Dhruva Capital ServicesBOM:531237 -1.97%68 Days Payable is 3.68 as of Mar. 2026, which is 98% below its 10-year median of 179.60. GuruFocus rates BOM:531237 with a GF Score™ of 68/100 and a GF Value™ of ₹346.68 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 301 Credit Services companies, Dhruva Capital Services ranks worse than 77.41% on this metric.
* 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, Dhruva Capital 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.
Dhruva Capital Services Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhruva Capital Services's Days Payable distribution charts can be found below:
* The bar in red indicates where Dhruva Capital Services'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.
Dhruva Capital Services'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.
Dhruva Capital Services (BOM:531237) has a Days Payable of 3.68 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 Dhruva Capital Services and its competitors. This is 98% below median its historical median of 179.60. Over the past decade, Dhruva Capital Services' Days Payable has ranged from 6.42 to 771.32. According to the industry distribution chart, Dhruva Capital Services ranks #233 out of 301 companies in the Credit Services industry, placing it in the top 77.4%.
Is Dhruva Capital Services' Days Payable too high?
Dhruva Capital Services' current Days Payable of 3.68 is 98% below median its 10-year median of 179.60. Over the past 10 years, this metric has ranged from a low of 6.42 to a high of 771.32. The Credit Services industry median Days Payable is 33.87. Dhruva Capital Services' value of 3.68 is 89.1% below this industry median. Based on the distribution chart, Dhruva Capital Services ranks #233 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Dhruva Capital Services has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhruva Capital Services' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Dhruva Capital Services ranks #233 out of 301 companies for Days Payable. This places Dhruva Capital Services in the lower half of its industry. The industry median Days Payable is 33.87. Dhruva Capital Services' value of 3.68 is 89.1% below this benchmark. Historically, Dhruva Capital Services' own Days Payable has ranged from 6.42 to 771.32 over the past decade. While the company's 10-year median is 179.60 vs. the industry median of 33.87, Dhruva Capital 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. Dhruva Capital Services's current Days Payable of 3.68 is 89.1% 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 Dhruva Capital 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. Dhruva Capital Services's current Days Payable is 3.68, which is 98% below median its own 10-year median of 179.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhruva Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Dhruva Capital Services (BOM:531237) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹346.68, compared to a current price of ₹425.00 — trading 22.6% above its estimated fair value. The current Days Payable is 3.68, which is 98% below median its 10-year median of 179.60 and 89.1% below the Credit Services industry median of 33.87. Dhruva Capital Services' overall GF Score™ is 68/100 with 10 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 Dhruva Capital Services (BOM:531237), the current Days Payable is 3.68 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 Dhruva Capital Services (BOM:531237) Overvalued in 2026?
Based on GuruFocus' analysis, Dhruva Capital Services stock appears to be overvalued.
The current stock price of ₹425.00 is trading 22.6% above its estimated GF Value™ of ₹346.68.
GuruFocus considers Dhruva Capital Services to be Modestly Overvalued.
Key valuation signals for BOM:531237:
Days Payable: 3.68 (98% below median its 10-year median of 179.60)
GF Value™: ₹346.68 vs. price of ₹425.00 (22.6% above fair value)
Industry Position: 89.1% below the Credit Services median (#233 of 301)
No single metric tells the full story. See the BOM:531237 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhruva Capital Services Ltd is an Indian Non-Banking Financial Company (NBFC) established in 1994 and headquartered in Udaipur, Rajasthan. The company is registered with the Reserve Bank of India and focuses on investment and financing activities. Its services include business and personal financing, loan against property, commercial vehicle loans, invoice discounting, construction finance, and lease rental discounting. Dhruva Capital serves both individual clients and business owners by offering tailored financial solutions to support business ventures and personal financial needs. Revenue is prominently generated through interest income and fees from its financing operations.
68GF Score
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