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Jaccs CoTSE:8584 -0.53%55 Days Payable is 2,030.63 as of Mar. 2026, which is 93% below its 10-year median of 30,142.50. GuruFocus rates TSE:8584 with a GF Score™ of 55/100 and a GF Value™ of 円3,771.99 (Fairly Valued). The stock has 5 warning signs investors should review. Among 302 Credit Services companies, Jaccs Co ranks better than 96.36% on this metric.
Jaccs Co's average Accounts Payable for the
three
months ended in Mar. 2026 was 円196,098 Mil. Jaccs Co's Cost of Goods Sold for the
three
months ended in Mar. 2026 was 円8,812 Mil.
Hence, Jaccs Co's Days Payable for the
three
months ended in Mar. 2026 was 2,030.63.
The historical rank and industry rank for Jaccs Co's Days Payable or its related term are showing as below:
TSE:8584'
s Days Payable Range Over the Past 10 Years
Min: 2375.73 Med: 30142.5 Max: 104686.66
Current: 2375.73
During the past 13 years, Jaccs Co's highest Days Payable was 104686.66. The lowest was 2375.73. And the median was 30142.50.
TSE:8584's Days Payable is ranked better than 96.36% of 302
companies
in the Credit Services industry
Industry Median: 33.455
vs TSE:8584: 2375.73
Jaccs Co's Days Payable
declined
from Mar. 2025 (2,945.04) to Mar. 2026 (2,030.63).
It may suggest that Jaccs Coaccelerated paying its suppliers.
The historical data trend for Jaccs Co'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, Jaccs Co'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.
Jaccs Co Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jaccs Co's Days Payable distribution charts can be found below:
* The bar in red indicates where Jaccs Co'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.
Jaccs Co's Days Payable for the fiscal year that ended in Mar. 2026 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.
Jaccs Co (TSE:8584) has a Days Payable of 2,030.63 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 Jaccs Co and its competitors. This is 93% below median its historical median of 30,142.50. Over the past decade, Jaccs Co's Days Payable has ranged from 2,375.73 to 104,686.66. According to the industry distribution chart, Jaccs Co ranks #11 out of 302 companies in the Credit Services industry, placing it in the top 3.6%.
Is Jaccs Co's Days Payable too high?
Jaccs Co's current Days Payable of 2,030.63 is 93% below median its 10-year median of 30,142.50. Over the past 10 years, this metric has ranged from a low of 2,375.73 to a high of 104,686.66. The Credit Services industry median Days Payable is 33.46. Jaccs Co's value of 2,030.63 is 5969.7% above this industry median. Based on the distribution chart, Jaccs Co ranks #11 out of 302 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Jaccs Co has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jaccs Co's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Jaccs Co ranks #11 out of 302 companies for Days Payable. This places Jaccs Co in the top 4% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.46. Jaccs Co's value of 2,030.63 is 5969.7% above this benchmark. Historically, Jaccs Co's own Days Payable has ranged from 2,375.73 to 104,686.66 over the past decade. While the company's 10-year median is 30,142.50 vs. the industry median of 33.46, Jaccs Co 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 33.46, 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. Jaccs Co's current Days Payable of 2,030.63 is 5969.7% 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 Jaccs Co and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jaccs Co's current Days Payable is 2,030.63, which is 93% below median its own 10-year median of 30,142.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jaccs Co stock overvalued right now?
Based on GuruFocus' analysis, Jaccs Co (TSE:8584) is currently considered Fairly Valued. The stock's GF Value™ is 円3,771.99, compared to a current price of 円3,745.00 — trading 0.7% below its estimated fair value. The current Days Payable is 2,030.63, which is 93% below median its 10-year median of 30,142.50 and 5969.7% above the Credit Services industry median of 33.46. Jaccs Co's overall GF Score™ is 55/100 with 5 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 Jaccs Co (TSE:8584), the current Days Payable is 2,030.63 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 Jaccs Co (TSE:8584) Overvalued in 2026?
Based on GuruFocus' analysis, Jaccs Co stock appears to be undervalued.
The current stock price of 円3,745.00 is trading 0.7% below its estimated GF Value™ of 円3,771.99.
GuruFocus considers Jaccs Co to be Fairly Valued.
Key valuation signals for TSE:8584:
Days Payable: 2,030.63 (93% below median its 10-year median of 30,142.50)
GF Value™: 円3,771.99 vs. price of 円3,745.00 (0.7% below fair value)
Industry Position: 5969.7% above the Credit Services median (#11 of 302)
No single metric tells the full story. See the TSE:8584 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jaccs Co Ltd is a consumer finance company that operates in Japan and other parts of Asia. The company's main businesses are the credit business, the credit card business, and the financing business. The credit business offers loans for purchases and expenses such as vehicles, medical care, bridal, home renovation, jewelry, watches, and kimono. The credit card business issues credit cards under the Visa, MasterCard, and JCB brands and has nearly 7 million cardholders. The financing business offers bill collection services as well as credit guarantees for personal and housing loans extended by financial institutions.
55GF Score
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