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Muthoot MicrofinBOM:544055 -1.64%36 Days Payable is 4.05 as of Mar. 2026, which is 28% below its 10-year median of 5.59. GuruFocus rates BOM:544055 with a GF Score™ of 36/100. The stock has 8 warning signs investors should review. Among 301 Credit Services companies, Muthoot Microfin ranks worse than 84.39% on this metric.
The historical rank and industry rank for Muthoot Microfin's Days Payable or its related term are showing as below:
BOM:544055'
s Days Payable Range Over the Past 10 Years
Min: 4.58 Med: 5.59 Max: 6.94
Current: 4.58
During the past 6 years, Muthoot Microfin's highest Days Payable was 6.94. The lowest was 4.58. And the median was 5.59.
BOM:544055's Days Payable is ranked worse than 84.39% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs BOM:544055: 4.58
Muthoot Microfin's Days Payable
declined
from Mar. 2025 (4.70) to Mar. 2026 (4.05).
It may suggest that Muthoot Microfinaccelerated paying its suppliers.
Muthoot Microfin Days Payable Related Terms
Muthoot Microfin Days Payable Historical Data
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The historical data trend for Muthoot Microfin'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, Muthoot Microfin'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.
Muthoot Microfin Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Microfin's Days Payable distribution charts can be found below:
* The bar in red indicates where Muthoot Microfin'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.
Muthoot Microfin'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.
Muthoot Microfin (BOM:544055) has a Days Payable of 4.05 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 Muthoot Microfin and its competitors. This is 28% below median its historical median of 5.59. Over the past decade, Muthoot Microfin's Days Payable has ranged from 4.58 to 6.94. According to the industry distribution chart, Muthoot Microfin ranks #254 out of 301 companies in the Credit Services industry, placing it in the top 84.4%.
Is Muthoot Microfin's Days Payable too high?
Muthoot Microfin's current Days Payable of 4.05 is 28% below median its 10-year median of 5.59. Over the past 10 years, this metric has ranged from a low of 4.58 to a high of 6.94. The Credit Services industry median Days Payable is 33.87. Muthoot Microfin's value of 4.05 is 88% below this industry median. Based on the distribution chart, Muthoot Microfin ranks #254 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Muthoot Microfin has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Muthoot Microfin's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Microfin ranks #254 out of 301 companies for Days Payable. This places Muthoot Microfin in the lower half of its industry. The industry median Days Payable is 33.87. Muthoot Microfin's value of 4.05 is 88% below this benchmark. Historically, Muthoot Microfin's own Days Payable has ranged from 4.58 to 6.94 over the past decade. While the company's 10-year median is 5.59 vs. the industry median of 33.87, Muthoot Microfin 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. Muthoot Microfin's current Days Payable of 4.05 is 88% 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 Muthoot Microfin 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. Muthoot Microfin's current Days Payable is 4.05, which is 28% below median its own 10-year median of 5.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muthoot Microfin stock overvalued right now?
Muthoot Microfin (BOM:544055) has a current Days Payable of 4.05. The current Days Payable is 4.05, which is 28% below median its 10-year median of 5.59 and 88% below the Credit Services industry median of 33.87. Muthoot Microfin's overall GF Score™ is 36/100 with 8 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 Muthoot Microfin (BOM:544055), the current Days Payable is 4.05 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.
Muthoot Microfin Ltd is a microfinance institution providing micro-loans to women customers with a focus on rural regions of India. The company offers loan products such as group loans for livelihood solutions such as income generating loans, Pragathi loans, and individual loans; life betterment solutions including mobile phones loans, solar lighting product loans, and household appliances product loans; health and hygiene loans such as sanitation improvement loans; and secured loans in the form of gold loans and Muthoot Small & Growing Business loans.
36GF Score
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