Northlink Fiscal and Capital Services (BOM:539110) Days Payable: 11.71 (As of Mar. 2026) — 25% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

BOM:539110 Northlink Fiscal and Capital Services Ltd BOM:539110
56 GF Score
Price ₹24.40
GF Value ₹19.31
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Northlink Fiscal and Capital Services Days Payable?

Northlink Fiscal and Capital Services BOM:539110 56 Days Payable is 11.71 as of Mar. 2026, which is 25% below its 10-year median of 15.69. GuruFocus rates BOM:539110 with a GF Score™ of 56/100 and a GF Value™ of ₹19.31 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 301 Credit Services companies, Northlink Fiscal and Capital Services ranks worse than 66.78% on this metric.

Northlink Fiscal and Capital Services's average Accounts Payable for the three months ended in Mar. 2026 was ₹0.11 Mil. Northlink Fiscal and Capital Services's Cost of Goods Sold for the three months ended in Mar. 2026 was ₹0.87 Mil. Hence, Northlink Fiscal and Capital Services's Days Payable for the three months ended in Mar. 2026 was 11.71.

The historical rank and industry rank for Northlink Fiscal and Capital Services's Days Payable or its related term are showing as below:

BOM:539110' s Days Payable Range Over the Past 10 Years
Min: 3.47   Med: 15.69   Max: 150.03
Current: 14.04

During the past 12 years, Northlink Fiscal and Capital Services's highest Days Payable was 150.03. The lowest was 3.47. And the median was 15.69.

BOM:539110's Days Payable is ranked worse than
66.78% of 301 companies
in the Credit Services industry
Industry Median: 33.87 vs BOM:539110: 14.04

Northlink Fiscal and Capital Services's Days Payable increased from Dec. 2024 (0.00) to Mar. 2026 (11.71). It may suggest that Northlink Fiscal and Capital Services delayed paying its suppliers.


Northlink Fiscal and Capital Services Days Payable Related Terms


Northlink Fiscal and Capital Services Days Payable Historical Data

* Premium members only.

The historical data trend for Northlink Fiscal and Capital Services'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.

Northlink Fiscal and Capital Services Days Payable Chart

Northlink Fiscal and Capital Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Days Payable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 19.60 10.64 11.77

Northlink Fiscal and Capital Services Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
Days Payable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 11.59 9.90 8.38 11.71

BOM:539110 vs V, MA, AXP: Days Payable Comparison

For the Credit Services subindustry, Northlink Fiscal and 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.


Northlink Fiscal and Capital Services Days Payable vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Northlink Fiscal and Capital Services's Days Payable distribution charts can be found below:

* The bar in red indicates where Northlink Fiscal and Capital Services's Days Payable falls into.


BOM:539110
56GF Score
Northlink Fiscal and Capital Services Ltd BOM:539110
Days Payable is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northlink Fiscal and Capital Services 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.

Northlink Fiscal and Capital Services's Days Payable for the fiscal year that ended in Mar. 2026 is calculated as

Days Payable (A: Mar. 2026 )
=Average Accounts Payable /Cost of Goods Sold*Days in Period
=( (Accounts Payable (A: Mar. 2025 ) + Accounts Payable (A: Mar. 2026 )) / count ) / Cost of Goods Sold (A: Mar. 2026 )*Days in Period
=( (0.094 + 0.111) / 2 ) / 3.179*365
=0.1025 / 3.179*365
=11.77

Northlink Fiscal and Capital Services's Days Payable for the quarter that ended in Mar. 2026 is calculated as:

Days Payable (Q: Mar. 2026 )
=Average Accounts Payable / Cost of Goods Sold*Days in Period
=( (Accounts Payable (Q: Dec. 2025 ) + Accounts Payable (Q: Mar. 2026 )) / count ) / Cost of Goods Sold (Q: Mar. 2026 )*Days in Period
=( (0 + 0.111) / 1 ) / 0.865*365 / 4
=0.111 / 0.865*365 / 4
=11.71

* 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.

Frequently Asked Questions Learn more about Days Payable →
What does a Days Payable of 11.71 mean?
Northlink Fiscal and Capital Services (BOM:539110) has a Days Payable of 11.71 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 Northlink Fiscal and Capital Services and its competitors. This is 25% below median its historical median of 15.69. Over the past decade, Northlink Fiscal and Capital Services' Days Payable has ranged from 3.47 to 150.03. According to the industry distribution chart, Northlink Fiscal and Capital Services ranks #201 out of 301 companies in the Credit Services industry, placing it in the top 66.8%.
Is Northlink Fiscal and Capital Services' Days Payable too high?
Northlink Fiscal and Capital Services' current Days Payable of 11.71 is 25% below median its 10-year median of 15.69. Over the past 10 years, this metric has ranged from a low of 3.47 to a high of 150.03. The Credit Services industry median Days Payable is 33.87. Northlink Fiscal and Capital Services' value of 11.71 is 65.4% below this industry median. Based on the distribution chart, Northlink Fiscal and Capital Services ranks #201 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, Northlink Fiscal and Capital Services has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northlink Fiscal and Capital Services' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Northlink Fiscal and Capital Services ranks #201 out of 301 companies for Days Payable. This places Northlink Fiscal and Capital Services in the lower half of its industry. The industry median Days Payable is 33.87. Northlink Fiscal and Capital Services' value of 11.71 is 65.4% below this benchmark. Historically, Northlink Fiscal and Capital Services' own Days Payable has ranged from 3.47 to 150.03 over the past decade. While the company's 10-year median is 15.69 vs. the industry median of 33.87, Northlink Fiscal and 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. Northlink Fiscal and Capital Services's current Days Payable of 11.71 is 65.4% 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 Northlink Fiscal and 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. Northlink Fiscal and Capital Services's current Days Payable is 11.71, which is 25% below median its own 10-year median of 15.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northlink Fiscal and Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Northlink Fiscal and Capital Services (BOM:539110) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹19.31, compared to a current price of ₹24.40 — trading 26.4% above its estimated fair value. The current Days Payable is 11.71, which is 25% below median its 10-year median of 15.69 and 65.4% below the Credit Services industry median of 33.87. Northlink Fiscal and Capital Services' overall GF Score™ is 56/100 with 2 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 Northlink Fiscal and Capital Services (BOM:539110), the current Days Payable is 11.71 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 Northlink Fiscal and Capital Services (BOM:539110) Overvalued in 2026?

Based on GuruFocus' analysis, Northlink Fiscal and Capital Services stock appears to be overvalued. The current stock price of ₹24.40 is trading 26.4% above its estimated GF Value™ of ₹19.31. GuruFocus considers Northlink Fiscal and Capital Services to be Modestly Overvalued.

Key valuation signals for BOM:539110:

  • Days Payable: 11.71 (25% below median its 10-year median of 15.69)
  • GF Value™: ₹19.31 vs. price of ₹24.40 (26.4% above fair value)
  • GF Score™: 56/100 with 2 warning signs
  • Industry Position: 65.4% below the Credit Services median (#201 of 301)

No single metric tells the full story. See the BOM:539110 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Northlink Fiscal and Capital Services Business Description

Address 86, Mall Road, Civil Lines, Ludhiana, PB, IND, 141001
Northlink Fiscal and Capital Services Ltd is a Non-Banking Financial Company and is engaged in lending loans. The company operates in a single segment engaged in the business of financing.
56GF Score

Get the complete analysis for BOM:539110

Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹24.40
Price
₹19.31
GF Value