Capital India FinanceNSE:CIFL -1.27%50 Days Payable is 12.68 as of Mar. 2026, which is 39% above its 10-year median of 9.09. GuruFocus rates NSE:CIFL with a GF Score™ of 50/100 and a GF Value™ of ₹23.69 (Fairly Valued). The stock has 7 warning signs investors should review. Among 300 Credit Services companies, Capital India Finance ranks worse than 67.33% on this metric.
Capital India Finance Days Payable Historical Data
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The historical data trend for Capital India 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.
For the Credit Services subindustry, Capital India 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.
Capital India Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital India Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Capital India 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.
Capital India 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.
Capital India Finance (NSE:CIFL) has a Days Payable of 12.68 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 Capital India Finance and its competitors. This is 39% above median its historical median of 9.09. Over the past decade, Capital India Finance's Days Payable has ranged from 4.29 to 13.35. According to the industry distribution chart, Capital India Finance ranks #202 out of 300 companies in the Credit Services industry, placing it in the top 67.3%.
Is Capital India Finance's Days Payable too high?
Capital India Finance's current Days Payable of 12.68 is 39% above median its 10-year median of 9.09. Over the past 10 years, this metric has ranged from a low of 4.29 to a high of 13.35. The Credit Services industry median Days Payable is 33.92. Capital India Finance's value of 12.68 is 62.6% below this industry median. Based on the distribution chart, Capital India Finance ranks #202 out of 300 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capital India Finance has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Capital India Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Capital India Finance ranks #202 out of 300 companies for Days Payable. This places Capital India Finance in the lower half of its industry. The industry median Days Payable is 33.92. Capital India Finance's value of 12.68 is 62.6% below this benchmark. Historically, Capital India Finance's own Days Payable has ranged from 4.29 to 13.35 over the past decade. While the company's 10-year median is 9.09 vs. the industry median of 33.92, Capital India 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 Credit Services company?
The median Days Payable among Credit Services companies is 33.92, based on 300 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. Capital India Finance's current Days Payable of 12.68 is 62.6% 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 Capital India Finance and its competitors. For the Credit Services industry, the median Days Payable is 33.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital India Finance's current Days Payable is 12.68, which is 39% above median its own 10-year median of 9.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital India Finance stock overvalued right now?
Based on GuruFocus' analysis, Capital India Finance (NSE:CIFL) is currently considered Fairly Valued. The stock's GF Value™ is ₹23.69, compared to a current price of ₹22.58 — trading 4.7% below its estimated fair value. The current Days Payable is 12.68, which is 39% above median its 10-year median of 9.09 and 62.6% below the Credit Services industry median of 33.92. Capital India Finance's overall GF Score™ is 50/100 with 7 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 Capital India Finance (NSE:CIFL), the current Days Payable is 12.68 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 Capital India Finance (NSE:CIFL) Overvalued in 2026?
Based on GuruFocus' analysis, Capital India Finance stock appears to be undervalued.
The current stock price of ₹22.58 is trading 4.7% below its estimated GF Value™ of ₹23.69.
GuruFocus considers Capital India Finance to be Fairly Valued.
Key valuation signals for NSE:CIFL:
Days Payable: 12.68 (39% above median its 10-year median of 9.09)
GF Value™: ₹23.69 vs. price of ₹22.58 (4.7% below fair value)
Industry Position: 62.6% below the Credit Services median (#202 of 300)
No single metric tells the full story. See the NSE:CIFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital India Finance Ltd is a non-banking financial company. It operates through two segments: lending business and Forex services, including MTSS business. The lending services include providing loans to Micro, Small, and Medium enterprises and other customers across various industries. Revenue from the lending business includes interest income and fee income. Forex services comprise overseas remittances, foreign currency prepaid travel cards, Money Transfer Service Scheme (MTSS), and import and export foreign currency notes.
50GF Score
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