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Poonawalla FincorpBOM:524000 -0.79%63 Days Payable is 0.37 as of Jun. 2026, which is 98% below its 10-year median of 20.32. GuruFocus rates BOM:524000 with a GF Score™ of 63/100 and a GF Value™ of ₹770.79 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 303 Credit Services companies, Poonawalla Fincorp ranks worse than 96.7% on this metric.
The historical rank and industry rank for Poonawalla Fincorp's Days Payable or its related term are showing as below:
BOM:524000'
s Days Payable Range Over the Past 10 Years
Min: 0.45 Med: 20.32 Max: 102.03
Current: 0.63
During the past 13 years, Poonawalla Fincorp's highest Days Payable was 102.03. The lowest was 0.45. And the median was 20.32.
BOM:524000's Days Payable is ranked worse than 96.7% of 303
companies
in the Credit Services industry
Industry Median: 32.75
vs BOM:524000: 0.63
Poonawalla Fincorp's Days Payable
declined
from Jun. 2025 (0.47) to Jun. 2026 (0.37).
It may suggest that Poonawalla Fincorpaccelerated paying its suppliers.
The historical data trend for Poonawalla Fincorp'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, Poonawalla Fincorp'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.
Poonawalla Fincorp Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Poonawalla Fincorp's Days Payable distribution charts can be found below:
* The bar in red indicates where Poonawalla Fincorp'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.
Poonawalla Fincorp'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.
Poonawalla Fincorp (BOM:524000) has a Days Payable of 0.37 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 Poonawalla Fincorp and its competitors. This is 98% below median its historical median of 20.32. Over the past decade, Poonawalla Fincorp's Days Payable has ranged from 0.45 to 102.03. According to the industry distribution chart, Poonawalla Fincorp ranks #293 out of 303 companies in the Credit Services industry, placing it in the top 96.7%.
Is Poonawalla Fincorp's Days Payable too high?
Poonawalla Fincorp's current Days Payable of 0.37 is 98% below median its 10-year median of 20.32. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 102.03. The Credit Services industry median Days Payable is 32.75. Poonawalla Fincorp's value of 0.37 is 98.9% below this industry median. Based on the distribution chart, Poonawalla Fincorp ranks #293 out of 303 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Poonawalla Fincorp has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Poonawalla Fincorp's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Poonawalla Fincorp ranks #293 out of 303 companies for Days Payable. This places Poonawalla Fincorp in the lower half of its industry. The industry median Days Payable is 32.75. Poonawalla Fincorp's value of 0.37 is 98.9% below this benchmark. Historically, Poonawalla Fincorp's own Days Payable has ranged from 0.45 to 102.03 over the past decade. While the company's 10-year median is 20.32 vs. the industry median of 32.75, Poonawalla Fincorp 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 32.75, based on 303 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. Poonawalla Fincorp's current Days Payable of 0.37 is 98.9% 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 Poonawalla Fincorp and its competitors. For the Credit Services industry, the median Days Payable is 32.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Poonawalla Fincorp's current Days Payable is 0.37, which is 98% below median its own 10-year median of 20.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Poonawalla Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Poonawalla Fincorp (BOM:524000) is currently considered Possible Value Trap. The stock's GF Value™ is ₹770.79, compared to a current price of ₹476.10 — trading 38.2% below its estimated fair value. The current Days Payable is 0.37, which is 98% below median its 10-year median of 20.32 and 98.9% below the Credit Services industry median of 32.75. Poonawalla Fincorp's overall GF Score™ is 63/100 with 8 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 Poonawalla Fincorp (BOM:524000), the current Days Payable is 0.37 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 Poonawalla Fincorp (BOM:524000) Overvalued in 2026?
Based on GuruFocus' analysis, Poonawalla Fincorp stock appears to be undervalued.
The current stock price of ₹476.10 is trading 38.2% below its estimated GF Value™ of ₹770.79.
GuruFocus considers Poonawalla Fincorp to be Possible Value Trap.
Key valuation signals for BOM:524000:
Days Payable: 0.37 (98% below median its 10-year median of 20.32)
GF Value™: ₹770.79 vs. price of ₹476.10 (38.2% below fair value)
Industry Position: 98.9% below the Credit Services median (#293 of 303)
No single metric tells the full story. See the BOM:524000 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Poonawalla Fincorp Ltd is a non-banking finance company engaged in providing asset finance. It offers personal loans, business loans, professional loans, credit cards, other loans, and quick pay. Its only operating segment is financing. Geographically, it derives revenue from India.
63GF Score
Get the complete analysis for BOM:524000
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