Akcept FinanceWAR:AFC 28 Days Payable is 240.47 as of Mar. 2026, which is 27% below its 10-year median of 327.24. GuruFocus rates WAR:AFC with a GF Score™ of 28/100 and a GF Value™ of zł0.40 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 301 Credit Services companies, Akcept Finance ranks better than 84.72% on this metric.
The historical rank and industry rank for Akcept Finance's Days Payable or its related term are showing as below:
WAR:AFC'
s Days Payable Range Over the Past 10 Years
Min: 19.56 Med: 327.24 Max: 720.45
Current: 289.56
During the past 13 years, Akcept Finance's highest Days Payable was 720.45. The lowest was 19.56. And the median was 327.24.
WAR:AFC's Days Payable is ranked better than 84.72% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs WAR:AFC: 289.56
Akcept Finance's Days Payable
declined
from Mar. 2025 (1,730.57) to Mar. 2026 (240.47).
It may suggest that Akcept Financeaccelerated paying its suppliers.
Akcept Finance Days Payable Related Terms
Akcept Finance Days Payable Historical Data
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The historical data trend for Akcept 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, Akcept 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.
Akcept Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Akcept Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Akcept 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.
Akcept Finance'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.
Akcept Finance (WAR:AFC) has a Days Payable of 240.47 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 Akcept Finance and its competitors. This is 27% below median its historical median of 327.24. Over the past decade, Akcept Finance's Days Payable has ranged from 19.56 to 720.45. According to the industry distribution chart, Akcept Finance ranks #46 out of 301 companies in the Credit Services industry, placing it in the top 15.3%.
Is Akcept Finance's Days Payable too high?
Akcept Finance's current Days Payable of 240.47 is 27% below median its 10-year median of 327.24. Over the past 10 years, this metric has ranged from a low of 19.56 to a high of 720.45. The Credit Services industry median Days Payable is 33.87. Akcept Finance's value of 240.47 is 610% above this industry median. Based on the distribution chart, Akcept Finance ranks #46 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Akcept Finance has a GF Score™ of 28/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Akcept Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Akcept Finance ranks #46 out of 301 companies for Days Payable. This places Akcept Finance in the top 15% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Akcept Finance's value of 240.47 is 610% above this benchmark. Historically, Akcept Finance's own Days Payable has ranged from 19.56 to 720.45 over the past decade. While the company's 10-year median is 327.24 vs. the industry median of 33.87, Akcept Finance 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 33.87, 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. Akcept Finance's current Days Payable of 240.47 is 610% 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 Akcept Finance 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. Akcept Finance's current Days Payable is 240.47, which is 27% below median its own 10-year median of 327.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Akcept Finance stock overvalued right now?
Based on GuruFocus' analysis, Akcept Finance (WAR:AFC) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.40, compared to a current price of zł0.25 — trading 38.5% below its estimated fair value. The current Days Payable is 240.47, which is 27% below median its 10-year median of 327.24 and 610% above the Credit Services industry median of 33.87. Akcept Finance's overall GF Score™ is 28/100 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 Akcept Finance (WAR:AFC), the current Days Payable is 240.47 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 Akcept Finance (WAR:AFC) Overvalued in 2026?
Based on GuruFocus' analysis, Akcept Finance stock appears to be undervalued.
The current stock price of zł0.25 is trading 38.5% below its estimated GF Value™ of zł0.40.
GuruFocus considers Akcept Finance to be Possible Value Trap.
Key valuation signals for WAR:AFC:
Days Payable: 240.47 (27% below median its 10-year median of 327.24)
GF Value™: zł0.40 vs. price of zł0.25 (38.5% below fair value)
Industry Position: 610% above the Credit Services median (#46 of 301)
No single metric tells the full story. See the WAR:AFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Akcept Finance SA provides various financial services to micro-enterprises, SMEs, and publicly traded companies. The company's financial services include full factoring services, half-factoring, discounting of bills and funds raising in Europe.
28GF Score
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