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Ceejay FinanceBOM:530789 +4.28%72 Days Payable is 115.60 as of Mar. 2026, which is 54% above its 10-year median of 75.22. GuruFocus rates BOM:530789 with a GF Score™ of 72/100 and a GF Value™ of ₹212.61 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 302 Credit Services companies, Ceejay Finance ranks better than 72.19% on this metric.
The historical data trend for Ceejay 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, Ceejay 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.
Ceejay Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ceejay Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Ceejay 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.
Ceejay 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.
Ceejay Finance (BOM:530789) has a Days Payable of 115.60 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 Ceejay Finance and its competitors. This is 54% above median its historical median of 75.22. Over the past decade, Ceejay Finance's Days Payable has ranged from 61.85 to 112.04. According to the industry distribution chart, Ceejay Finance ranks #84 out of 302 companies in the Credit Services industry, placing it in the top 27.8%.
Is Ceejay Finance's Days Payable too high?
Ceejay Finance's current Days Payable of 115.60 is 54% above median its 10-year median of 75.22. Over the past 10 years, this metric has ranged from a low of 61.85 to a high of 112.04. The Credit Services industry median Days Payable is 32.59. Ceejay Finance's value of 115.60 is 254.7% above this industry median. Based on the distribution chart, Ceejay Finance ranks #84 out of 302 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ceejay Finance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ceejay Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Ceejay Finance ranks #84 out of 302 companies for Days Payable. This puts Ceejay Finance in the upper half of its industry. The industry median Days Payable is 32.59. Ceejay Finance's value of 115.60 is 254.7% above this benchmark. Historically, Ceejay Finance's own Days Payable has ranged from 61.85 to 112.04 over the past decade. While the company's 10-year median is 75.22 vs. the industry median of 32.59, Ceejay 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 32.59, based on 302 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. Ceejay Finance's current Days Payable of 115.60 is 254.7% 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 Ceejay Finance and its competitors. For the Credit Services industry, the median Days Payable is 32.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ceejay Finance's current Days Payable is 115.60, which is 54% above median its own 10-year median of 75.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ceejay Finance stock overvalued right now?
Based on GuruFocus' analysis, Ceejay Finance (BOM:530789) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹212.61, compared to a current price of ₹187.70 — trading 11.7% below its estimated fair value. The current Days Payable is 115.60, which is 54% above median its 10-year median of 75.22 and 254.7% above the Credit Services industry median of 32.59. Ceejay Finance's overall GF Score™ is 72/100 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 Ceejay Finance (BOM:530789), the current Days Payable is 115.60 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 Ceejay Finance (BOM:530789) Overvalued in 2026?
Based on GuruFocus' analysis, Ceejay Finance stock appears to be undervalued.
The current stock price of ₹187.70 is trading 11.7% below its estimated GF Value™ of ₹212.61.
GuruFocus considers Ceejay Finance to be Modestly Undervalued.
Key valuation signals for BOM:530789:
Days Payable: 115.60 (54% above median its 10-year median of 75.22)
GF Value™: ₹212.61 vs. price of ₹187.70 (11.7% below fair value)
Industry Position: 254.7% above the Credit Services median (#84 of 302)
No single metric tells the full story. See the BOM:530789 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ceejay Finance Ltd is a Non- Banking Financial Company operating in India. The company provides customized and flexible loans for new and used two-wheeler vehicles and four-wheeler loans to individuals and small businesses. It also offers Commercial loans, Personal loans, Loans against property, Microfinance loans, SME business loans, and Insurance services. The company's share of revenue comes from the interest amount generated on two-wheeler financing in rural areas. It is engaged in one business segment which is Finance service.
72GF Score
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