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X FinancialXYF +2.66%76 Days Payable is 426.59 as of Jun. 2026, which is 26% below its 10-year median of 574.67. GuruFocus rates XYF with a GF Score™ of 76/100 and a GF Value™ of $6.70 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 301 Credit Services companies, X Financial ranks better than 89.37% on this metric.
X Financial's average Accounts Payable for the
three
months ended in Jun. 2026 was $291.5 Mil. X Financial's Cost of Goods Sold for the
three
months ended in Jun. 2026 was $62.4 Mil.
Hence, X Financial's Days Payable for the
three
months ended in Jun. 2026 was 426.59.
The historical rank and industry rank for X Financial's Days Payable or its related term are showing as below:
XYF'
s Days Payable Range Over the Past 10 Years
Min: 17.61 Med: 574.67 Max: 744.08
Current: 456.24
During the past 10 years, X Financial's highest Days Payable was 744.08. The lowest was 17.61. And the median was 574.67.
XYF's Days Payable is ranked better than 89.37% of 301
companies
in the Credit Services industry
Industry Median: 32.94
vs XYF: 456.24
X Financial's Days Payable
increased
from Jun. 2025 (365.53) to Jun. 2026 (426.59).
It may suggest that X Financialdelayed paying its suppliers.
The historical data trend for X 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, X 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.
X Financial Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, X Financial's Days Payable distribution charts can be found below:
* The bar in red indicates where X 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.
X 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.
X Financial (XYF) has a Days Payable of 426.59 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 X Financial and its competitors. This is 26% below median its historical median of 574.67. Over the past decade, X Financial's Days Payable has ranged from 17.61 to 744.08. According to the industry distribution chart, X Financial ranks #32 out of 301 companies in the Credit Services industry, placing it in the top 10.6%.
Is X Financial's Days Payable too high?
X Financial's current Days Payable of 426.59 is 26% below median its 10-year median of 574.67. Over the past 10 years, this metric has ranged from a low of 17.61 to a high of 744.08. The Credit Services industry median Days Payable is 32.94. X Financial's value of 426.59 is 1195.1% above this industry median. Based on the distribution chart, X Financial ranks #32 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, X Financial has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does X Financial's Days Payable compare to CPSS and FOA?
According to the Credit Services industry distribution chart, X Financial ranks #32 out of 301 companies for Days Payable. This places X Financial in the top 11% of its industry — outperforming the majority of peers. The industry median Days Payable is 32.94. X Financial's value of 426.59 is 1195.1% above this benchmark. Historically, X Financial's own Days Payable has ranged from 17.61 to 744.08 over the past decade. While the company's 10-year median is 574.67 vs. the industry median of 32.94, X 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 32.94, 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. X Financial's current Days Payable of 426.59 is 1195.1% 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 X Financial and its competitors. For the Credit Services industry, the median Days Payable is 32.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. X Financial's current Days Payable is 426.59, which is 26% below median its own 10-year median of 574.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is X Financial stock overvalued right now?
Based on GuruFocus' analysis, X Financial (XYF) is currently considered Modestly Undervalued. The stock's GF Value™ is $6.70, compared to a current price of $5.40 — trading 19.4% below its estimated fair value. The current Days Payable is 426.59, which is 26% below median its 10-year median of 574.67 and 1195.1% above the Credit Services industry median of 32.94. X Financial's overall GF Score™ is 76/100 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 X Financial (XYF), the current Days Payable is 426.59 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 X Financial (XYF) Overvalued in 2026?
Based on GuruFocus' analysis, X Financial stock appears to be undervalued.
The current stock price of $5.40 is trading 19.4% below its estimated GF Value™ of $6.70.
GuruFocus considers X Financial to be Modestly Undervalued.
Key valuation signals for XYF:
Days Payable: 426.59 (26% below median its 10-year median of 574.67)
GF Value™: $6.70 vs. price of $5.40 (19.4% below fair value)
Industry Position: 1195.1% above the Credit Services median (#32 of 301)
No single metric tells the full story. See the XYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.
76GF Score
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