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Haosen Fintech GroupHKSE:03848 +2.91%53 Days Payable is 156.18 as of Dec. 2025, which is 81% above its 10-year median of 86.37. GuruFocus rates HKSE:03848 with a GF Score™ of 53/100 and a GF Value™ of HK$0.88 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 300 Credit Services companies, Haosen Fintech Group ranks better than 64% on this metric.
The historical rank and industry rank for Haosen Fintech Group's Days Payable or its related term are showing as below:
HKSE:03848'
s Days Payable Range Over the Past 10 Years
Min: 14.58 Med: 86.37 Max: 219.87
Current: 69.59
During the past 12 years, Haosen Fintech Group's highest Days Payable was 219.87. The lowest was 14.58. And the median was 86.37.
HKSE:03848's Days Payable is ranked better than 64% of 300
companies
in the Credit Services industry
Industry Median: 32.14
vs HKSE:03848: 69.59
Haosen Fintech Group's Days Payable
increased
from Dec. 2024 (31.10) to Dec. 2025 (156.18).
It may suggest that Haosen Fintech Groupdelayed paying its suppliers.
The historical data trend for Haosen Fintech Group'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, Haosen Fintech Group'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.
Haosen Fintech Group Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Haosen Fintech Group's Days Payable distribution charts can be found below:
* The bar in red indicates where Haosen Fintech Group'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.
Haosen Fintech Group'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.
Haosen Fintech Group (HKSE:03848) has a Days Payable of 156.18 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 Haosen Fintech Group and its competitors. This is 81% above median its historical median of 86.37. Over the past decade, Haosen Fintech Group's Days Payable has ranged from 14.58 to 219.87. According to the industry distribution chart, Haosen Fintech Group ranks #108 out of 300 companies in the Credit Services industry, placing it in the top 36%.
Is Haosen Fintech Group's Days Payable too high?
Haosen Fintech Group's current Days Payable of 156.18 is 81% above median its 10-year median of 86.37. Over the past 10 years, this metric has ranged from a low of 14.58 to a high of 219.87. The Credit Services industry median Days Payable is 32.14. Haosen Fintech Group's value of 156.18 is 385.9% above this industry median. Based on the distribution chart, Haosen Fintech Group ranks #108 out of 300 companies in the Credit Services industry, which is above the industry midpoint. Overall, Haosen Fintech Group has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Haosen Fintech Group's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Haosen Fintech Group ranks #108 out of 300 companies for Days Payable. This puts Haosen Fintech Group in the upper half of its industry. The industry median Days Payable is 32.14. Haosen Fintech Group's value of 156.18 is 385.9% above this benchmark. Historically, Haosen Fintech Group's own Days Payable has ranged from 14.58 to 219.87 over the past decade. While the company's 10-year median is 86.37 vs. the industry median of 32.14, Haosen Fintech Group 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 32.14, 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. Haosen Fintech Group's current Days Payable of 156.18 is 385.9% 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 Haosen Fintech Group and its competitors. For the Credit Services industry, the median Days Payable is 32.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Haosen Fintech Group's current Days Payable is 156.18, which is 81% above median its own 10-year median of 86.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Haosen Fintech Group stock overvalued right now?
Based on GuruFocus' analysis, Haosen Fintech Group (HKSE:03848) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.88, compared to a current price of HK$2.12 — trading 140.9% above its estimated fair value. The current Days Payable is 156.18, which is 81% above median its 10-year median of 86.37 and 385.9% above the Credit Services industry median of 32.14. Haosen Fintech Group's overall GF Score™ is 53/100 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 Haosen Fintech Group (HKSE:03848), the current Days Payable is 156.18 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 Haosen Fintech Group (HKSE:03848) Overvalued in 2026?
Based on GuruFocus' analysis, Haosen Fintech Group stock appears to be overvalued.
The current stock price of HK$2.12 is trading 140.9% above its estimated GF Value™ of HK$0.88.
GuruFocus considers Haosen Fintech Group to be Significantly Overvalued.
Key valuation signals for HKSE:03848:
Days Payable: 156.18 (81% above median its 10-year median of 86.37)
GF Value™: HK$0.88 vs. price of HK$2.12 (140.9% above fair value)
Industry Position: 385.9% above the Credit Services median (#108 of 300)
No single metric tells the full story. See the HKSE:03848 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Haosen Fintech Group Ltd is engaged in the provision of small loans and related loan facilitation services in the PRC; and provision of investment management and advisory services, securities dealing and broking services, and other financial services in Hong Kong. Its segment includes Finance lease and factoring related services; Microcredit and loan facilitation related services; & Securities dealing and broking, and other financial services. It generates the majority of its revenue from the Microcredit and loan facilitation-related services segment, which includes the provision of (a) micro-credit and subordinated mortgage to individuals and corporates; and (b) post-loan facilitation-related services in the PRC. Geographically, the company derives a majority of its revenue from the PRC.
53GF Score
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