* 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 Clipan Finance Indonesia Tbk Days Payable Chart
For the Credit Services subindustry, PT Clipan Finance Indonesia 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 Clipan Finance Indonesia Tbk Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT Clipan Finance Indonesia Tbk's Days Payable distribution charts can be found below:
* The bar in red indicates where PT Clipan Finance Indonesia Tbk's Days Payable falls into.
PT Clipan Finance Indonesia Tbk Days Payable Calculation
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.
* 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 Clipan Finance Indonesia Tbk (ISX:CFIN) has a Days Payable of 27.46 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 Clipan Finance Indonesia Tbk and its competitors. This is 18% below median its historical median of 33.52. Over the past decade, PT Clipan Finance Indonesia Tbk's Days Payable has ranged from 10.49 to 88.89. According to the industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #170 out of 301 companies in the Credit Services industry, placing it in the top 56.5%.
Is PT Clipan Finance Indonesia Tbk's Days Payable too high?
PT Clipan Finance Indonesia Tbk's current Days Payable of 27.46 is 18% below median its 10-year median of 33.52. Over the past 10 years, this metric has ranged from a low of 10.49 to a high of 88.89. The Credit Services industry median Days Payable is 33.87. PT Clipan Finance Indonesia Tbk's value of 27.46 is 18.9% below this industry median. Based on the distribution chart, PT Clipan Finance Indonesia Tbk ranks #170 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, PT Clipan Finance Indonesia Tbk has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Clipan Finance Indonesia Tbk's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, PT Clipan Finance Indonesia Tbk ranks #170 out of 301 companies for Days Payable. This places PT Clipan Finance Indonesia Tbk in the lower half of its industry. The industry median Days Payable is 33.87. PT Clipan Finance Indonesia Tbk's value of 27.46 is 18.9% below this benchmark. Historically, PT Clipan Finance Indonesia Tbk's own Days Payable has ranged from 10.49 to 88.89 over the past decade. While the company's 10-year median is 33.52 vs. the industry median of 33.87, PT Clipan Finance Indonesia 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 33.87, 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. PT Clipan Finance Indonesia Tbk's current Days Payable of 27.46 is 18.9% 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 Clipan Finance Indonesia Tbk 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. PT Clipan Finance Indonesia Tbk's current Days Payable is 27.46, which is 18% below median its own 10-year median of 33.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Clipan Finance Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk (ISX:CFIN) is currently considered Fairly Valued. The stock's GF Value™ is Rp347.38, compared to a current price of Rp322.00 — trading 7.3% below its estimated fair value. The current Days Payable is 27.46, which is 18% below median its 10-year median of 33.52 and 18.9% below the Credit Services industry median of 33.87. PT Clipan Finance Indonesia Tbk's overall GF Score™ is 72/100 with 5 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 Clipan Finance Indonesia Tbk (ISX:CFIN), the current Days Payable is 27.46 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 Clipan Finance Indonesia Tbk (ISX:CFIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Clipan Finance Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp322.00 is trading 7.3% below its estimated GF Value™ of Rp347.38.
GuruFocus considers PT Clipan Finance Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:CFIN:
Days Payable: 27.46 (18% below median its 10-year median of 33.52)
GF Value™: Rp347.38 vs. price of Rp322.00 (7.3% below fair value)
Industry Position: 18.9% below the Credit Services median (#170 of 301)
No single metric tells the full story. See the ISX:CFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Clipan Finance Indonesia Tbk Business Description
PT Clipan Finance Indonesia Tbk is an Indonesian company engaged in providing financing solutions for new cars, used cars, heavy equipment, and multipurpose vehicles. Its operating segments are: Factoring, Sale and leaseback, Finance lease, and Consumer financing. The majority of its revenue is generated from the Consumer financing segment, which includes income generated from services like investment financing, working capital financing, and multi-purpose financing.
72GF Score
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