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MAS Financial ServicesNSE:MASFIN +1.57%82 Days Payable is 11.02 as of Mar. 2026, which is 24% above its 10-year median of 8.92. GuruFocus rates NSE:MASFIN with a GF Score™ of 82/100 and a GF Value™ of ₹437.60 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 300 Credit Services companies, MAS Financial Services ranks worse than 70.33% 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, MAS 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.
MAS Financial Services Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's Days Payable distribution charts can be found below:
* The bar in red indicates where MAS 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.
MAS 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.
MAS Financial Services (NSE:MASFIN) has a Days Payable of 11.02 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 MAS Financial Services and its competitors. This is 24% above median its historical median of 8.92. Over the past decade, MAS Financial Services' Days Payable has ranged from 6.22 to 12.15. According to the industry distribution chart, MAS Financial Services ranks #211 out of 300 companies in the Credit Services industry, placing it in the top 70.3%.
Is MAS Financial Services' Days Payable too high?
MAS Financial Services' current Days Payable of 11.02 is 24% above median its 10-year median of 8.92. Over the past 10 years, this metric has ranged from a low of 6.22 to a high of 12.15. The Credit Services industry median Days Payable is 33.41. MAS Financial Services' value of 11.02 is 67% below this industry median. Based on the distribution chart, MAS Financial Services ranks #211 out of 300 companies in the Credit Services industry, which is below the industry midpoint. Overall, MAS Financial Services has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MAS Financial Services' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #211 out of 300 companies for Days Payable. This places MAS Financial Services in the lower half of its industry. The industry median Days Payable is 33.41. MAS Financial Services' value of 11.02 is 67% below this benchmark. Historically, MAS Financial Services' own Days Payable has ranged from 6.22 to 12.15 over the past decade. While the company's 10-year median is 8.92 vs. the industry median of 33.41, MAS 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 33.41, 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. MAS Financial Services's current Days Payable of 11.02 is 67% 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 MAS Financial Services and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current Days Payable is 11.02, which is 24% above median its own 10-year median of 8.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MAS Financial Services stock overvalued right now?
Based on GuruFocus' analysis, MAS Financial Services (NSE:MASFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹437.60, compared to a current price of ₹323.55 — trading 26.1% below its estimated fair value. The current Days Payable is 11.02, which is 24% above median its 10-year median of 8.92 and 67% below the Credit Services industry median of 33.41. MAS Financial Services' overall GF Score™ is 82/100 with 8 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 MAS Financial Services (NSE:MASFIN), the current Days Payable is 11.02 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 MAS Financial Services (NSE:MASFIN) Overvalued in 2026?
Based on GuruFocus' analysis, MAS Financial Services stock appears to be undervalued.
The current stock price of ₹323.55 is trading 26.1% below its estimated GF Value™ of ₹437.60.
GuruFocus considers MAS Financial Services to be Modestly Undervalued.
Key valuation signals for NSE:MASFIN:
Days Payable: 11.02 (24% above median its 10-year median of 8.92)
GF Value™: ₹437.60 vs. price of ₹323.55 (26.1% below fair value)
Industry Position: 67% below the Credit Services median (#211 of 300)
No single metric tells the full story. See the NSE:MASFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MAS Financial Services Ltd operates as a non-banking financial company. It is mainly in the retail business, comprising Micro, small, and medium enterprises, two-wheelers, three-wheelers, and multi-utility vehicles loans to individual borrowers and loans to microfinance institutions and other non-banking financial companies. It focuses on the lower-income and middle-income groups of society, spread across urban, semi-urban, and rural areas, including formal and informal sectors.
82GF Score
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