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.
For the Credit Services subindustry, Gilada Finance & Investments'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.
Gilada Finance & Investments Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Gilada Finance & Investments's Days Payable distribution charts can be found below:
* The bar in red indicates where Gilada Finance & Investments's Days Payable falls into.
Gilada Finance & Investments 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.
Gilada Finance & Investments (BOM:538788) has a Days Payable of 9.93 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 Gilada Finance & Investments and its competitors. This is 71% below median its historical median of 34.83. Over the past decade, Gilada Finance & Investments' Days Payable has ranged from 8.81 to 131.48. According to the industry distribution chart, Gilada Finance & Investments ranks #221 out of 301 companies in the Credit Services industry, placing it in the top 73.4%.
Is Gilada Finance & Investments' Days Payable too high?
Gilada Finance & Investments' current Days Payable of 9.93 is 71% below median its 10-year median of 34.83. Over the past 10 years, this metric has ranged from a low of 8.81 to a high of 131.48. The Credit Services industry median Days Payable is 33.87. Gilada Finance & Investments' value of 9.93 is 70.7% below this industry median. Based on the distribution chart, Gilada Finance & Investments ranks #221 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, Gilada Finance & Investments has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Gilada Finance & Investments' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Gilada Finance & Investments ranks #221 out of 301 companies for Days Payable. This places Gilada Finance & Investments in the lower half of its industry. The industry median Days Payable is 33.87. Gilada Finance & Investments' value of 9.93 is 70.7% below this benchmark. Historically, Gilada Finance & Investments' own Days Payable has ranged from 8.81 to 131.48 over the past decade. While the company's 10-year median is 34.83 vs. the industry median of 33.87, Gilada Finance & Investments 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. Gilada Finance & Investments's current Days Payable of 9.93 is 70.7% 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 Gilada Finance & Investments 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. Gilada Finance & Investments's current Days Payable is 9.93, which is 71% below median its own 10-year median of 34.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gilada Finance & Investments stock overvalued right now?
Based on GuruFocus' analysis, Gilada Finance & Investments (BOM:538788) is currently considered Fairly Valued. The stock's GF Value™ is ₹14.82, compared to a current price of ₹14.16 — trading 4.5% below its estimated fair value. The current Days Payable is 9.93, which is 71% below median its 10-year median of 34.83 and 70.7% below the Credit Services industry median of 33.87. Gilada Finance & Investments' overall GF Score™ is 75/100 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 Gilada Finance & Investments (BOM:538788), the current Days Payable is 9.93 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 Gilada Finance & Investments (BOM:538788) Overvalued in 2026?
Based on GuruFocus' analysis, Gilada Finance & Investments stock appears to be undervalued.
The current stock price of ₹14.16 is trading 4.5% below its estimated GF Value™ of ₹14.82.
GuruFocus considers Gilada Finance & Investments to be Fairly Valued.
Key valuation signals for BOM:538788:
Days Payable: 9.93 (71% below median its 10-year median of 34.83)
GF Value™: ₹14.82 vs. price of ₹14.16 (4.5% below fair value)
Industry Position: 70.7% below the Credit Services median (#221 of 301)
No single metric tells the full story. See the BOM:538788 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gilada Finance & Investments Ltd is an India based company. The business operates in one segment which is Vehicle small business loans and mortgage loans. The service line of the company consists of hire purchase, leasing, mortgage loans, short-term finance, and loan syndication. The company receives maximum revenue from finance charges on hypothecated loans. Geographically, the company offers its services only in India.
75GF Score
Get the complete analysis for BOM:538788
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:538788 has been successfully added to your 
