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* 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.
Cholamandalam Financial Holdings Days Payable Chart
For the Credit Services subindustry, Cholamandalam Financial Holdings'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.
Cholamandalam Financial Holdings Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cholamandalam Financial Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where Cholamandalam Financial Holdings's Days Payable falls into.
Cholamandalam Financial Holdings 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.
* 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.
Cholamandalam Financial Holdings (BOM:504973) has a Days Payable of 18.19 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 Cholamandalam Financial Holdings and its competitors. This is 28% below median its historical median of 25.42. Over the past decade, Cholamandalam Financial Holdings' Days Payable has ranged from 18.98 to 1,595.26. According to the industry distribution chart, Cholamandalam Financial Holdings ranks #181 out of 301 companies in the Credit Services industry, placing it in the top 60.1%.
Is Cholamandalam Financial Holdings' Days Payable too high?
Cholamandalam Financial Holdings' current Days Payable of 18.19 is 28% below median its 10-year median of 25.42. Over the past 10 years, this metric has ranged from a low of 18.98 to a high of 1,595.26. The Credit Services industry median Days Payable is 33.87. Cholamandalam Financial Holdings' value of 18.19 is 46.3% below this industry median. Based on the distribution chart, Cholamandalam Financial Holdings ranks #181 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, Cholamandalam Financial Holdings has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cholamandalam Financial Holdings' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Cholamandalam Financial Holdings ranks #181 out of 301 companies for Days Payable. This places Cholamandalam Financial Holdings in the lower half of its industry. The industry median Days Payable is 33.87. Cholamandalam Financial Holdings' value of 18.19 is 46.3% below this benchmark. Historically, Cholamandalam Financial Holdings' own Days Payable has ranged from 18.98 to 1,595.26 over the past decade. While the company's 10-year median is 25.42 vs. the industry median of 33.87, Cholamandalam Financial Holdings 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 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. Cholamandalam Financial Holdings's current Days Payable of 18.19 is 46.3% 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 Cholamandalam Financial Holdings 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. Cholamandalam Financial Holdings's current Days Payable is 18.19, which is 28% below median its own 10-year median of 25.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cholamandalam Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Cholamandalam Financial Holdings (BOM:504973) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,099.03, compared to a current price of ₹1,575.35 — trading 24.9% below its estimated fair value. The current Days Payable is 18.19, which is 28% below median its 10-year median of 25.42 and 46.3% below the Credit Services industry median of 33.87. Cholamandalam Financial Holdings' overall GF Score™ is 74/100 with 6 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 Cholamandalam Financial Holdings (BOM:504973), the current Days Payable is 18.19 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 Cholamandalam Financial Holdings (BOM:504973) Overvalued in 2026?
Based on GuruFocus' analysis, Cholamandalam Financial Holdings stock appears to be undervalued.
The current stock price of ₹1,575.35 is trading 24.9% below its estimated GF Value™ of ₹2,099.03.
GuruFocus considers Cholamandalam Financial Holdings to be Modestly Undervalued.
Key valuation signals for BOM:504973:
Days Payable: 18.19 (28% below median its 10-year median of 25.42)
GF Value™: ₹2,099.03 vs. price of ₹1,575.35 (24.9% below fair value)
Industry Position: 46.3% below the Credit Services median (#181 of 301)
No single metric tells the full story. See the BOM:504973 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cholamandalam Financial Holdings Business Description
Cholamandalam Financial Holdings Ltd along with its subsidiaries is a diversified investment company under the Murugappa Group. It offers financial services that include general insurance, residential mortgages, auto loans, risk services, and non-banking financial services. The company's activities are located exclusively in India. It has two primary product segments which include the Financial Services segment which derives key revenue and represents its lending business, and the Insurance and allied services segment.
74GF Score
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