City AutoSTC:CTF 77 Days Payable is 12.42 as of Mar. 2026, which is 46% above its 10-year median of 8.50. GuruFocus rates STC:CTF with a GF Score™ of 77/100 and a GF Value™ of ₫28,430.52 (Significantly Undervalued). The stock has 8 warning signs investors should review. Among 1,313 Vehicles & Parts companies, City Auto ranks worse than 95.89% on this metric.
City Auto's average Accounts Payable for the
three
months ended in Mar. 2026 was ₫245,599 Mil. City Auto's Cost of Goods Sold for the
three
months ended in Mar. 2026 was ₫1,804,689 Mil.
Hence, City Auto's Days Payable for the
three
months ended in Mar. 2026 was 12.42.
The historical rank and industry rank for City Auto's Days Payable or its related term are showing as below:
STC:CTF'
s Days Payable Range Over the Past 10 Years
Min: 4.14 Med: 8.5 Max: 13.42
Current: 13.42
During the past 8 years, City Auto's highest Days Payable was 13.42. The lowest was 4.14. And the median was 8.50.
STC:CTF's Days Payable is ranked worse than 95.89% of 1313
companies
in the Vehicles & Parts industry
Industry Median: 67.12
vs STC:CTF: 13.42
City Auto's Days Payable
declined
from Mar. 2025 (14.53) to Mar. 2026 (12.42).
It may suggest that City Autoaccelerated paying its suppliers.
City Auto Days Payable Related Terms
City Auto Days Payable Historical Data
* Premium members only.
The historical data trend for City Auto'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.
STC:CTF vs CVNA, PAG, ALTB: Days Payable Comparison
For the Auto & Truck Dealerships subindustry, City Auto'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.
City Auto Days Payable vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, City Auto's Days Payable distribution charts can be found below:
* The bar in red indicates where City Auto'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.
City Auto'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.
City Auto (STC:CTF) has a Days Payable of 12.42 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 City Auto and its competitors. This is 46% above median its historical median of 8.50. Over the past decade, City Auto's Days Payable has ranged from 4.14 to 13.42. According to the industry distribution chart, City Auto ranks #1259 out of 1313 companies in the Vehicles & Parts industry, placing it in the top 95.9%.
Is City Auto's Days Payable too high?
City Auto's current Days Payable of 12.42 is 46% above median its 10-year median of 8.50. Over the past 10 years, this metric has ranged from a low of 4.14 to a high of 13.42. The Vehicles & Parts industry median Days Payable is 67.12. City Auto's value of 12.42 is 81.5% below this industry median. Based on the distribution chart, City Auto ranks #1259 out of 1313 companies in the Vehicles & Parts industry, which is in the bottom quartile relative to peers. Overall, City Auto has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does City Auto's Days Payable compare to CVNA and PAG?
According to the Vehicles & Parts industry distribution chart, City Auto ranks #1259 out of 1313 companies for Days Payable. This places City Auto in the lower half of its industry. The industry median Days Payable is 67.12. City Auto's value of 12.42 is 81.5% below this benchmark. Historically, City Auto's own Days Payable has ranged from 4.14 to 13.42 over the past decade. While the company's 10-year median is 8.50 vs. the industry median of 67.12, City Auto 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 Vehicles & Parts company?
The median Days Payable among Vehicles & Parts companies is 67.12, based on 1,313 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. City Auto's current Days Payable of 12.42 is 81.5% 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 City Auto and its competitors. For the Vehicles & Parts industry, the median Days Payable is 67.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Auto's current Days Payable is 12.42, which is 46% above median its own 10-year median of 8.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Auto stock overvalued right now?
Based on GuruFocus' analysis, City Auto (STC:CTF) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫28,430.52, compared to a current price of ₫17,150.00 — trading 39.7% below its estimated fair value. The current Days Payable is 12.42, which is 46% above median its 10-year median of 8.50 and 81.5% below the Vehicles & Parts industry median of 67.12. City Auto's overall GF Score™ is 77/100 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 City Auto (STC:CTF), the current Days Payable is 12.42 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 City Auto (STC:CTF) Overvalued in 2026?
Based on GuruFocus' analysis, City Auto stock appears to be undervalued.
The current stock price of ₫17,150.00 is trading 39.7% below its estimated GF Value™ of ₫28,430.52.
GuruFocus considers City Auto to be Significantly Undervalued.
Key valuation signals for STC:CTF:
Days Payable: 12.42 (46% above median its 10-year median of 8.50)
GF Value™: ₫28,430.52 vs. price of ₫17,150.00 (39.7% below fair value)
Industry Position: 81.5% below the Vehicles & Parts median (#1259 of 1313)
No single metric tells the full story. See the STC:CTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:CTF has been successfully added to your 
