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ELANA Agrocredit AD SofiaXBUL:EAC 31 Days Payable is 4.71 as of Jun. 2026, which is 62% below its 10-year median of 12.38. GuruFocus rates XBUL:EAC with a GF Score™ of 31/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 302 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 76.49% on this metric.
* 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, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Days Payable distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia's Days Payable falls into.
ELANA Agrocredit AD Sofia Days Payable Calculation
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.
ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Days Payable of 4.71 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on ELANA Agrocredit AD Sofia and its competitors. This is 62% below median its historical median of 12.38. Over the past decade, ELANA Agrocredit AD Sofia's Days Payable has ranged from 2.88 to 69.80. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #231 out of 302 companies in the Credit Services industry, placing it in the top 76.5%.
Is ELANA Agrocredit AD Sofia's Days Payable too high?
ELANA Agrocredit AD Sofia's current Days Payable of 4.71 is 62% below median its 10-year median of 12.38. Over the past 10 years, this metric has ranged from a low of 2.88 to a high of 69.80. The Credit Services industry median Days Payable is 32.59. ELANA Agrocredit AD Sofia's value of 4.71 is 85.5% below this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #231 out of 302 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 31/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #231 out of 302 companies for Days Payable. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median Days Payable is 32.59. ELANA Agrocredit AD Sofia's value of 4.71 is 85.5% below this benchmark. Historically, ELANA Agrocredit AD Sofia's own Days Payable has ranged from 2.88 to 69.80 over the past decade. While the company's 10-year median is 12.38 vs. the industry median of 32.59, ELANA Agrocredit AD Sofia 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 32.59, 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. ELANA Agrocredit AD Sofia's current Days Payable of 4.71 is 85.5% 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 ELANA Agrocredit AD Sofia and its competitors. For the Credit Services industry, the median Days Payable is 32.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Days Payable is 4.71, which is 62% below median its own 10-year median of 12.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.53 — trading 17.2% below its estimated fair value. The current Days Payable is 4.71, which is 62% below median its 10-year median of 12.38 and 85.5% below the Credit Services industry median of 32.59. ELANA Agrocredit AD Sofia's overall GF Score™ is 31/100 with 9 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current Days Payable is 4.71 as of Jun. 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 ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.53 is trading 17.2% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
Days Payable: 4.71 (62% below median its 10-year median of 12.38)
GF Value™: €0.64 vs. price of €0.53 (17.2% below fair value)
Industry Position: 85.5% below the Credit Services median (#231 of 302)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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