* 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, Indian Railway 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.
Indian Railway Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Indian Railway 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.
Indian Railway 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.
Indian Railway Finance (NSE:IRFC) has a Days Payable of 0.00 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 Indian Railway Finance and its competitors. Over the past decade, Indian Railway Finance's Days Payable has ranged from 186.81 to 282.38. According to the industry distribution chart, Indian Railway Finance ranks #53 out of 301 companies in the Credit Services industry, placing it in the top 17.6%.
Is Indian Railway Finance's Days Payable too high?
Indian Railway Finance's current Days Payable is 0.00. Over the past 10 years, this metric has ranged from a low of 186.81 to a high of 282.38. Based on the distribution chart, Indian Railway Finance ranks #53 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Indian Railway Finance has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #53 out of 301 companies for Days Payable. This places Indian Railway Finance in the top 18% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Historically, Indian Railway Finance's own Days Payable has ranged from 186.81 to 282.38 over the past decade. 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. 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 Indian Railway 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. Indian Railway Finance's current Days Payable is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indian Railway Finance stock overvalued right now?
Based on GuruFocus' analysis, Indian Railway Finance (NSE:IRFC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹127.70, compared to a current price of ₹90.83 — trading 28.9% below its estimated fair value. The current Days Payable is 0.00. Indian Railway Finance's overall GF Score™ is 70/100 with 9 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 Indian Railway Finance (NSE:IRFC), the current Days Payable is 0.00 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 Indian Railway Finance (NSE:IRFC) Overvalued in 2026?
Based on GuruFocus' analysis, Indian Railway Finance stock appears to be undervalued.
The current stock price of ₹90.83 is trading 28.9% below its estimated GF Value™ of ₹127.70.
GuruFocus considers Indian Railway Finance to be Modestly Undervalued.
Key valuation signals for NSE:IRFC:
Days Payable: 0.00
GF Value™: ₹127.70 vs. price of ₹90.83 (28.9% below fair value)
No single metric tells the full story. See the NSE:IRFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indian Railway Finance Corp Ltd is engaged in the business of borrowing funds from the financial markets to finance the acquisition/creation of assets, which are then leased out to the Indian Railways or any entity under the Ministry of Railways. Its only operating segment is Leasing and Finance. The company generates maximum revenue from Lease Income.
70GF Score
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Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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