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* 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, Scintilla Commercial & Credit'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.
Scintilla Commercial & Credit Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's Days Payable distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & Credit's Days Payable falls into.
Scintilla Commercial & Credit 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.
Scintilla Commercial & Credit (BOM:538857) has a Days Payable of 0.00 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 Scintilla Commercial & Credit and its competitors. Over the past decade, Scintilla Commercial & Credit's Days Payable has ranged from 17.39 to 329.34. According to the industry distribution chart, Scintilla Commercial & Credit ranks #189 out of 302 companies in the Credit Services industry, placing it in the top 62.6%.
Is Scintilla Commercial & Credit's Days Payable too high?
Scintilla Commercial & Credit's current Days Payable is 0.00. Over the past 10 years, this metric has ranged from a low of 17.39 to a high of 329.34. Based on the distribution chart, Scintilla Commercial & Credit ranks #189 out of 302 companies in the Credit Services industry, which is below the industry midpoint. Overall, Scintilla Commercial & Credit has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scintilla Commercial & Credit's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #189 out of 302 companies for Days Payable. This places Scintilla Commercial & Credit in the lower half of its industry. The industry median Days Payable is 33.46. Historically, Scintilla Commercial & Credit's own Days Payable has ranged from 17.39 to 329.34 over the past decade. 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 33.46, 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. 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 Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current Days Payable is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scintilla Commercial & Credit stock overvalued right now?
Based on GuruFocus' analysis, Scintilla Commercial & Credit (BOM:538857) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.67, compared to a current price of ₹12.20 — trading 115.2% above its estimated fair value. The current Days Payable is 0.00. Scintilla Commercial & Credit's overall GF Score™ is 38/100 with 3 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 Scintilla Commercial & Credit (BOM:538857), the current Days Payable is 0.00 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 Scintilla Commercial & Credit (BOM:538857) Overvalued in 2026?
Based on GuruFocus' analysis, Scintilla Commercial & Credit stock appears to be overvalued.
The current stock price of ₹12.20 is trading 115.2% above its estimated GF Value™ of ₹5.67.
GuruFocus considers Scintilla Commercial & Credit to be Significantly Overvalued.
Key valuation signals for BOM:538857:
Days Payable: 0.00
GF Value™: ₹5.67 vs. price of ₹12.20 (115.2% above fair value)
No single metric tells the full story. See the BOM:538857 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scintilla Commercial & Credit Ltd is a non-banking financial company. The company is engaged in the business of providing loans and advances and investment in shares of other companies. The company generates revenue from Interest income.
38GF Score
Get the complete analysis for BOM:538857
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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