PBS FinanseWAR:PBF 75 Days Payable is 14.23 as of Mar. 2026, which is 24% above its 10-year median of 11.50. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 299 Credit Services companies, PBS Finanse ranks worse than 68.56% on this metric.
PBS Finanse's average Accounts Payable for the
three
months ended in Mar. 2026 was zł0.10 Mil. PBS Finanse's Cost of Goods Sold for the
three
months ended in Mar. 2026 was zł0.67 Mil.
Hence, PBS Finanse's Days Payable for the
three
months ended in Mar. 2026 was 14.23.
The historical rank and industry rank for PBS Finanse's Days Payable or its related term are showing as below:
WAR:PBF'
s Days Payable Range Over the Past 10 Years
Min: 6.36 Med: 11.5 Max: 138.64
Current: 12.85
During the past 13 years, PBS Finanse's highest Days Payable was 138.64. The lowest was 6.36. And the median was 11.50.
WAR:PBF's Days Payable is ranked worse than 68.56% of 299
companies
in the Credit Services industry
Industry Median: 33.87
vs WAR:PBF: 12.85
PBS Finanse's Days Payable
increased
from Mar. 2025 (5.48) to Mar. 2026 (14.23).
It may suggest that PBS Finansedelayed paying its suppliers.
PBS Finanse Days Payable Related Terms
PBS Finanse Days Payable Historical Data
* Premium members only.
The historical data trend for PBS Finanse'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, PBS Finanse'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.
PBS Finanse Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's Days Payable distribution charts can be found below:
* The bar in red indicates where PBS Finanse'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.
PBS Finanse'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.
PBS Finanse (WAR:PBF) has a Days Payable of 14.23 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 PBS Finanse and its competitors. This is 24% above median its historical median of 11.50. Over the past decade, PBS Finanse's Days Payable has ranged from 6.36 to 138.64. According to the industry distribution chart, PBS Finanse ranks #205 out of 299 companies in the Credit Services industry, placing it in the top 68.6%.
Is PBS Finanse's Days Payable too high?
PBS Finanse's current Days Payable of 14.23 is 24% above median its 10-year median of 11.50. Over the past 10 years, this metric has ranged from a low of 6.36 to a high of 138.64. The Credit Services industry median Days Payable is 33.87. PBS Finanse's value of 14.23 is 58% below this industry median. Based on the distribution chart, PBS Finanse ranks #205 out of 299 companies in the Credit Services industry, which is below the industry midpoint. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #205 out of 299 companies for Days Payable. This places PBS Finanse in the lower half of its industry. The industry median Days Payable is 33.87. PBS Finanse's value of 14.23 is 58% below this benchmark. Historically, PBS Finanse's own Days Payable has ranged from 6.36 to 138.64 over the past decade. While the company's 10-year median is 11.50 vs. the industry median of 33.87, PBS Finanse 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 299 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. PBS Finanse's current Days Payable of 14.23 is 58% 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 PBS Finanse 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. PBS Finanse's current Days Payable is 14.23, which is 24% above median its own 10-year median of 11.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current Days Payable is 14.23, which is 24% above median its 10-year median of 11.50 and 58% below the Credit Services industry median of 33.87. PBS Finanse's overall GF Score™ is 75/100 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 PBS Finanse (WAR:PBF), the current Days Payable is 14.23 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
Days Payable: 14.23 (24% above median its 10-year median of 11.50)
GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
Industry Position: 58% below the Credit Services median (#205 of 299)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score
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Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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