Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Younited FinancialXAMS:YOUNI 4 Days Payable is 71.56 as of Dec. 2025, which is 65% below its 10-year median of 206.07. GuruFocus rates XAMS:YOUNI with a GF Score™ of 4/100. The stock has 1 warning sign investors should review. Among 301 Credit Services companies, Younited Financial ranks better than 76.74% on this metric.
The historical rank and industry rank for Younited Financial's Days Payable or its related term are showing as below:
XAMS:YOUNI'
s Days Payable Range Over the Past 10 Years
Min: 149.38 Med: 206.07 Max: 239.77
Current: 149.38
During the past 6 years, Younited Financial's highest Days Payable was 239.77. The lowest was 149.38. And the median was 206.07.
XAMS:YOUNI's Days Payable is ranked better than 76.74% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs XAMS:YOUNI: 149.38
Younited Financial's Days Payable
declined
from Dec. 2024 (111.73) to Dec. 2025 (71.56).
It may suggest that Younited Financialaccelerated paying its suppliers.
Younited Financial Days Payable Related Terms
Younited Financial Days Payable Historical Data
* Premium members only.
The historical data trend for Younited Financial'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, Younited Financial'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.
Younited Financial Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Younited Financial's Days Payable distribution charts can be found below:
* The bar in red indicates where Younited Financial'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.
Younited Financial'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.
Younited Financial (XAMS:YOUNI) has a Days Payable of 71.56 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 Younited Financial and its competitors. This is 65% below median its historical median of 206.07. Over the past decade, Younited Financial's Days Payable has ranged from 149.38 to 239.77. According to the industry distribution chart, Younited Financial ranks #70 out of 301 companies in the Credit Services industry, placing it in the top 23.3%.
Is Younited Financial's Days Payable too high?
Younited Financial's current Days Payable of 71.56 is 65% below median its 10-year median of 206.07. Over the past 10 years, this metric has ranged from a low of 149.38 to a high of 239.77. The Credit Services industry median Days Payable is 33.87. Younited Financial's value of 71.56 is 111.3% above this industry median. Based on the distribution chart, Younited Financial ranks #70 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Younited Financial has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does Younited Financial's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Younited Financial ranks #70 out of 301 companies for Days Payable. This places Younited Financial in the top 23% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Younited Financial's value of 71.56 is 111.3% above this benchmark. Historically, Younited Financial's own Days Payable has ranged from 149.38 to 239.77 over the past decade. While the company's 10-year median is 206.07 vs. the industry median of 33.87, Younited Financial 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. Younited Financial's current Days Payable of 71.56 is 111.3% 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 Younited Financial 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. Younited Financial's current Days Payable is 71.56, which is 65% below median its own 10-year median of 206.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Younited Financial stock overvalued right now?
Younited Financial (XAMS:YOUNI) has a current Days Payable of 71.56. The current Days Payable is 71.56, which is 65% below median its 10-year median of 206.07 and 111.3% above the Credit Services industry median of 33.87. Younited Financial's overall GF Score™ is 4/100 with 1 warning sign 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 Younited Financial (XAMS:YOUNI), the current Days Payable is 71.56 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.
Younited Financial SA is a specialized credit institution and investment services provider supervised by the ACPR and AMF in France, under the oversight of the ECB. By leveraging its powerful technology platform with open banking, modern APIs and artificial intelligence, Younited has built an efficient and scalable pan-European consumer credit platform to transform the European consumer loan market and help households reach financial well-being.
4GF Score
Get the complete analysis for XAMS:YOUNI
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XAMS:YOUNI has been successfully added to your 
