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PT Buana Finance TbkISX:BBLD +1.87%58 Days Payable is 19.49 as of Mar. 2026, which is 33% below its 10-year median of 28.89. GuruFocus rates ISX:BBLD with a GF Score™ of 58/100 and a GF Value™ of Rp831.64 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 300 Credit Services companies, PT Buana Finance Tbk ranks worse than 51.33% on this metric.
The historical rank and industry rank for PT Buana Finance Tbk's Days Payable or its related term are showing as below:
ISX:BBLD'
s Days Payable Range Over the Past 10 Years
Min: 17.72 Med: 28.89 Max: 84.56
Current: 31.55
During the past 13 years, PT Buana Finance Tbk's highest Days Payable was 84.56. The lowest was 17.72. And the median was 28.89.
ISX:BBLD's Days Payable is ranked worse than 51.33% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs ISX:BBLD: 31.55
PT Buana Finance Tbk's Days Payable
declined
from Mar. 2025 (31.02) to Mar. 2026 (19.49).
It may suggest that PT Buana Finance Tbkaccelerated paying its suppliers.
PT Buana Finance Tbk Days Payable Related Terms
PT Buana Finance Tbk Days Payable Historical Data
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The historical data trend for PT Buana Finance Tbk'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, PT Buana Finance Tbk'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.
PT Buana Finance Tbk Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Buana Finance Tbk's Days Payable distribution charts can be found below:
* The bar in red indicates where PT Buana Finance Tbk'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.
PT Buana Finance Tbk'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.
PT Buana Finance Tbk (ISX:BBLD) has a Days Payable of 19.49 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 PT Buana Finance Tbk and its competitors. This is 33% below median its historical median of 28.89. Over the past decade, PT Buana Finance Tbk's Days Payable has ranged from 17.72 to 84.56. According to the industry distribution chart, PT Buana Finance Tbk ranks #154 out of 300 companies in the Credit Services industry, placing it in the top 51.3%.
Is PT Buana Finance Tbk's Days Payable too high?
PT Buana Finance Tbk's current Days Payable of 19.49 is 33% below median its 10-year median of 28.89. Over the past 10 years, this metric has ranged from a low of 17.72 to a high of 84.56. The Credit Services industry median Days Payable is 33.41. PT Buana Finance Tbk's value of 19.49 is 41.7% below this industry median. Based on the distribution chart, PT Buana Finance Tbk ranks #154 out of 300 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Buana Finance Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Buana Finance Tbk's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, PT Buana Finance Tbk ranks #154 out of 300 companies for Days Payable. This places PT Buana Finance Tbk in the lower half of its industry. The industry median Days Payable is 33.41. PT Buana Finance Tbk's value of 19.49 is 41.7% below this benchmark. Historically, PT Buana Finance Tbk's own Days Payable has ranged from 17.72 to 84.56 over the past decade. While the company's 10-year median is 28.89 vs. the industry median of 33.41, PT Buana Finance Tbk 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 33.41, 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. PT Buana Finance Tbk's current Days Payable of 19.49 is 41.7% 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 PT Buana Finance Tbk 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. PT Buana Finance Tbk's current Days Payable is 19.49, which is 33% below median its own 10-year median of 28.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Buana Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Buana Finance Tbk (ISX:BBLD) is currently considered Possible Value Trap. The stock's GF Value™ is Rp831.64, compared to a current price of Rp545.00 — trading 34.5% below its estimated fair value. The current Days Payable is 19.49, which is 33% below median its 10-year median of 28.89 and 41.7% below the Credit Services industry median of 33.41. PT Buana Finance Tbk's overall GF Score™ is 58/100 with 7 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 PT Buana Finance Tbk (ISX:BBLD), the current Days Payable is 19.49 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 PT Buana Finance Tbk (ISX:BBLD) Overvalued in 2026?
Based on GuruFocus' analysis, PT Buana Finance Tbk stock appears to be undervalued.
The current stock price of Rp545.00 is trading 34.5% below its estimated GF Value™ of Rp831.64.
GuruFocus considers PT Buana Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:BBLD:
Days Payable: 19.49 (33% below median its 10-year median of 28.89)
GF Value™: Rp831.64 vs. price of Rp545.00 (34.5% below fair value)
Industry Position: 41.7% below the Credit Services median (#154 of 300)
No single metric tells the full story. See the ISX:BBLD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressJalan Prof. Dr. Satrio Kav. 11, Lantai 38, Unit A-F, Office Tower, Ciputra World 2, Karet Semanggi, Setiabudi, South Jakarta, Jakarta, IDN, 12950
PT Buana Finance Tbk is engaged in Investment Financing, Working Capital Financing, Multipurpose Financing, other financing business activities subject to OJK approval, and other supporting business activities. Its Investment Financing activities include Financial Lease, Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Installment Financing, Project Financing,. Infrastructure Financing; Working Capital Financing includes Sale and Lease Back, Factoring with Recourse, Factoring without Recourse, Working Capital Facility. The company's operating segments represent the product types: finance lease and consumer financing.
58GF Score
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