SaveLend Group ABOSTO:YIELD +4.91%59 Days Payable is 90.96 as of Dec. 2025, which is 56% above its 10-year median of 58.44. GuruFocus rates OSTO:YIELD with a GF Score™ of 59/100 and a GF Value™ of kr1.70 (Fairly Valued). The stock has 4 warning signs investors should review. Among 300 Credit Services companies, SaveLend Group AB ranks better than 86.33% on this metric.
The historical rank and industry rank for SaveLend Group AB's Days Payable or its related term are showing as below:
OSTO:YIELD'
s Days Payable Range Over the Past 10 Years
Min: 42.62 Med: 58.44 Max: 350.05
Current: 350.05
During the past 7 years, SaveLend Group AB's highest Days Payable was 350.05. The lowest was 42.62. And the median was 58.44.
OSTO:YIELD's Days Payable is ranked better than 86.33% of 300
companies
in the Credit Services industry
Industry Median: 33.92
vs OSTO:YIELD: 350.05
SaveLend Group AB's Days Payable
increased
from Jun. 2024 (32.30) to Dec. 2025 (90.96).
It may suggest that SaveLend Group ABdelayed paying its suppliers.
SaveLend Group AB Days Payable Related Terms
SaveLend Group AB Days Payable Historical Data
* Premium members only.
The historical data trend for SaveLend Group AB'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, SaveLend Group AB'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.
SaveLend Group AB Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's Days Payable distribution charts can be found below:
* The bar in red indicates where SaveLend Group AB'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.
SaveLend Group AB'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.
SaveLend Group AB (OSTO:YIELD) has a Days Payable of 90.96 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 SaveLend Group AB and its competitors. This is 56% above median its historical median of 58.44. Over the past decade, SaveLend Group AB's Days Payable has ranged from 42.62 to 350.05. According to the industry distribution chart, SaveLend Group AB ranks #41 out of 300 companies in the Credit Services industry, placing it in the top 13.7%.
Is SaveLend Group AB's Days Payable too high?
SaveLend Group AB's current Days Payable of 90.96 is 56% above median its 10-year median of 58.44. Over the past 10 years, this metric has ranged from a low of 42.62 to a high of 350.05. The Credit Services industry median Days Payable is 33.92. SaveLend Group AB's value of 90.96 is 168.2% above this industry median. Based on the distribution chart, SaveLend Group AB ranks #41 out of 300 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SaveLend Group AB has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, SaveLend Group AB ranks #41 out of 300 companies for Days Payable. This places SaveLend Group AB in the top 14% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.92. SaveLend Group AB's value of 90.96 is 168.2% above this benchmark. Historically, SaveLend Group AB's own Days Payable has ranged from 42.62 to 350.05 over the past decade. While the company's 10-year median is 58.44 vs. the industry median of 33.92, SaveLend Group AB 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 33.92, 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. SaveLend Group AB's current Days Payable of 90.96 is 168.2% 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 SaveLend Group AB and its competitors. For the Credit Services industry, the median Days Payable is 33.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SaveLend Group AB's current Days Payable is 90.96, which is 56% above median its own 10-year median of 58.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SaveLend Group AB stock overvalued right now?
Based on GuruFocus' analysis, SaveLend Group AB (OSTO:YIELD) is currently considered Fairly Valued. The stock's GF Value™ is kr1.70, compared to a current price of kr1.71 — trading 0.6% above its estimated fair value. The current Days Payable is 90.96, which is 56% above median its 10-year median of 58.44 and 168.2% above the Credit Services industry median of 33.92. SaveLend Group AB's overall GF Score™ is 59/100 with 4 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 SaveLend Group AB (OSTO:YIELD), the current Days Payable is 90.96 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 SaveLend Group AB (OSTO:YIELD) Overvalued in 2026?
Based on GuruFocus' analysis, SaveLend Group AB stock appears to be overvalued.
The current stock price of kr1.71 is trading 0.6% above its estimated GF Value™ of kr1.70.
GuruFocus considers SaveLend Group AB to be Fairly Valued.
Key valuation signals for OSTO:YIELD:
Days Payable: 90.96 (56% above median its 10-year median of 58.44)
GF Value™: kr1.70 vs. price of kr1.71 (0.6% above fair value)
Industry Position: 168.2% above the Credit Services median (#41 of 300)
No single metric tells the full story. See the OSTO:YIELD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SaveLend Group AB is fintech company engaged in the peer-to-peer lending segment. The group has two operating segments. The Savings Platform encompasses all activities related to savers and intermediated loans. The Invoice Platform is the operating segment that includes all invoice service activities.
59GF Score
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