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QNB Finansal Kiralama ASIST:QNBFK +2.81%49 Days Payable is 136.59 as of Mar. 2026, which is 22% below its 10-year median of 176.24. GuruFocus rates IST:QNBFK with a GF Score™ of 49/100 and a GF Value™ of ₺58.62 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 300 Credit Services companies, QNB Finansal Kiralama AS ranks better than 74.33% 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, QNB Finansal Kiralama AS'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.
QNB Finansal Kiralama AS Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, QNB Finansal Kiralama AS's Days Payable distribution charts can be found below:
* The bar in red indicates where QNB Finansal Kiralama AS'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.
QNB Finansal Kiralama AS'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.
QNB Finansal Kiralama AS (IST:QNBFK) has a Days Payable of 136.59 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 QNB Finansal Kiralama AS and its competitors. This is 22% below median its historical median of 176.24. Over the past decade, QNB Finansal Kiralama AS's Days Payable has ranged from 79.16 to 328.98. According to the industry distribution chart, QNB Finansal Kiralama AS ranks #77 out of 300 companies in the Credit Services industry, placing it in the top 25.7%.
Is QNB Finansal Kiralama AS's Days Payable too high?
QNB Finansal Kiralama AS's current Days Payable of 136.59 is 22% below median its 10-year median of 176.24. Over the past 10 years, this metric has ranged from a low of 79.16 to a high of 328.98. The Credit Services industry median Days Payable is 33.41. QNB Finansal Kiralama AS's value of 136.59 is 308.9% above this industry median. Based on the distribution chart, QNB Finansal Kiralama AS ranks #77 out of 300 companies in the Credit Services industry, which is above the industry midpoint. Overall, QNB Finansal Kiralama AS has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does QNB Finansal Kiralama AS's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, QNB Finansal Kiralama AS ranks #77 out of 300 companies for Days Payable. This puts QNB Finansal Kiralama AS in the upper half of its industry. The industry median Days Payable is 33.41. QNB Finansal Kiralama AS's value of 136.59 is 308.9% above this benchmark. Historically, QNB Finansal Kiralama AS's own Days Payable has ranged from 79.16 to 328.98 over the past decade. While the company's 10-year median is 176.24 vs. the industry median of 33.41, QNB Finansal Kiralama AS 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. QNB Finansal Kiralama AS's current Days Payable of 136.59 is 308.9% 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 QNB Finansal Kiralama AS 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. QNB Finansal Kiralama AS's current Days Payable is 136.59, which is 22% below median its own 10-year median of 176.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is QNB Finansal Kiralama AS stock overvalued right now?
Based on GuruFocus' analysis, QNB Finansal Kiralama AS (IST:QNBFK) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺58.62, compared to a current price of ₺48.32 — trading 17.6% below its estimated fair value. The current Days Payable is 136.59, which is 22% below median its 10-year median of 176.24 and 308.9% above the Credit Services industry median of 33.41. QNB Finansal Kiralama AS's overall GF Score™ is 49/100 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 QNB Finansal Kiralama AS (IST:QNBFK), the current Days Payable is 136.59 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 QNB Finansal Kiralama AS (IST:QNBFK) Overvalued in 2026?
Based on GuruFocus' analysis, QNB Finansal Kiralama AS stock appears to be undervalued.
The current stock price of ₺48.32 is trading 17.6% below its estimated GF Value™ of ₺58.62.
GuruFocus considers QNB Finansal Kiralama AS to be Modestly Undervalued.
Key valuation signals for IST:QNBFK:
Days Payable: 136.59 (22% below median its 10-year median of 176.24)
GF Value™: ₺58.62 vs. price of ₺48.32 (17.6% below fair value)
Industry Position: 308.9% above the Credit Services median (#77 of 300)
No single metric tells the full story. See the IST:QNBFK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
QNB Finansal Kiralama AS formerly QNB Finans Finansal Kiralama AS is a Turkey-based company involved in providing leasing services to Wind Turbines & Solar Power Plants, Heavy Machinery, Automobiles, Medical Equipment, Agricultural Equipment, and Printing Equipment among others.
49GF Score
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