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.
Sarvottam FinvestBOM:539124 +7.04%62 Days Payable is 31.84 as of Mar. 2026, which is 49% below its 10-year median of 62.25. GuruFocus rates BOM:539124 with a GF Score™ of 62/100 and a GF Value™ of ₹21.62 (Fairly Valued). The stock has 2 warning signs investors should review. Among 300 Credit Services companies, Sarvottam Finvest ranks better than 65.33% on this metric.
The historical rank and industry rank for Sarvottam Finvest's Days Payable or its related term are showing as below:
BOM:539124'
s Days Payable Range Over the Past 10 Years
Min: 26.28 Med: 62.25 Max: 94.94
Current: 74.01
During the past 12 years, Sarvottam Finvest's highest Days Payable was 94.94. The lowest was 26.28. And the median was 62.25.
BOM:539124's Days Payable is ranked better than 65.33% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs BOM:539124: 74.01
Sarvottam Finvest's Days Payable
increased
from Mar. 2025 (20.17) to Mar. 2026 (31.84).
It may suggest that Sarvottam Finvestdelayed paying its suppliers.
Sarvottam Finvest Days Payable Related Terms
Sarvottam Finvest Days Payable Historical Data
* Premium members only.
The historical data trend for Sarvottam Finvest'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, Sarvottam Finvest'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.
Sarvottam Finvest Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sarvottam Finvest's Days Payable distribution charts can be found below:
* The bar in red indicates where Sarvottam Finvest'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.
Sarvottam Finvest'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.
Sarvottam Finvest (BOM:539124) has a Days Payable of 31.84 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 Sarvottam Finvest and its competitors. This is 49% below median its historical median of 62.25. Over the past decade, Sarvottam Finvest's Days Payable has ranged from 26.28 to 94.94. According to the industry distribution chart, Sarvottam Finvest ranks #104 out of 300 companies in the Credit Services industry, placing it in the top 34.7%.
Is Sarvottam Finvest's Days Payable too high?
Sarvottam Finvest's current Days Payable of 31.84 is 49% below median its 10-year median of 62.25. Over the past 10 years, this metric has ranged from a low of 26.28 to a high of 94.94. The Credit Services industry median Days Payable is 33.41. Sarvottam Finvest's value of 31.84 is 4.7% below this industry median. Based on the distribution chart, Sarvottam Finvest ranks #104 out of 300 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sarvottam Finvest has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sarvottam Finvest's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Sarvottam Finvest ranks #104 out of 300 companies for Days Payable. This puts Sarvottam Finvest in the upper half of its industry. The industry median Days Payable is 33.41. Sarvottam Finvest's value of 31.84 is 4.7% below this benchmark. Historically, Sarvottam Finvest's own Days Payable has ranged from 26.28 to 94.94 over the past decade. While the company's 10-year median is 62.25 vs. the industry median of 33.41, Sarvottam Finvest 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 33.41, based on 300 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. Sarvottam Finvest's current Days Payable of 31.84 is 4.7% 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 Sarvottam Finvest and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sarvottam Finvest's current Days Payable is 31.84, which is 49% below median its own 10-year median of 62.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sarvottam Finvest stock overvalued right now?
Based on GuruFocus' analysis, Sarvottam Finvest (BOM:539124) is currently considered Fairly Valued. The stock's GF Value™ is ₹21.62, compared to a current price of ₹20.38 — trading 5.7% below its estimated fair value. The current Days Payable is 31.84, which is 49% below median its 10-year median of 62.25 and 4.7% below the Credit Services industry median of 33.41. Sarvottam Finvest's overall GF Score™ is 62/100 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 Sarvottam Finvest (BOM:539124), the current Days Payable is 31.84 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 Sarvottam Finvest (BOM:539124) Overvalued in 2026?
Based on GuruFocus' analysis, Sarvottam Finvest stock appears to be undervalued.
The current stock price of ₹20.38 is trading 5.7% below its estimated GF Value™ of ₹21.62.
GuruFocus considers Sarvottam Finvest to be Fairly Valued.
Key valuation signals for BOM:539124:
Days Payable: 31.84 (49% below median its 10-year median of 62.25)
GF Value™: ₹21.62 vs. price of ₹20.38 (5.7% below fair value)
Industry Position: 4.7% below the Credit Services median (#104 of 300)
No single metric tells the full story. See the BOM:539124 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sarvottam Finvest Ltd is an Indian-based non-banking financial company. Its business is to make both long-term and short-term investments in quoted as well as unquoted shares. The company also gives short-term and long-term loans to its borrowers. It earns revenue through interest on loans given to the borrowers, dividends on investments, and revenue by purchase and sale of shares and securities. It is engaged in only one segment which is Financing and all of the Operations are in India.
62GF Score
Get the complete analysis for BOM:539124
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:539124 has been successfully added to your 
