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ARC FinanceBOM:540135 -1.85%36 Days Payable is 6.35 as of Mar. 2026, which is 158% above its 10-year median of 2.46. GuruFocus rates BOM:540135 with a GF Score™ of 36/100. The stock has 2 warning signs investors should review. Among 301 Credit Services companies, ARC Finance ranks worse than 82.39% on this metric.
The historical rank and industry rank for ARC Finance's Days Payable or its related term are showing as below:
BOM:540135'
s Days Payable Range Over the Past 10 Years
Min: 1.13 Med: 2.46 Max: 5.32
Current: 5.32
During the past 11 years, ARC Finance's highest Days Payable was 5.32. The lowest was 1.13. And the median was 2.46.
BOM:540135's Days Payable is ranked worse than 82.39% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs BOM:540135: 5.32
ARC Finance's Days Payable
increased
from Mar. 2025 (0.15) to Mar. 2026 (6.35).
It may suggest that ARC Financedelayed paying its suppliers.
ARC Finance Days Payable Related Terms
ARC Finance Days Payable Historical Data
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The historical data trend for ARC 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, ARC 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.
ARC Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ARC Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where ARC 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.
ARC 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.
ARC Finance (BOM:540135) has a Days Payable of 6.35 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 ARC Finance and its competitors. This is 158% above median its historical median of 2.46. Over the past decade, ARC Finance's Days Payable has ranged from 1.13 to 5.32. According to the industry distribution chart, ARC Finance ranks #248 out of 301 companies in the Credit Services industry, placing it in the top 82.4%.
Is ARC Finance's Days Payable too high?
ARC Finance's current Days Payable of 6.35 is 158% above median its 10-year median of 2.46. Over the past 10 years, this metric has ranged from a low of 1.13 to a high of 5.32. The Credit Services industry median Days Payable is 33.87. ARC Finance's value of 6.35 is 81.3% below this industry median. Based on the distribution chart, ARC Finance ranks #248 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, ARC Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does ARC Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, ARC Finance ranks #248 out of 301 companies for Days Payable. This places ARC Finance in the lower half of its industry. The industry median Days Payable is 33.87. ARC Finance's value of 6.35 is 81.3% below this benchmark. Historically, ARC Finance's own Days Payable has ranged from 1.13 to 5.32 over the past decade. While the company's 10-year median is 2.46 vs. the industry median of 33.87, ARC 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 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. ARC Finance's current Days Payable of 6.35 is 81.3% 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 ARC Finance 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. ARC Finance's current Days Payable is 6.35, which is 158% above median its own 10-year median of 2.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ARC Finance stock overvalued right now?
ARC Finance (BOM:540135) has a current Days Payable of 6.35. The current Days Payable is 6.35, which is 158% above median its 10-year median of 2.46 and 81.3% below the Credit Services industry median of 33.87. ARC Finance's overall GF Score™ is 36/100 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 ARC Finance (BOM:540135), the current Days Payable is 6.35 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.
ARC Finance Ltd is a non-banking financial institution engaged in the business of lending. It is engaged in trading in shares, financial services investment activities, and providing secure and Unsecured loans. The company operates as a non-deposit-taking company. The company also accepts loan advances and offers different financial services to its customers. The company generates revenue from Interest Income as well as from sales of shares.
36GF Score
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