AAVAS FinanciersNSE:AAVAS -0.95%81 Days Payable is 2.36 as of Mar. 2026, which is 62% below its 10-year median of 6.13. GuruFocus rates NSE:AAVAS with a GF Score™ of 81/100 and a GF Value™ of ₹2,155.22 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 33 Banks companies, AAVAS Financiers ranks worse than 90.91% on this metric.
The historical rank and industry rank for AAVAS Financiers's Days Payable or its related term are showing as below:
NSE:AAVAS'
s Days Payable Range Over the Past 10 Years
Min: 1.44 Med: 6.13 Max: 15.16
Current: 1.44
During the past 13 years, AAVAS Financiers's highest Days Payable was 15.16. The lowest was 1.44. And the median was 6.13.
NSE:AAVAS's Days Payable is ranked worse than 90.91% of 33
companies
in the Banks industry
Industry Median: 32.94
vs NSE:AAVAS: 1.44
AAVAS Financiers's Days Payable
increased
from Mar. 2025 (1.18) to Mar. 2026 (2.36).
It may suggest that AAVAS Financiersdelayed paying its suppliers.
AAVAS Financiers Days Payable Related Terms
AAVAS Financiers Days Payable Historical Data
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The historical data trend for AAVAS Financiers'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.
NSE:AAVAS vs RKT, FNMA, PFSI: Days Payable Comparison
For the Mortgage Finance subindustry, AAVAS Financiers'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.
AAVAS Financiers Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Days Payable distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers'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.
AAVAS Financiers'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.
AAVAS Financiers (NSE:AAVAS) has a Days Payable of 2.36 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 AAVAS Financiers and its competitors. This is 62% below median its historical median of 6.13. Over the past decade, AAVAS Financiers' Days Payable has ranged from 1.44 to 15.16. According to the industry distribution chart, AAVAS Financiers ranks #30 out of 33 companies in the Banks industry, placing it in the top 90.9%.
Is AAVAS Financiers' Days Payable too high?
AAVAS Financiers' current Days Payable of 2.36 is 62% below median its 10-year median of 6.13. Over the past 10 years, this metric has ranged from a low of 1.44 to a high of 15.16. The Banks industry median Days Payable is 32.94. AAVAS Financiers' value of 2.36 is 92.8% below this industry median. Based on the distribution chart, AAVAS Financiers ranks #30 out of 33 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, AAVAS Financiers has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #30 out of 33 companies for Days Payable. This places AAVAS Financiers in the lower half of its industry. The industry median Days Payable is 32.94. AAVAS Financiers' value of 2.36 is 92.8% below this benchmark. Historically, AAVAS Financiers' own Days Payable has ranged from 1.44 to 15.16 over the past decade. While the company's 10-year median is 6.13 vs. the industry median of 32.94, AAVAS Financiers 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 32.94, based on 33 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. AAVAS Financiers's current Days Payable of 2.36 is 92.8% 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 AAVAS Financiers and its competitors. For the Banks industry, the median Days Payable is 32.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current Days Payable is 2.36, which is 62% below median its own 10-year median of 6.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AAVAS Financiers stock overvalued right now?
Based on GuruFocus' analysis, AAVAS Financiers (NSE:AAVAS) is currently considered Possible Value Trap. The stock's GF Value™ is ₹2,155.22, compared to a current price of ₹1,503.90 — trading 30.2% below its estimated fair value. The current Days Payable is 2.36, which is 62% below median its 10-year median of 6.13 and 92.8% below the Banks industry median of 32.94. AAVAS Financiers' overall GF Score™ is 81/100 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 AAVAS Financiers (NSE:AAVAS), the current Days Payable is 2.36 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 AAVAS Financiers (NSE:AAVAS) Overvalued in 2026?
Based on GuruFocus' analysis, AAVAS Financiers stock appears to be undervalued.
The current stock price of ₹1,503.90 is trading 30.2% below its estimated GF Value™ of ₹2,155.22.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
Days Payable: 2.36 (62% below median its 10-year median of 6.13)
GF Value™: ₹2,155.22 vs. price of ₹1,503.90 (30.2% below fair value)
Industry Position: 92.8% below the Banks median (#30 of 33)
No single metric tells the full story. See the NSE:AAVAS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AAVAS Financiers Ltd is a housing finance company. The company provides housing loans to customers belonging to the low and middle-income and self-employed segments in suburban and rural India. Its only operating segment is Lending to borrowers. The company's product portfolio includes home loans, land purchases and construction, home improvement loans, home equity, micro, small, and medium enterprise loan, and others. It offers customers loans for the purchase or construction of residential properties and the extension and repair of existing housing units.
81GF Score
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