Makati FinancePHS:MFIN +10.61%53 Days Payable is 22.60 as of Mar. 2026, which is 77% below its 10-year median of 96.50. GuruFocus rates PHS:MFIN with a GF Score™ of 53/100 and a GF Value™ of ₱1.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 302 Credit Services companies, Makati Finance ranks worse than 57.28% on this metric.
The historical rank and industry rank for Makati Finance's Days Payable or its related term are showing as below:
PHS:MFIN'
s Days Payable Range Over the Past 10 Years
Min: 23.11 Med: 96.5 Max: 142.88
Current: 23.11
During the past 13 years, Makati Finance's highest Days Payable was 142.88. The lowest was 23.11. And the median was 96.50.
PHS:MFIN's Days Payable is ranked worse than 57.28% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs PHS:MFIN: 23.11
Makati Finance's Days Payable
declined
from Dec. 2024 (42.45) to Mar. 2026 (22.60).
It may suggest that Makati Financeaccelerated paying its suppliers.
Makati Finance Days Payable Related Terms
Makati Finance Days Payable Historical Data
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The historical data trend for Makati Finance'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, Makati Finance'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.
Makati Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance's Days Payable for the fiscal year that ended in Dec. 2024 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.
Makati Finance (PHS:MFIN) has a Days Payable of 22.60 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 Makati Finance and its competitors. This is 77% below median its historical median of 96.50. Over the past decade, Makati Finance's Days Payable has ranged from 23.11 to 142.88. According to the industry distribution chart, Makati Finance ranks #173 out of 302 companies in the Credit Services industry, placing it in the top 57.3%.
Is Makati Finance's Days Payable too high?
Makati Finance's current Days Payable of 22.60 is 77% below median its 10-year median of 96.50. Over the past 10 years, this metric has ranged from a low of 23.11 to a high of 142.88. The Credit Services industry median Days Payable is 33.41. Makati Finance's value of 22.60 is 32.3% below this industry median. Based on the distribution chart, Makati Finance ranks #173 out of 302 companies in the Credit Services industry, which is below the industry midpoint. Overall, Makati Finance has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #173 out of 302 companies for Days Payable. This places Makati Finance in the lower half of its industry. The industry median Days Payable is 33.41. Makati Finance's value of 22.60 is 32.3% below this benchmark. Historically, Makati Finance's own Days Payable has ranged from 23.11 to 142.88 over the past decade. While the company's 10-year median is 96.50 vs. the industry median of 33.41, Makati Finance 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. Makati Finance's current Days Payable of 22.60 is 32.3% 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 Makati Finance 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. Makati Finance's current Days Payable is 22.60, which is 77% below median its own 10-year median of 96.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.19 — trading 13.5% above its estimated fair value. The current Days Payable is 22.60, which is 77% below median its 10-year median of 96.50 and 32.3% below the Credit Services industry median of 33.41. Makati Finance's overall GF Score™ is 53/100 with 8 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 Makati Finance (PHS:MFIN), the current Days Payable is 22.60 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
Days Payable: 22.60 (77% below median its 10-year median of 96.50)
GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
Industry Position: 32.3% below the Credit Services median (#173 of 302)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
53GF Score
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