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XXF Group HoldingsHKSE:02473 -12.90%39 Days Payable is 7.66 as of Dec. 2025, which is 79% below its 10-year median of 36.52. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 8 warning signs investors should review. Among 301 Credit Services companies, XXF Group Holdings ranks worse than 68.11% on this metric.
The historical rank and industry rank for XXF Group Holdings's Days Payable or its related term are showing as below:
HKSE:02473'
s Days Payable Range Over the Past 10 Years
Min: 13.14 Med: 36.52 Max: 50.22
Current: 13.14
During the past 6 years, XXF Group Holdings's highest Days Payable was 50.22. The lowest was 13.14. And the median was 36.52.
HKSE:02473's Days Payable is ranked worse than 68.11% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs HKSE:02473: 13.14
XXF Group Holdings's Days Payable
declined
from Dec. 2024 (21.42) to Dec. 2025 (7.66).
It may suggest that XXF Group Holdingsaccelerated paying its suppliers.
XXF Group Holdings Days Payable Related Terms
XXF Group Holdings Days Payable Historical Data
* Premium members only.
The historical data trend for XXF Group Holdings'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, XXF Group Holdings'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.
XXF Group Holdings Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where XXF Group Holdings'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.
XXF Group Holdings'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.
XXF Group Holdings (HKSE:02473) has a Days Payable of 7.66 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 XXF Group Holdings and its competitors. This is 79% below median its historical median of 36.52. Over the past decade, XXF Group Holdings' Days Payable has ranged from 13.14 to 50.22. According to the industry distribution chart, XXF Group Holdings ranks #205 out of 301 companies in the Credit Services industry, placing it in the top 68.1%.
Is XXF Group Holdings' Days Payable too high?
XXF Group Holdings' current Days Payable of 7.66 is 79% below median its 10-year median of 36.52. Over the past 10 years, this metric has ranged from a low of 13.14 to a high of 50.22. The Credit Services industry median Days Payable is 33.87. XXF Group Holdings' value of 7.66 is 77.4% below this industry median. Based on the distribution chart, XXF Group Holdings ranks #205 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, XXF Group Holdings has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does XXF Group Holdings' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #205 out of 301 companies for Days Payable. This places XXF Group Holdings in the lower half of its industry. The industry median Days Payable is 33.87. XXF Group Holdings' value of 7.66 is 77.4% below this benchmark. Historically, XXF Group Holdings' own Days Payable has ranged from 13.14 to 50.22 over the past decade. While the company's 10-year median is 36.52 vs. the industry median of 33.87, XXF Group Holdings 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. XXF Group Holdings's current Days Payable of 7.66 is 77.4% 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 XXF Group Holdings 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. XXF Group Holdings's current Days Payable is 7.66, which is 79% below median its own 10-year median of 36.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XXF Group Holdings stock overvalued right now?
XXF Group Holdings (HKSE:02473) has a current Days Payable of 7.66. The current Days Payable is 7.66, which is 79% below median its 10-year median of 36.52 and 77.4% below the Credit Services industry median of 33.87. XXF Group Holdings' overall GF Score™ is 39/100 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 XXF Group Holdings (HKSE:02473), the current Days Payable is 7.66 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.
XXF Group Holdings Ltd is an established automobile retailer providing automobile finance lease service through its self-operated sales outlets in the PRC. The Group's principal businesses comprise automobile retail and finance, where it sells non-luxury automobiles mostly on direct finance lease; and automobile-related businesses, where it principally offers automobile operating lease service and other automobile-related services, and (iii) an outright car sales business, where it sells cars on a one-off basis. The Group's revenue is mainly derived from customers in the PRC.
39GF Score
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