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.
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.
* 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.
NCL Research & Financial Services Days Payable Chart
For the Credit Services subindustry, NCL Research & Financial Services'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.
NCL Research & Financial Services Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NCL Research & Financial Services's Days Payable distribution charts can be found below:
* The bar in red indicates where NCL Research & Financial Services's Days Payable falls into.
NCL Research & Financial Services 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.
NCL Research & Financial Services (BOM:530557) has a Days Payable of 6.85 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 NCL Research & Financial Services and its competitors. This is 34% below median its historical median of 10.39. Over the past decade, NCL Research & Financial Services' Days Payable has ranged from 1.31 to 97.35. According to the industry distribution chart, NCL Research & Financial Services ranks #92 out of 301 companies in the Credit Services industry, placing it in the top 30.6%.
Is NCL Research & Financial Services' Days Payable too high?
NCL Research & Financial Services' current Days Payable of 6.85 is 34% below median its 10-year median of 10.39. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 97.35. The Credit Services industry median Days Payable is 33.87. NCL Research & Financial Services' value of 6.85 is 79.8% below this industry median. Based on the distribution chart, NCL Research & Financial Services ranks #92 out of 301 companies in the Credit Services industry, which is above the industry midpoint. Overall, NCL Research & Financial Services has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCL Research & Financial Services' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, NCL Research & Financial Services ranks #92 out of 301 companies for Days Payable. This puts NCL Research & Financial Services in the upper half of its industry. The industry median Days Payable is 33.87. NCL Research & Financial Services' value of 6.85 is 79.8% below this benchmark. Historically, NCL Research & Financial Services' own Days Payable has ranged from 1.31 to 97.35 over the past decade. While the company's 10-year median is 10.39 vs. the industry median of 33.87, NCL Research & Financial Services 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. NCL Research & Financial Services's current Days Payable of 6.85 is 79.8% 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 NCL Research & Financial Services 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. NCL Research & Financial Services's current Days Payable is 6.85, which is 34% below median its own 10-year median of 10.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCL Research & Financial Services stock overvalued right now?
Based on GuruFocus' analysis, NCL Research & Financial Services (BOM:530557) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹0.44, compared to a current price of ₹0.85 — trading 93.2% above its estimated fair value. The current Days Payable is 6.85, which is 34% below median its 10-year median of 10.39 and 79.8% below the Credit Services industry median of 33.87. NCL Research & Financial Services' overall GF Score™ is 42/100 with 5 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 NCL Research & Financial Services (BOM:530557), the current Days Payable is 6.85 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 NCL Research & Financial Services (BOM:530557) Overvalued in 2026?
Based on GuruFocus' analysis, NCL Research & Financial Services stock appears to be overvalued.
The current stock price of ₹0.85 is trading 93.2% above its estimated GF Value™ of ₹0.44.
GuruFocus considers NCL Research & Financial Services to be Significantly Overvalued.
Key valuation signals for BOM:530557:
Days Payable: 6.85 (34% below median its 10-year median of 10.39)
GF Value™: ₹0.44 vs. price of ₹0.85 (93.2% above fair value)
Industry Position: 79.8% below the Credit Services median (#92 of 301)
No single metric tells the full story. See the BOM:530557 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCL Research & Financial Services Business Description
NCL Research & Financial Services Ltd is a Non-Banking financing company engaged in the business of finance and investments. It trades in both the Equity and FNO segments and also in the Commodities market, along with its financing activities. The company generates the majority of its revenue from Interest Income.
42GF Score
Get the complete analysis for BOM:530557
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:530557 has been successfully added to your 
