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India Shelter FinanceBOM:544044 -0.12%38 Days Payable is 4.17 as of Mar. 2026, which is 22% below its 10-year median of 5.35. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 32 Banks companies, India Shelter Finance ranks worse than 84.38% on this metric.
India Shelter Finance Days Payable Historical Data
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The historical data trend for India Shelter 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.
BOM:544044 vs RKT, FNMA, PFSI: Days Payable Comparison
For the Mortgage Finance subindustry, India Shelter 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.
India Shelter Finance Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where India Shelter 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.
India Shelter 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.
India Shelter Finance (BOM:544044) has a Days Payable of 4.17 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 India Shelter Finance and its competitors. This is 22% below median its historical median of 5.35. Over the past decade, India Shelter Finance's Days Payable has ranged from 4.21 to 10.50. According to the industry distribution chart, India Shelter Finance ranks #27 out of 32 companies in the Banks industry, placing it in the top 84.4%.
Is India Shelter Finance's Days Payable too high?
India Shelter Finance's current Days Payable of 4.17 is 22% below median its 10-year median of 5.35. Over the past 10 years, this metric has ranged from a low of 4.21 to a high of 10.50. The Banks industry median Days Payable is 32.05. India Shelter Finance's value of 4.17 is 87% below this industry median. Based on the distribution chart, India Shelter Finance ranks #27 out of 32 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #27 out of 32 companies for Days Payable. This places India Shelter Finance in the lower half of its industry. The industry median Days Payable is 32.05. India Shelter Finance's value of 4.17 is 87% below this benchmark. Historically, India Shelter Finance's own Days Payable has ranged from 4.21 to 10.50 over the past decade. While the company's 10-year median is 5.35 vs. the industry median of 32.05, India Shelter 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 Banks company?
The median Days Payable among Banks companies is 32.05, based on 32 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. India Shelter Finance's current Days Payable of 4.17 is 87% 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 India Shelter Finance and its competitors. For the Banks industry, the median Days Payable is 32.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current Days Payable is 4.17, which is 22% below median its own 10-year median of 5.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current Days Payable of 4.17. The current Days Payable is 4.17, which is 22% below median its 10-year median of 5.35 and 87% below the Banks industry median of 32.05. India Shelter Finance's overall GF Score™ is 38/100 with 5 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 India Shelter Finance (BOM:544044), the current Days Payable is 4.17 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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