Generalfinance SpAMIL:GF -0.70%75 Days Payable is 24.07 as of Mar. 2026, which is 42% below its 10-year median of 41.36. GuruFocus rates MIL:GF with a GF Score™ of 75/100 and a GF Value™ of €16.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 302 Credit Services companies, Generalfinance SpA ranks better than 77.81% on this metric.
The historical rank and industry rank for Generalfinance SpA's Days Payable or its related term are showing as below:
MIL:GF'
s Days Payable Range Over the Past 10 Years
Min: 27.37 Med: 41.36 Max: 156.46
Current: 156.46
During the past 8 years, Generalfinance SpA's highest Days Payable was 156.46. The lowest was 27.37. And the median was 41.36.
MIL:GF's Days Payable is ranked better than 77.81% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs MIL:GF: 156.46
Generalfinance SpA's Days Payable
declined
from Mar. 2025 (28.89) to Mar. 2026 (24.07).
It may suggest that Generalfinance SpAaccelerated paying its suppliers.
Generalfinance SpA Days Payable Related Terms
Generalfinance SpA Days Payable Historical Data
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The historical data trend for Generalfinance SpA'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, Generalfinance SpA'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.
Generalfinance SpA Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's Days Payable distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA'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.
Generalfinance SpA'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.
Generalfinance SpA (MIL:GF) has a Days Payable of 24.07 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 Generalfinance SpA and its competitors. This is 42% below median its historical median of 41.36. Over the past decade, Generalfinance SpA's Days Payable has ranged from 27.37 to 156.46. According to the industry distribution chart, Generalfinance SpA ranks #67 out of 302 companies in the Credit Services industry, placing it in the top 22.2%.
Is Generalfinance SpA's Days Payable too high?
Generalfinance SpA's current Days Payable of 24.07 is 42% below median its 10-year median of 41.36. Over the past 10 years, this metric has ranged from a low of 27.37 to a high of 156.46. The Credit Services industry median Days Payable is 33.41. Generalfinance SpA's value of 24.07 is 27.9% below this industry median. Based on the distribution chart, Generalfinance SpA ranks #67 out of 302 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Generalfinance SpA has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #67 out of 302 companies for Days Payable. This places Generalfinance SpA in the top 22% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.41. Generalfinance SpA's value of 24.07 is 27.9% below this benchmark. Historically, Generalfinance SpA's own Days Payable has ranged from 27.37 to 156.46 over the past decade. While the company's 10-year median is 41.36 vs. the industry median of 33.41, Generalfinance SpA 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 302 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. Generalfinance SpA's current Days Payable of 24.07 is 27.9% 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 Generalfinance SpA 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. Generalfinance SpA's current Days Payable is 24.07, which is 42% below median its own 10-year median of 41.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (MIL:GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.19, compared to a current price of €28.20 — trading 74.2% above its estimated fair value. The current Days Payable is 24.07, which is 42% below median its 10-year median of 41.36 and 27.9% below the Credit Services industry median of 33.41. Generalfinance SpA's overall GF Score™ is 75/100 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 Generalfinance SpA (MIL:GF), the current Days Payable is 24.07 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 Generalfinance SpA (MIL:GF) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €28.20 is trading 74.2% above its estimated GF Value™ of €16.19.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for MIL:GF:
Days Payable: 24.07 (42% below median its 10-year median of 41.36)
GF Value™: €16.19 vs. price of €28.20 (74.2% above fair value)
Industry Position: 27.9% below the Credit Services median (#67 of 302)
No single metric tells the full story. See the MIL:GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
75GF Score
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