HDB Financial ServicesNSE:HDBFS +1.17%9 Days Payable is 6.19 as of Mar. 2026, which is 72% below its 10-year median of 21.98. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review. Among 301 Credit Services companies, HDB Financial Services ranks worse than 69.44% 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, HDB Financial Services'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.
HDB Financial Services Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's Days Payable distribution charts can be found below:
* The bar in red indicates where HDB Financial Services'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.
HDB Financial Services'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.
HDB Financial Services (NSE:HDBFS) has a Days Payable of 6.19 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 HDB Financial Services and its competitors. This is 72% below median its historical median of 21.98. Over the past decade, HDB Financial Services' Days Payable has ranged from 12.71 to 25.38. According to the industry distribution chart, HDB Financial Services ranks #209 out of 301 companies in the Credit Services industry, placing it in the top 69.4%.
Is HDB Financial Services' Days Payable too high?
HDB Financial Services' current Days Payable of 6.19 is 72% below median its 10-year median of 21.98. Over the past 10 years, this metric has ranged from a low of 12.71 to a high of 25.38. The Credit Services industry median Days Payable is 33.87. HDB Financial Services' value of 6.19 is 81.7% below this industry median. Based on the distribution chart, HDB Financial Services ranks #209 out of 301 companies in the Credit Services industry, which is below the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #209 out of 301 companies for Days Payable. This places HDB Financial Services in the lower half of its industry. The industry median Days Payable is 33.87. HDB Financial Services' value of 6.19 is 81.7% below this benchmark. Historically, HDB Financial Services' own Days Payable has ranged from 12.71 to 25.38 over the past decade. While the company's 10-year median is 21.98 vs. the industry median of 33.87, HDB Financial Services 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. HDB Financial Services's current Days Payable of 6.19 is 81.7% 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 HDB Financial Services 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. HDB Financial Services's current Days Payable is 6.19, which is 72% below median its own 10-year median of 21.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current Days Payable of 6.19. The current Days Payable is 6.19, which is 72% below median its 10-year median of 21.98 and 81.7% below the Credit Services industry median of 33.87. HDB Financial Services' overall GF Score™ is 9/100 with 3 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 HDB Financial Services (NSE:HDBFS), the current Days Payable is 6.19 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.
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
9GF Score
Get the complete analysis for NSE:HDBFS
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:HDBFS has been successfully added to your 