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Spandana Sphoorty FinancialBOM:890221 +0.07%45 Days Payable is 4.26 as of Jun. 2026, which is 223% above its 10-year median of 1.32. GuruFocus rates BOM:890221 with a GF Score™ of 45/100 and a GF Value™ of ₹104.93 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 302 Credit Services companies, Spandana Sphoorty Financial ranks worse than 86.09% on this metric.
* 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, Spandana Sphoorty Financial'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.
Spandana Sphoorty Financial Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Spandana Sphoorty Financial's Days Payable distribution charts can be found below:
* The bar in red indicates where Spandana Sphoorty Financial's Days Payable falls into.
Spandana Sphoorty Financial 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.
* 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.
Spandana Sphoorty Financial (BOM:890221) has a Days Payable of 4.26 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Spandana Sphoorty Financial and its competitors. This is 223% above median its historical median of 1.32. Over the past decade, Spandana Sphoorty Financial's Days Payable has ranged from 0.41 to 3.80. According to the industry distribution chart, Spandana Sphoorty Financial ranks #260 out of 302 companies in the Credit Services industry, placing it in the top 86.1%.
Is Spandana Sphoorty Financial's Days Payable too high?
Spandana Sphoorty Financial's current Days Payable of 4.26 is 223% above median its 10-year median of 1.32. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 3.80. The Credit Services industry median Days Payable is 33.46. Spandana Sphoorty Financial's value of 4.26 is 87.3% below this industry median. Based on the distribution chart, Spandana Sphoorty Financial ranks #260 out of 302 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Spandana Sphoorty Financial has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Spandana Sphoorty Financial's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Spandana Sphoorty Financial ranks #260 out of 302 companies for Days Payable. This places Spandana Sphoorty Financial in the lower half of its industry. The industry median Days Payable is 33.46. Spandana Sphoorty Financial's value of 4.26 is 87.3% below this benchmark. Historically, Spandana Sphoorty Financial's own Days Payable has ranged from 0.41 to 3.80 over the past decade. While the company's 10-year median is 1.32 vs. the industry median of 33.46, Spandana Sphoorty Financial 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 33.46, based on 302 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. Spandana Sphoorty Financial's current Days Payable of 4.26 is 87.3% 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 Spandana Sphoorty Financial and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Spandana Sphoorty Financial's current Days Payable is 4.26, which is 223% above median its own 10-year median of 1.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Spandana Sphoorty Financial stock overvalued right now?
Based on GuruFocus' analysis, Spandana Sphoorty Financial (BOM:890221) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹104.93, compared to a current price of ₹137.10 — trading 30.7% above its estimated fair value. The current Days Payable is 4.26, which is 223% above median its 10-year median of 1.32 and 87.3% below the Credit Services industry median of 33.46. Spandana Sphoorty Financial's overall GF Score™ is 45/100 with 6 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 Spandana Sphoorty Financial (BOM:890221), the current Days Payable is 4.26 as of Jun. 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 Spandana Sphoorty Financial (BOM:890221) Overvalued in 2026?
Based on GuruFocus' analysis, Spandana Sphoorty Financial stock appears to be overvalued.
The current stock price of ₹137.10 is trading 30.7% above its estimated GF Value™ of ₹104.93.
GuruFocus considers Spandana Sphoorty Financial to be Significantly Overvalued.
Key valuation signals for BOM:890221:
Days Payable: 4.26 (223% above median its 10-year median of 1.32)
GF Value™: ₹104.93 vs. price of ₹137.10 (30.7% above fair value)
Industry Position: 87.3% below the Credit Services median (#260 of 302)
No single metric tells the full story. See the BOM:890221 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Spandana Sphoorty Financial Ltd is a rural-focused nonbanking financial company (NBFC) and microfinance institution (MFI) with an extensive footprint across India. Its primary objective is to provide incomegenerating loans through the joint liability group (JLG) model, focusing on supporting women from low-income rural and semi-urban households. The group is also expanding to Loan Against Property (LAP) and Nano loans through subsidiary. It has a single business segment which is financing. The company operates in India and generates key revenue from giving loans.
45GF Score
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