Baid FinservNSE:BAIDFIN -0.40%81 Days Payable is 19.50 as of Mar. 2026, which is 58% below its 10-year median of 46.45. GuruFocus rates NSE:BAIDFIN with a GF Score™ of 81/100 and a GF Value™ of ₹20.84 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 301 Credit Services companies, Baid Finserv ranks worse than 54.15% on this metric.
The historical rank and industry rank for Baid Finserv's Days Payable or its related term are showing as below:
NSE:BAIDFIN'
s Days Payable Range Over the Past 10 Years
Min: 24.82 Med: 46.45 Max: 204.62
Current: 25.4
During the past 13 years, Baid Finserv's highest Days Payable was 204.62. The lowest was 24.82. And the median was 46.45.
NSE:BAIDFIN's Days Payable is ranked worse than 54.15% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs NSE:BAIDFIN: 25.40
Baid Finserv's Days Payable
declined
from Mar. 2025 (45.73) to Mar. 2026 (19.50).
It may suggest that Baid Finservaccelerated paying its suppliers.
Baid Finserv Days Payable Related Terms
Baid Finserv Days Payable Historical Data
* Premium members only.
The historical data trend for Baid Finserv'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:BAIDFIN vs V, MA, AXP: Days Payable Comparison
For the Credit Services subindustry, Baid Finserv'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.
Baid Finserv Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Baid Finserv's Days Payable distribution charts can be found below:
* The bar in red indicates where Baid Finserv'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.
Baid Finserv'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.
Baid Finserv (NSE:BAIDFIN) has a Days Payable of 19.50 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 Baid Finserv and its competitors. This is 58% below median its historical median of 46.45. Over the past decade, Baid Finserv's Days Payable has ranged from 24.82 to 204.62. According to the industry distribution chart, Baid Finserv ranks #163 out of 301 companies in the Credit Services industry, placing it in the top 54.2%.
Is Baid Finserv's Days Payable too high?
Baid Finserv's current Days Payable of 19.50 is 58% below median its 10-year median of 46.45. Over the past 10 years, this metric has ranged from a low of 24.82 to a high of 204.62. The Credit Services industry median Days Payable is 33.87. Baid Finserv's value of 19.50 is 42.4% below this industry median. Based on the distribution chart, Baid Finserv ranks #163 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, Baid Finserv 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 Baid Finserv's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Baid Finserv ranks #163 out of 301 companies for Days Payable. This places Baid Finserv in the lower half of its industry. The industry median Days Payable is 33.87. Baid Finserv's value of 19.50 is 42.4% below this benchmark. Historically, Baid Finserv's own Days Payable has ranged from 24.82 to 204.62 over the past decade. While the company's 10-year median is 46.45 vs. the industry median of 33.87, Baid Finserv 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. Baid Finserv's current Days Payable of 19.50 is 42.4% 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 Baid Finserv 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. Baid Finserv's current Days Payable is 19.50, which is 58% below median its own 10-year median of 46.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baid Finserv stock overvalued right now?
Based on GuruFocus' analysis, Baid Finserv (NSE:BAIDFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹20.84, compared to a current price of ₹10.01 — trading 52% below its estimated fair value. The current Days Payable is 19.50, which is 58% below median its 10-year median of 46.45 and 42.4% below the Credit Services industry median of 33.87. Baid Finserv's overall GF Score™ is 81/100 with 4 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 Baid Finserv (NSE:BAIDFIN), the current Days Payable is 19.50 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 Baid Finserv (NSE:BAIDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Baid Finserv stock appears to be undervalued.
The current stock price of ₹10.01 is trading 52% below its estimated GF Value™ of ₹20.84.
GuruFocus considers Baid Finserv to be Possible Value Trap.
Key valuation signals for NSE:BAIDFIN:
Days Payable: 19.50 (58% below median its 10-year median of 46.45)
GF Value™: ₹20.84 vs. price of ₹10.01 (52% below fair value)
Industry Position: 42.4% below the Credit Services median (#163 of 301)
No single metric tells the full story. See the NSE:BAIDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baid Finserv Ltd is a non-banking financial company engaged in vehicle financing, loan against property, and SME lending, hire purchase services, leasing, securities investments, and trading negotiable instruments. The Company operates in a single reporting segment, which is financing. It also provides mortgage loans and top-up loans. The company mainly operates in India.
81GF Score
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