, which is 71% below its 10-year median of 227.80. GuruFocus rates BKK:SGC with a GF Score™ of 48/100 and a GF Value™ of ฿0.93 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 299 Credit Services companies, SG Capital PCL ranks better than 54.18% on this metric.
The historical rank and industry rank for SG Capital PCL's Days Payable or its related term are showing as below:
BKK:SGC'
s Days Payable Range Over the Past 10 Years
Min: 41.53 Med: 227.8 Max: 722.99
Current: 41.53
During the past 7 years, SG Capital PCL's highest Days Payable was 722.99. The lowest was 41.53. And the median was 227.80.
BKK:SGC's Days Payable is ranked better than 54.18% of 299
companies
in the Credit Services industry
Industry Median: 33.87
vs BKK:SGC: 41.53
SG Capital PCL's Days Payable
declined
from Mar. 2025 (103.37) to Mar. 2026 (66.71).
It may suggest that SG Capital PCLaccelerated paying its suppliers.
SG Capital PCL Days Payable Related Terms
SG Capital PCL Days Payable Historical Data
* Premium members only.
The historical data trend for SG Capital 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, SG Capital 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.
SG Capital PCL Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SG Capital PCL's Days Payable distribution charts can be found below:
* The bar in red indicates where SG Capital 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.
SG Capital 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.
SG Capital PCL (BKK:SGC) has a Days Payable of 66.71 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on SG Capital PCL and its competitors. This is 71% below median its historical median of 227.80. Over the past decade, SG Capital PCL's Days Payable has ranged from 41.53 to 722.99. According to the industry distribution chart, SG Capital PCL ranks #137 out of 299 companies in the Credit Services industry, placing it in the top 45.8%.
Is SG Capital PCL's Days Payable too high?
SG Capital PCL's current Days Payable of 66.71 is 71% below median its 10-year median of 227.80. Over the past 10 years, this metric has ranged from a low of 41.53 to a high of 722.99. The Credit Services industry median Days Payable is 33.87. SG Capital PCL's value of 66.71 is 97% above this industry median. Based on the distribution chart, SG Capital PCL ranks #137 out of 299 companies in the Credit Services industry, which is above the industry midpoint. Overall, SG Capital PCL has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SG Capital PCL's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, SG Capital PCL ranks #137 out of 299 companies for Days Payable. This puts SG Capital PCL in the upper half of its industry. The industry median Days Payable is 33.87. SG Capital PCL's value of 66.71 is 97% above this benchmark. Historically, SG Capital PCL's own Days Payable has ranged from 41.53 to 722.99 over the past decade. While the company's 10-year median is 227.80 vs. the industry median of 33.87, SG Capital 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 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. SG Capital PCL's current Days Payable of 66.71 is 97% 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 SG Capital 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. SG Capital PCL's current Days Payable is 66.71, which is 71% below median its own 10-year median of 227.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SG Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SG Capital PCL (BKK:SGC) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿0.93, compared to a current price of ฿1.59 — trading 71% above its estimated fair value. The current Days Payable is 66.71, which is 71% below median its 10-year median of 227.80 and 97% above the Credit Services industry median of 33.87. SG Capital PCL's overall GF Score™ is 48/100 with 7 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 SG Capital PCL (BKK:SGC), the current Days Payable is 66.71 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 SG Capital PCL (BKK:SGC) Overvalued in 2026?
Based on GuruFocus' analysis, SG Capital PCL stock appears to be overvalued.
The current stock price of ฿1.59 is trading 71% above its estimated GF Value™ of ฿0.93.
GuruFocus considers SG Capital PCL to be Significantly Overvalued.
Key valuation signals for BKK:SGC:
Days Payable: 66.71 (71% below median its 10-year median of 227.80)
GF Value™: ฿0.93 vs. price of ฿1.59 (71% above fair value)
Industry Position: 97% above the Credit Services median (#137 of 299)
No single metric tells the full story. See the BKK:SGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SG Capital PCL is engaged in providing financial services to non-financial institutions. It involves sales by hire purchase contracts of electrical appliances, commercial product, mobile phones and vehicles, and loan receivables and others. The company offers various services such as hire-purchase of electrical appliances and household appliances, commercial appliances and machinery (Captive Finance); and loans with vehicle registration as collateral (trucks, passenger cars, commercial vehicles), debt consolidation welfare loans, and gold installment loans (Click2Gold) under the name SG Capital. The Company is managed and operates principally in Thailand.
48GF Score
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