* 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:FIVESTAR vs V, MA, AXP: Days Payable Comparison
For the Credit Services subindustry, Five-Star Business 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.
Five-Star Business Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Five-Star Business Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Five-Star Business Finance's Days Payable falls into.
Five-Star Business Finance 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.
Five-Star Business Finance (NSE:FIVESTAR) has a Days Payable of 8.25 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 Five-Star Business Finance and its competitors. This is near median its historical median of 7.81. Over the past decade, Five-Star Business Finance's Days Payable has ranged from 6.11 to 13.07. According to the industry distribution chart, Five-Star Business Finance ranks #232 out of 301 companies in the Credit Services industry, placing it in the top 77.1%.
Is Five-Star Business Finance's Days Payable too high?
Five-Star Business Finance's current Days Payable of 8.25 is near median its 10-year median of 7.81. Over the past 10 years, this metric has ranged from a low of 6.11 to a high of 13.07. The Credit Services industry median Days Payable is 33.87. Five-Star Business Finance's value of 8.25 is 75.6% below this industry median. Based on the distribution chart, Five-Star Business Finance ranks #232 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Five-Star Business Finance 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 Five-Star Business Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Five-Star Business Finance ranks #232 out of 301 companies for Days Payable. This places Five-Star Business Finance in the lower half of its industry. The industry median Days Payable is 33.87. Five-Star Business Finance's value of 8.25 is 75.6% below this benchmark. Historically, Five-Star Business Finance's own Days Payable has ranged from 6.11 to 13.07 over the past decade. While the company's 10-year median is 7.81 vs. the industry median of 33.87, Five-Star Business 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 33.87, 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. Five-Star Business Finance's current Days Payable of 8.25 is 75.6% 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 Five-Star Business Finance 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. Five-Star Business Finance's current Days Payable is 8.25, which is near median its own 10-year median of 7.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Five-Star Business Finance stock overvalued right now?
Based on GuruFocus' analysis, Five-Star Business Finance (NSE:FIVESTAR) is currently considered Possible Value Trap. The stock's GF Value™ is ₹978.03, compared to a current price of ₹543.90 — trading 44.4% below its estimated fair value. The current Days Payable is 8.25, which is near median its 10-year median of 7.81 and 75.6% below the Credit Services industry median of 33.87. Five-Star Business Finance'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 Five-Star Business Finance (NSE:FIVESTAR), the current Days Payable is 8.25 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 Five-Star Business Finance (NSE:FIVESTAR) Overvalued in 2026?
Based on GuruFocus' analysis, Five-Star Business Finance stock appears to be undervalued.
The current stock price of ₹543.90 is trading 44.4% below its estimated GF Value™ of ₹978.03.
GuruFocus considers Five-Star Business Finance to be Possible Value Trap.
Key valuation signals for NSE:FIVESTAR:
Days Payable: 8.25 (near median its 10-year median of 7.81)
GF Value™: ₹978.03 vs. price of ₹543.90 (44.4% below fair value)
Industry Position: 75.6% below the Credit Services median (#232 of 301)
No single metric tells the full story. See the NSE:FIVESTAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Five-Star Business Finance Ltd provides secured loans to micro-entrepreneurs and self-employed individuals for business purposes, as well as for asset creation such as home renovation or improvement, or meeting expenses for economic events such as marriage, healthcare, and education.
81GF Score
Get the complete analysis for NSE:FIVESTAR
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:FIVESTAR has been successfully added to your 
