eGuaranteeEGTIF 98 Days Payable is 12.76 as of Mar. 2026, which is 455% above its 10-year median of 2.30. GuruFocus rates EGTIF with a GF Score™ of 98/100 and a GF Value™ of $12.95. The stock has 3 warning signs investors should review. Among 301 Credit Services companies, eGuarantee ranks worse than 69.77% on this metric.
eGuarantee's average Accounts Payable for the
three
months ended in Mar. 2026 was $0.65 Mil. eGuarantee's Cost of Goods Sold for the
three
months ended in Mar. 2026 was $4.62 Mil.
Hence, eGuarantee's Days Payable for the
three
months ended in Mar. 2026 was 12.76.
The historical rank and industry rank for eGuarantee's Days Payable or its related term are showing as below:
EGTIF'
s Days Payable Range Over the Past 10 Years
Min: 1.25 Med: 2.3 Max: 12.34
Current: 12.34
During the past 13 years, eGuarantee's highest Days Payable was 12.34. The lowest was 1.25. And the median was 2.30.
EGTIF's Days Payable is ranked worse than 69.77% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs EGTIF: 12.34
eGuarantee's Days Payable
increased
from Mar. 2025 (10.65) to Mar. 2026 (12.76).
It may suggest that eGuaranteedelayed paying its suppliers.
eGuarantee Days Payable Related Terms
eGuarantee Days Payable Historical Data
* Premium members only.
The historical data trend for eGuarantee'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, eGuarantee'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.
eGuarantee Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, eGuarantee's Days Payable distribution charts can be found below:
* The bar in red indicates where eGuarantee'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.
eGuarantee's Days Payable for the fiscal year that ended in Mar. 2026 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.
eGuarantee (EGTIF) has a Days Payable of 12.76 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 eGuarantee and its competitors. This is 455% above median its historical median of 2.30. Over the past decade, eGuarantee's Days Payable has ranged from 1.25 to 12.34. According to the industry distribution chart, eGuarantee ranks #210 out of 301 companies in the Credit Services industry, placing it in the top 69.8%.
Is eGuarantee's Days Payable too high?
eGuarantee's current Days Payable of 12.76 is 455% above median its 10-year median of 2.30. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 12.34. The Credit Services industry median Days Payable is 33.87. eGuarantee's value of 12.76 is 62.3% below this industry median. Based on the distribution chart, eGuarantee ranks #210 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, eGuarantee has a GF Score™ of 98/100, reflecting its overall financial health beyond just this single metric.
How does eGuarantee's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, eGuarantee ranks #210 out of 301 companies for Days Payable. This places eGuarantee in the lower half of its industry. The industry median Days Payable is 33.87. eGuarantee's value of 12.76 is 62.3% below this benchmark. Historically, eGuarantee's own Days Payable has ranged from 1.25 to 12.34 over the past decade. While the company's 10-year median is 2.30 vs. the industry median of 33.87, eGuarantee has consistently been below 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. eGuarantee's current Days Payable of 12.76 is 62.3% below 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 eGuarantee 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. eGuarantee's current Days Payable is 12.76, which is 455% above median its own 10-year median of 2.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is eGuarantee stock overvalued right now?
eGuarantee (EGTIF) has a current Days Payable of 12.76. The stock's GF Value™ is $12.95, compared to a current price of $11.15 — trading 13.9% below its estimated fair value. The current Days Payable is 12.76, which is 455% above median its 10-year median of 2.30 and 62.3% below the Credit Services industry median of 33.87. eGuarantee's overall GF Score™ is 98/100 with 3 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 eGuarantee (EGTIF), the current Days Payable is 12.76 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 eGuarantee (EGTIF) Overvalued in 2026?
Based on GuruFocus' analysis, eGuarantee stock appears to be undervalued.
The current stock price of $11.15 is trading 13.9% below its estimated GF Value™ of $12.95.
Key valuation signals for EGTIF:
Days Payable: 12.76 (455% above median its 10-year median of 2.30)
GF Value™: $12.95 vs. price of $11.15 (13.9% below fair value)
Industry Position: 62.3% below the Credit Services median (#210 of 301)
No single metric tells the full story. See the EGTIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
eGuarantee Inc provides services to undertake credit risks that arise in the various business transaction. The company's services include Guarantee services against sales credit, Guarantee services against contractor credit, Guarantee services by debtor's trust, and Guarantee services against a variety of credit.
98GF Score
Get the complete analysis for EGTIF
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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