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Margo FinanceBOM:500206 +3.04%50 Days Payable is 79.43 as of Mar. 2026, which is 84% above its 10-year median of 43.25. GuruFocus rates BOM:500206 with a GF Score™ of 50/100 and a GF Value™ of ₹134.73 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 300 Credit Services companies, Margo Finance ranks better than 65% on this metric.
The historical rank and industry rank for Margo Finance's Days Payable or its related term are showing as below:
BOM:500206'
s Days Payable Range Over the Past 10 Years
Min: 17.68 Med: 43.25 Max: 78.47
Current: 72.53
During the past 13 years, Margo Finance's highest Days Payable was 78.47. The lowest was 17.68. And the median was 43.25.
BOM:500206's Days Payable is ranked better than 65% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs BOM:500206: 72.53
Margo Finance's Days Payable
declined
from Mar. 2025 (83.40) to Mar. 2026 (79.43).
It may suggest that Margo Financeaccelerated paying its suppliers.
Margo Finance Days Payable Related Terms
Margo Finance Days Payable Historical Data
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The historical data trend for Margo Finance'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, Margo Finance'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.
Margo Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Margo Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Margo Finance'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.
Margo Finance's Days Payable for the fiscal year that ended in Mar. 2026 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.
Margo Finance (BOM:500206) has a Days Payable of 79.43 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 Margo Finance and its competitors. This is 84% above median its historical median of 43.25. Over the past decade, Margo Finance's Days Payable has ranged from 17.68 to 78.47. According to the industry distribution chart, Margo Finance ranks #105 out of 300 companies in the Credit Services industry, placing it in the top 35%.
Is Margo Finance's Days Payable too high?
Margo Finance's current Days Payable of 79.43 is 84% above median its 10-year median of 43.25. Over the past 10 years, this metric has ranged from a low of 17.68 to a high of 78.47. The Credit Services industry median Days Payable is 33.41. Margo Finance's value of 79.43 is 137.8% above this industry median. Based on the distribution chart, Margo Finance ranks #105 out of 300 companies in the Credit Services industry, which is above the industry midpoint. Overall, Margo Finance has a GF Score™ of 50/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Margo Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Margo Finance ranks #105 out of 300 companies for Days Payable. This puts Margo Finance in the upper half of its industry. The industry median Days Payable is 33.41. Margo Finance's value of 79.43 is 137.8% above this benchmark. Historically, Margo Finance's own Days Payable has ranged from 17.68 to 78.47 over the past decade. While the company's 10-year median is 43.25 vs. the industry median of 33.41, Margo Finance 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 33.41, based on 300 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. Margo Finance's current Days Payable of 79.43 is 137.8% 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 Margo Finance and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Margo Finance's current Days Payable is 79.43, which is 84% above median its own 10-year median of 43.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Margo Finance stock overvalued right now?
Based on GuruFocus' analysis, Margo Finance (BOM:500206) is currently considered Possible Value Trap. The stock's GF Value™ is ₹134.73, compared to a current price of ₹66.78 — trading 50.4% below its estimated fair value. The current Days Payable is 79.43, which is 84% above median its 10-year median of 43.25 and 137.8% above the Credit Services industry median of 33.41. Margo Finance's overall GF Score™ is 50/100 with 2 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 Margo Finance (BOM:500206), the current Days Payable is 79.43 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 Margo Finance (BOM:500206) Overvalued in 2026?
Based on GuruFocus' analysis, Margo Finance stock appears to be undervalued.
The current stock price of ₹66.78 is trading 50.4% below its estimated GF Value™ of ₹134.73.
GuruFocus considers Margo Finance to be Possible Value Trap.
Key valuation signals for BOM:500206:
Days Payable: 79.43 (84% above median its 10-year median of 43.25)
GF Value™: ₹134.73 vs. price of ₹66.78 (50.4% below fair value)
Industry Position: 137.8% above the Credit Services median (#105 of 300)
No single metric tells the full story. See the BOM:500206 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Margo Finance Ltd is a non-deposit accepting non-banking financial company. The company is engaged in Investment and investment-related financial activities.
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