Premia Finance SpAMIL:PFI -0.74%68 Days Payable is 804.23 as of Dec. 2025, which is 67% above its 10-year median of 480.82. GuruFocus rates MIL:PFI with a GF Score™ of 68/100 and a GF Value™ of €1.54 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 301 Credit Services companies, Premia Finance SpA ranks better than 90.7% on this metric.
The historical rank and industry rank for Premia Finance SpA's Days Payable or its related term are showing as below:
MIL:PFI'
s Days Payable Range Over the Past 10 Years
Min: 400.56 Med: 480.82 Max: 653.54
Current: 572.71
During the past 7 years, Premia Finance SpA's highest Days Payable was 653.54. The lowest was 400.56. And the median was 480.82.
MIL:PFI's Days Payable is ranked better than 90.7% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs MIL:PFI: 572.71
Premia Finance SpA's Days Payable
increased
from Dec. 2024 (661.78) to Dec. 2025 (804.23).
It may suggest that Premia Finance SpAdelayed paying its suppliers.
Premia Finance SpA Days Payable Related Terms
Premia Finance SpA Days Payable Historical Data
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The historical data trend for Premia Finance 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, Premia Finance 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.
Premia Finance SpA Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's Days Payable distribution charts can be found below:
* The bar in red indicates where Premia Finance 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.
Premia Finance 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.
Premia Finance SpA (MIL:PFI) has a Days Payable of 804.23 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 Premia Finance SpA and its competitors. This is 67% above median its historical median of 480.82. Over the past decade, Premia Finance SpA's Days Payable has ranged from 400.56 to 653.54. According to the industry distribution chart, Premia Finance SpA ranks #28 out of 301 companies in the Credit Services industry, placing it in the top 9.3%.
Is Premia Finance SpA's Days Payable too high?
Premia Finance SpA's current Days Payable of 804.23 is 67% above median its 10-year median of 480.82. Over the past 10 years, this metric has ranged from a low of 400.56 to a high of 653.54. The Credit Services industry median Days Payable is 33.87. Premia Finance SpA's value of 804.23 is 2274.5% above this industry median. Based on the distribution chart, Premia Finance SpA ranks #28 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Premia Finance SpA has a GF Score™ of 68/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premia Finance SpA's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #28 out of 301 companies for Days Payable. This places Premia Finance SpA in the top 9% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Premia Finance SpA's value of 804.23 is 2274.5% above this benchmark. Historically, Premia Finance SpA's own Days Payable has ranged from 400.56 to 653.54 over the past decade. While the company's 10-year median is 480.82 vs. the industry median of 33.87, Premia Finance SpA 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 33.87, 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. Premia Finance SpA's current Days Payable of 804.23 is 2274.5% 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 Premia Finance SpA 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. Premia Finance SpA's current Days Payable is 804.23, which is 67% above median its own 10-year median of 480.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Premia Finance SpA stock overvalued right now?
Based on GuruFocus' analysis, Premia Finance SpA (MIL:PFI) is currently considered Possible Value Trap. The stock's GF Value™ is €1.54, compared to a current price of €0.67 — trading 56.5% below its estimated fair value. The current Days Payable is 804.23, which is 67% above median its 10-year median of 480.82 and 2274.5% above the Credit Services industry median of 33.87. Premia Finance SpA's overall GF Score™ is 68/100 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 Premia Finance SpA (MIL:PFI), the current Days Payable is 804.23 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 Premia Finance SpA (MIL:PFI) Overvalued in 2026?
Based on GuruFocus' analysis, Premia Finance SpA stock appears to be undervalued.
The current stock price of €0.67 is trading 56.5% below its estimated GF Value™ of €1.54.
GuruFocus considers Premia Finance SpA to be Possible Value Trap.
Key valuation signals for MIL:PFI:
Days Payable: 804.23 (67% above median its 10-year median of 480.82)
GF Value™: €1.54 vs. price of €0.67 (56.5% below fair value)
Industry Position: 2274.5% above the Credit Services median (#28 of 301)
No single metric tells the full story. See the MIL:PFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Premia Finance SpA provides credit brokerage services. The company helps banks, credit organizations, and financial institutions to connect with borrowers for various credit products such as fifth transfer, mortgages, personal loans, microcredit, loan with delegation, insurance, and others.
68GF Score
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