ECN CapitalECNCF +0.40%46 Days Payable is 70.00 as of Dec. 2025, which is 66% below its 10-year median of 206.78. GuruFocus rates ECNCF with a GF Score™ of 46/100 and a GF Value™ of $2.41. The stock has 6 warning signs investors should review. Among 33 Banks companies, ECN Capital ranks better than 72.73% on this metric.
The historical rank and industry rank for ECN Capital's Days Payable or its related term are showing as below:
ECNCF'
s Days Payable Range Over the Past 10 Years
Min: 22.49 Med: 206.78 Max: 554.39
Current: 64.89
During the past 13 years, ECN Capital's highest Days Payable was 554.39. The lowest was 22.49. And the median was 206.78.
ECNCF's Days Payable is ranked better than 72.73% of 33
companies
in the Banks industry
Industry Median: 32.94
vs ECNCF: 64.89
ECN Capital's Days Payable
increased
from Dec. 2024 (51.23) to Dec. 2025 (70.00).
It may suggest that ECN Capitaldelayed paying its suppliers.
ECN Capital Days Payable Related Terms
ECN Capital Days Payable Historical Data
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The historical data trend for ECN Capital'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 Mortgage Finance subindustry, ECN Capital'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.
ECN Capital Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, ECN Capital's Days Payable distribution charts can be found below:
* The bar in red indicates where ECN Capital'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.
ECN Capital'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.
ECN Capital (ECNCF) has a Days Payable of 70.00 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 ECN Capital and its competitors. This is 66% below median its historical median of 206.78. Over the past decade, ECN Capital's Days Payable has ranged from 22.49 to 554.39. According to the industry distribution chart, ECN Capital ranks #9 out of 33 companies in the Banks industry, placing it in the top 27.3%.
Is ECN Capital's Days Payable too high?
ECN Capital's current Days Payable of 70.00 is 66% below median its 10-year median of 206.78. Over the past 10 years, this metric has ranged from a low of 22.49 to a high of 554.39. The Banks industry median Days Payable is 32.94. ECN Capital's value of 70.00 is 112.5% above this industry median. Based on the distribution chart, ECN Capital ranks #9 out of 33 companies in the Banks industry, which is above the industry midpoint. Overall, ECN Capital has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does ECN Capital's Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, ECN Capital ranks #9 out of 33 companies for Days Payable. This puts ECN Capital in the upper half of its industry. The industry median Days Payable is 32.94. ECN Capital's value of 70.00 is 112.5% above this benchmark. Historically, ECN Capital's own Days Payable has ranged from 22.49 to 554.39 over the past decade. While the company's 10-year median is 206.78 vs. the industry median of 32.94, ECN Capital 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 Banks company?
The median Days Payable among Banks companies is 32.94, based on 33 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. ECN Capital's current Days Payable of 70.00 is 112.5% 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 ECN Capital and its competitors. For the Banks industry, the median Days Payable is 32.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECN Capital's current Days Payable is 70.00, which is 66% below median its own 10-year median of 206.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECN Capital stock overvalued right now?
ECN Capital (ECNCF) has a current Days Payable of 70.00. The stock's GF Value™ is $2.41, compared to a current price of $2.26 — trading 6.2% below its estimated fair value. The current Days Payable is 70.00, which is 66% below median its 10-year median of 206.78 and 112.5% above the Banks industry median of 32.94. ECN Capital's overall GF Score™ is 46/100 with 6 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 ECN Capital (ECNCF), the current Days Payable is 70.00 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 ECN Capital (ECNCF) Overvalued in 2026?
Based on GuruFocus' analysis, ECN Capital stock appears to be undervalued.
The current stock price of $2.26 is trading 6.2% below its estimated GF Value™ of $2.41.
Key valuation signals for ECNCF:
Days Payable: 70.00 (66% below median its 10-year median of 206.78)
GF Value™: $2.41 vs. price of $2.26 (6.2% below fair value)
Industry Position: 112.5% above the Banks median (#9 of 33)
No single metric tells the full story. See the ECNCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ECN Capital Corp is a financial business service provider. The group originates, manages, and advises on credit assets on behalf of its partners, specifically consumer loans and commercial loans. Its operating segments are: Manufactured Housing Finance and Recreational Vehicle and Marine (RV and Marine) Finance. The group generates maximum revenue from the Manufactured Housing Finance segment.
46GF Score
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