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Real Touch FinanceBOM:538611 76 Days Payable is 10.92 as of Jun. 2026, which is 30% above its 10-year median of 8.42. GuruFocus rates BOM:538611 with a GF Score™ of 76/100 and a GF Value™ of ₹72.98 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 301 Credit Services companies, Real Touch Finance ranks worse than 80.4% on this metric.
The historical rank and industry rank for Real Touch Finance's Days Payable or its related term are showing as below:
BOM:538611'
s Days Payable Range Over the Past 10 Years
Min: 6.55 Med: 8.42 Max: 9.33
Current: 6.55
During the past 13 years, Real Touch Finance's highest Days Payable was 9.33. The lowest was 6.55. And the median was 8.42.
BOM:538611's Days Payable is ranked worse than 80.4% of 301
companies
in the Credit Services industry
Industry Median: 32.21
vs BOM:538611: 6.55
Real Touch Finance's Days Payable
increased
from Jun. 2025 (7.82) to Jun. 2026 (10.92).
It may suggest that Real Touch Financedelayed paying its suppliers.
The historical data trend for Real Touch 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, Real Touch 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.
Real Touch Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Real Touch Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Real Touch 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.
Real Touch 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.
Real Touch Finance (BOM:538611) has a Days Payable of 10.92 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 Real Touch Finance and its competitors. This is 30% above median its historical median of 8.42. Over the past decade, Real Touch Finance's Days Payable has ranged from 6.55 to 9.33. According to the industry distribution chart, Real Touch Finance ranks #242 out of 301 companies in the Credit Services industry, placing it in the top 80.4%.
Is Real Touch Finance's Days Payable too high?
Real Touch Finance's current Days Payable of 10.92 is 30% above median its 10-year median of 8.42. Over the past 10 years, this metric has ranged from a low of 6.55 to a high of 9.33. The Credit Services industry median Days Payable is 32.21. Real Touch Finance's value of 10.92 is 66.1% below this industry median. Based on the distribution chart, Real Touch Finance ranks #242 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Real Touch Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Real Touch Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Real Touch Finance ranks #242 out of 301 companies for Days Payable. This places Real Touch Finance in the lower half of its industry. The industry median Days Payable is 32.21. Real Touch Finance's value of 10.92 is 66.1% below this benchmark. Historically, Real Touch Finance's own Days Payable has ranged from 6.55 to 9.33 over the past decade. While the company's 10-year median is 8.42 vs. the industry median of 32.21, Real Touch 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 Credit Services company?
The median Days Payable among Credit Services companies is 32.21, 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. Real Touch Finance's current Days Payable of 10.92 is 66.1% 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 Real Touch Finance and its competitors. For the Credit Services industry, the median Days Payable is 32.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Real Touch Finance's current Days Payable is 10.92, which is 30% above median its own 10-year median of 8.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Real Touch Finance stock overvalued right now?
Based on GuruFocus' analysis, Real Touch Finance (BOM:538611) is currently considered Possible Value Trap. The stock's GF Value™ is ₹72.98, compared to a current price of ₹42.87 — trading 41.3% below its estimated fair value. The current Days Payable is 10.92, which is 30% above median its 10-year median of 8.42 and 66.1% below the Credit Services industry median of 32.21. Real Touch Finance's overall GF Score™ is 76/100 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 Real Touch Finance (BOM:538611), the current Days Payable is 10.92 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 Real Touch Finance (BOM:538611) Overvalued in 2026?
Based on GuruFocus' analysis, Real Touch Finance stock appears to be undervalued.
The current stock price of ₹42.87 is trading 41.3% below its estimated GF Value™ of ₹72.98.
GuruFocus considers Real Touch Finance to be Possible Value Trap.
Key valuation signals for BOM:538611:
Days Payable: 10.92 (30% above median its 10-year median of 8.42)
GF Value™: ₹72.98 vs. price of ₹42.87 (41.3% below fair value)
Industry Position: 66.1% below the Credit Services median (#242 of 301)
No single metric tells the full story. See the BOM:538611 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Real Touch Finance Ltd is a non-banking finance company. The Company is engaged in providing loans for business purposes against property mortgage, financial institutions lending and personal loans. The company operates in India and derives primary revenue from the interest income.
76GF Score
Get the complete analysis for BOM:538611
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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