Dr.FinanceWAR:DRF -0.91%42 Days Payable is 361.96 as of Dec. 2025, which is 4% above its 10-year median of 348.44. GuruFocus rates WAR:DRF with a GF Score™ of 42/100 and a GF Value™ of zł0.50 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 301 Credit Services companies, Dr.Finance ranks better than 83.39% on this metric.
Dr.Finance's average Accounts Payable for the
three
months ended in Dec. 2025 was zł0.06 Mil. Dr.Finance's Cost of Goods Sold for the
three
months ended in Dec. 2025 was zł0.02 Mil.
Hence, Dr.Finance's Days Payable for the
three
months ended in Dec. 2025 was 361.96.
The historical rank and industry rank for Dr.Finance's Days Payable or its related term are showing as below:
WAR:DRF'
s Days Payable Range Over the Past 10 Years
Min: 147.28 Med: 348.44 Max: 1424.59
Current: 215.43
During the past 13 years, Dr.Finance's highest Days Payable was 1424.59. The lowest was 147.28. And the median was 348.44.
WAR:DRF's Days Payable is ranked better than 83.39% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs WAR:DRF: 215.43
Dr.Finance's Days Payable
declined
from Dec. 2024 (499.86) to Dec. 2025 (361.96).
It may suggest that Dr.Financeaccelerated paying its suppliers.
Dr.Finance Days Payable Related Terms
Dr.Finance Days Payable Historical Data
* Premium members only.
The historical data trend for Dr.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, Dr.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.
Dr.Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dr.Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Dr.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.
Dr.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.
Dr.Finance (WAR:DRF) has a Days Payable of 361.96 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Dr.Finance and its competitors. This is near median its historical median of 348.44. Over the past decade, Dr.Finance's Days Payable has ranged from 147.28 to 1,424.59. According to the industry distribution chart, Dr.Finance ranks #50 out of 301 companies in the Credit Services industry, placing it in the top 16.6%.
Is Dr.Finance's Days Payable too high?
Dr.Finance's current Days Payable of 361.96 is near median its 10-year median of 348.44. Over the past 10 years, this metric has ranged from a low of 147.28 to a high of 1,424.59. The Credit Services industry median Days Payable is 33.87. Dr.Finance's value of 361.96 is 968.7% above this industry median. Based on the distribution chart, Dr.Finance ranks #50 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Dr.Finance has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dr.Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Dr.Finance ranks #50 out of 301 companies for Days Payable. This places Dr.Finance in the top 17% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Dr.Finance's value of 361.96 is 968.7% above this benchmark. Historically, Dr.Finance's own Days Payable has ranged from 147.28 to 1,424.59 over the past decade. While the company's 10-year median is 348.44 vs. the industry median of 33.87, Dr.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. Dr.Finance's current Days Payable of 361.96 is 968.7% 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 Dr.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. Dr.Finance's current Days Payable is 361.96, which is near median its own 10-year median of 348.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dr.Finance stock overvalued right now?
Based on GuruFocus' analysis, Dr.Finance (WAR:DRF) is currently considered Significantly Overvalued. The stock's GF Value™ is zł0.50, compared to a current price of zł1.09 — trading 118% above its estimated fair value. The current Days Payable is 361.96, which is near median its 10-year median of 348.44 and 968.7% above the Credit Services industry median of 33.87. Dr.Finance's overall GF Score™ is 42/100 with 3 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 Dr.Finance (WAR:DRF), the current Days Payable is 361.96 as of Dec. 2025. 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 Dr.Finance (WAR:DRF) Overvalued in 2026?
Based on GuruFocus' analysis, Dr.Finance stock appears to be overvalued.
The current stock price of zł1.09 is trading 118% above its estimated GF Value™ of zł0.50.
GuruFocus considers Dr.Finance to be Significantly Overvalued.
Key valuation signals for WAR:DRF:
Days Payable: 361.96 (near median its 10-year median of 348.44)
GF Value™: zł0.50 vs. price of zł1.09 (118% above fair value)
Industry Position: 968.7% above the Credit Services median (#50 of 301)
No single metric tells the full story. See the WAR:DRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dr.Finance SA is a financial intermediary in the sale of loans and other financial products. It operates in the business of Working capital loans, Investment loans, Leasing, and Factoring.
42GF Score
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