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Ratchthani Leasing PCLBKK:THANI 54 Days Payable is 47.46 as of Mar. 2026, which is 7% below its 10-year median of 50.78. GuruFocus rates BKK:THANI with a GF Score™ of 54/100 and a GF Value™ of ฿1.60 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 300 Credit Services companies, Ratchthani Leasing PCL ranks better than 57.33% on this metric.
* 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, Ratchthani 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.
Ratchthani Leasing PCL Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ratchthani Leasing PCL's Days Payable distribution charts can be found below:
* The bar in red indicates where Ratchthani 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.
Ratchthani 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.
Ratchthani Leasing PCL (BKK:THANI) has a Days Payable of 47.46 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 Ratchthani Leasing PCL and its competitors. This is near median its historical median of 50.78. Over the past decade, Ratchthani Leasing PCL's Days Payable has ranged from 41.83 to 61.51. According to the industry distribution chart, Ratchthani Leasing PCL ranks #128 out of 300 companies in the Credit Services industry, placing it in the top 42.7%.
Is Ratchthani Leasing PCL's Days Payable too high?
Ratchthani Leasing PCL's current Days Payable of 47.46 is near median its 10-year median of 50.78. Over the past 10 years, this metric has ranged from a low of 41.83 to a high of 61.51. The Credit Services industry median Days Payable is 33.41. Ratchthani Leasing PCL's value of 47.46 is 42.1% above this industry median. Based on the distribution chart, Ratchthani Leasing PCL ranks #128 out of 300 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ratchthani Leasing PCL has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ratchthani Leasing PCL's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Ratchthani Leasing PCL ranks #128 out of 300 companies for Days Payable. This puts Ratchthani Leasing PCL in the upper half of its industry. The industry median Days Payable is 33.41. Ratchthani Leasing PCL's value of 47.46 is 42.1% above this benchmark. Historically, Ratchthani Leasing PCL's own Days Payable has ranged from 41.83 to 61.51 over the past decade. While the company's 10-year median is 50.78 vs. the industry median of 33.41, Ratchthani 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 33.41, based on 300 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. Ratchthani Leasing PCL's current Days Payable of 47.46 is 42.1% 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 Ratchthani Leasing PCL and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ratchthani Leasing PCL's current Days Payable is 47.46, which is near median its own 10-year median of 50.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ratchthani Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Ratchthani Leasing PCL (BKK:THANI) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿1.60, compared to a current price of ฿2.14 — trading 33.8% above its estimated fair value. The current Days Payable is 47.46, which is near median its 10-year median of 50.78 and 42.1% above the Credit Services industry median of 33.41. Ratchthani Leasing PCL's overall GF Score™ is 54/100 with 8 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 Ratchthani Leasing PCL (BKK:THANI), the current Days Payable is 47.46 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 Ratchthani Leasing PCL (BKK:THANI) Overvalued in 2026?
Based on GuruFocus' analysis, Ratchthani Leasing PCL stock appears to be overvalued.
The current stock price of ฿2.14 is trading 33.8% above its estimated GF Value™ of ฿1.60.
GuruFocus considers Ratchthani Leasing PCL to be Significantly Overvalued.
Key valuation signals for BKK:THANI:
Days Payable: 47.46 (near median its 10-year median of 50.78)
GF Value™: ฿1.60 vs. price of ฿2.14 (33.8% above fair value)
Industry Position: 42.1% above the Credit Services median (#128 of 300)
No single metric tells the full story. See the BKK:THANI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ratchthani Leasing PCL is engaged in providing financial services specifically hire-purchase and leasing. It conducts business by providing hire-purchase credit services and financial leasing services for commercial cars, vehicles, and other assets, including one-stop relevant services. The company's business consists of primary activities, including inbound logistics management, operations, outbound logistics, marketing and sales, and customer services.
54GF Score
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