Akcept Finance (WAR:AFC) Short-Term Debt: zł5.10 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Founder & CEO of GuruFocus
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.

WAR:AFC Akcept Finance SA WAR:AFC
30 GF Score
Price zł0.20
GF Value zł0.39
Valuation Possible Value Trap
! 4 Warning Signs
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What is Akcept Finance Short-Term Debt?

Akcept Finance WAR:AFC 30 Short-Term Debt is zł5.10 Mil as of Mar. 2026. GuruFocus rates WAR:AFC with a GF Score™ of 30/100 and a GF Value™ of zł0.39 (Possible Value Trap). The stock has 4 warning signs investors should review.

Akcept Finance's Short-Term Debt for the quarter that ended in Mar. 2026 was zł5.10 Mil.

Akcept Finance's quarterly Short-Term Debt increased from Sep. 2025 (zł3.89 Mil) to Dec. 2025 (zł5.00 Mil) and increased from Dec. 2025 (zł5.00 Mil) to Mar. 2026 (zł5.10 Mil).

Akcept Finance's annual Short-Term Debt declined from Dec. 2023 (zł5.86 Mil) to Dec. 2024 (zł3.48 Mil) but then increased from Dec. 2024 (zł3.48 Mil) to Dec. 2025 (zł5.00 Mil).

Akcept Finance Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Akcept Finance Short-Term Debt Related Terms

Akcept Finance Short-Term Debt Historical Data

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The historical data trend for Akcept Finance's Short-Term Debt 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.

Akcept Finance Short-Term Debt Chart

Akcept Finance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.01 3.44 5.86 3.48 5.00

Akcept Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.51 3.76 3.89 5.00 5.10
WAR:AFC
30GF Score
Akcept Finance SA WAR:AFC
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of zł5.10 Mil mean?
Akcept Finance (WAR:AFC) has a Short-Term Debt of zł5.10 Mil as of Mar. 2026.
Is Akcept Finance's Short-Term Debt too high?
Akcept Finance's current Short-Term Debt is zł5.10 Mil. Overall, Akcept Finance has a GF Score™ of 30/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Akcept Finance's Short-Term Debt compare to V and MA?
Akcept Finance's Short-Term Debt of zł5.10 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Credit Services company?
A good Short-Term Debt depends on the Credit Services industry context. However, Short-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Akcept Finance's current Short-Term Debt is zł5.10 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Akcept Finance stock overvalued right now?
Based on GuruFocus' analysis, Akcept Finance (WAR:AFC) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.39, compared to a current price of zł0.20 — trading 49.7% below its estimated fair value. The current Short-Term Debt is zł5.10 Mil. Akcept Finance's overall GF Score™ is 30/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Akcept Finance (WAR:AFC), the current Short-Term Debt is zł5.10 Mil 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 Akcept Finance (WAR:AFC) Overvalued in 2026?

Based on GuruFocus' analysis, Akcept Finance stock appears to be undervalued. The current stock price of zł0.20 is trading 49.7% below its estimated GF Value™ of zł0.39. GuruFocus considers Akcept Finance to be Possible Value Trap.

Key valuation signals for WAR:AFC:

  • Short-Term Debt: zł5.10 Mil
  • GF Value™: zł0.39 vs. price of zł0.20 (49.7% below fair value)
  • GF Score™: 30/100 with 4 warning signs

No single metric tells the full story. See the WAR:AFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Akcept Finance Business Description

Address Ulica Mikolowska 29, Myslowice, POL, 41-400
Akcept Finance SA provides various financial services to micro-enterprises, SMEs, and publicly traded companies. The company's financial services include full factoring services, half-factoring, discounting of bills and funds raising in Europe.
30GF Score

Get the complete analysis for WAR:AFC

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.20
Price
zł0.39
GF Value