GIC Housing FinanceBOM:511676 -1.68%64 Days Payable is 14.85 as of Mar. 2026, which is 2% above its 10-year median of 14.60. GuruFocus rates BOM:511676 with a GF Score™ of 64/100 and a GF Value™ of ₹192.56 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 32 Banks companies, GIC Housing Finance ranks worse than 68.75% on this metric.
The historical rank and industry rank for GIC Housing Finance's Days Payable or its related term are showing as below:
BOM:511676'
s Days Payable Range Over the Past 10 Years
Min: 7.34 Med: 14.6 Max: 19.45
Current: 7.34
During the past 13 years, GIC Housing Finance's highest Days Payable was 19.45. The lowest was 7.34. And the median was 14.60.
BOM:511676's Days Payable is ranked worse than 68.75% of 32
companies
in the Banks industry
Industry Median: 32.045
vs BOM:511676: 7.34
GIC Housing Finance's Days Payable
increased
from Mar. 2025 (10.43) to Mar. 2026 (14.85).
It may suggest that GIC Housing Financedelayed paying its suppliers.
GIC Housing Finance Days Payable Related Terms
GIC Housing Finance Days Payable Historical Data
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The historical data trend for GIC Housing 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.
BOM:511676 vs RKT, FNMA, PFSI: Days Payable Comparison
For the Mortgage Finance subindustry, GIC Housing 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.
GIC Housing Finance Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where GIC Housing 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.
GIC Housing 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.
GIC Housing Finance (BOM:511676) has a Days Payable of 14.85 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 GIC Housing Finance and its competitors. This is near median its historical median of 14.60. Over the past decade, GIC Housing Finance's Days Payable has ranged from 7.34 to 19.45. According to the industry distribution chart, GIC Housing Finance ranks #22 out of 32 companies in the Banks industry, placing it in the top 68.7%.
Is GIC Housing Finance's Days Payable too high?
GIC Housing Finance's current Days Payable of 14.85 is near median its 10-year median of 14.60. Over the past 10 years, this metric has ranged from a low of 7.34 to a high of 19.45. The Banks industry median Days Payable is 32.05. GIC Housing Finance's value of 14.85 is 53.7% below this industry median. Based on the distribution chart, GIC Housing Finance ranks #22 out of 32 companies in the Banks industry, which is below the industry midpoint. Overall, GIC Housing Finance has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #22 out of 32 companies for Days Payable. This places GIC Housing Finance in the lower half of its industry. The industry median Days Payable is 32.05. GIC Housing Finance's value of 14.85 is 53.7% below this benchmark. Historically, GIC Housing Finance's own Days Payable has ranged from 7.34 to 19.45 over the past decade. While the company's 10-year median is 14.60 vs. the industry median of 32.05, GIC Housing Finance 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 Banks company?
The median Days Payable among Banks companies is 32.05, based on 32 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. GIC Housing Finance's current Days Payable of 14.85 is 53.7% 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 GIC Housing Finance and its competitors. For the Banks industry, the median Days Payable is 32.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Days Payable is 14.85, which is near median its own 10-year median of 14.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹192.56, compared to a current price of ₹152.40 — trading 20.9% below its estimated fair value. The current Days Payable is 14.85, which is near median its 10-year median of 14.60 and 53.7% below the Banks industry median of 32.05. GIC Housing Finance's overall GF Score™ is 64/100 with 7 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 GIC Housing Finance (BOM:511676), the current Days Payable is 14.85 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 GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹152.40 is trading 20.9% below its estimated GF Value™ of ₹192.56.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Days Payable: 14.85 (near median its 10-year median of 14.60)
GF Value™: ₹192.56 vs. price of ₹152.40 (20.9% below fair value)
Industry Position: 53.7% below the Banks median (#22 of 32)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
64GF Score
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