Affirm HoldingsSTU:78P 81 Days Payable is 15.06 as of Mar. 2026, which is 48% below its 10-year median of 28.76. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 6 warning signs investors should review. Among 301 Credit Services companies, Affirm Holdings ranks worse than 63.12% on this metric.
The historical rank and industry rank for Affirm Holdings's Days Payable or its related term are showing as below:
STU:78P'
s Days Payable Range Over the Past 10 Years
Min: 12.89 Med: 28.76 Max: 43.02
Current: 17.01
During the past 7 years, Affirm Holdings's highest Days Payable was 43.02. The lowest was 12.89. And the median was 28.76.
STU:78P's Days Payable is ranked worse than 63.12% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs STU:78P: 17.01
Affirm Holdings's Days Payable
declined
from Mar. 2025 (15.43) to Mar. 2026 (15.06).
It may suggest that Affirm Holdingsaccelerated paying its suppliers.
Affirm Holdings Days Payable Related Terms
Affirm Holdings Days Payable Historical Data
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The historical data trend for Affirm Holdings'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.
STU:78P vs SYF, SOFI, ALLY: Days Payable Comparison
For the Credit Services subindustry, Affirm Holdings'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.
Affirm Holdings Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Affirm Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where Affirm Holdings'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.
Affirm Holdings's Days Payable for the fiscal year that ended in Jun. 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.
Affirm Holdings (STU:78P) has a Days Payable of 15.06 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 Affirm Holdings and its competitors. This is 48% below median its historical median of 28.76. Over the past decade, Affirm Holdings' Days Payable has ranged from 12.89 to 43.02. According to the industry distribution chart, Affirm Holdings ranks #190 out of 301 companies in the Credit Services industry, placing it in the top 63.1%.
Is Affirm Holdings' Days Payable too high?
Affirm Holdings' current Days Payable of 15.06 is 48% below median its 10-year median of 28.76. Over the past 10 years, this metric has ranged from a low of 12.89 to a high of 43.02. The Credit Services industry median Days Payable is 33.87. Affirm Holdings' value of 15.06 is 55.5% below this industry median. Based on the distribution chart, Affirm Holdings ranks #190 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Days Payable compare to SYF and SOFI?
According to the Credit Services industry distribution chart, Affirm Holdings ranks #190 out of 301 companies for Days Payable. This places Affirm Holdings in the lower half of its industry. The industry median Days Payable is 33.87. Affirm Holdings' value of 15.06 is 55.5% below this benchmark. Historically, Affirm Holdings' own Days Payable has ranged from 12.89 to 43.02 over the past decade. While the company's 10-year median is 28.76 vs. the industry median of 33.87, Affirm Holdings 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 33.87, 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. Affirm Holdings's current Days Payable of 15.06 is 55.5% 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 Affirm Holdings 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. Affirm Holdings's current Days Payable is 15.06, which is 48% below median its own 10-year median of 28.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affirm Holdings stock overvalued right now?
Affirm Holdings (STU:78P) has a current Days Payable of 15.06. The current Days Payable is 15.06, which is 48% below median its 10-year median of 28.76 and 55.5% below the Credit Services industry median of 33.87. Affirm Holdings' overall GF Score™ is 81/100 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 Affirm Holdings (STU:78P), the current Days Payable is 15.06 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.
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
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