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One97 CommunicationsNSE:PAYTM +0.79%72 Days Payable is 47.86 as of Jun. 2026, which is 4% below its 10-year median of 49.86. GuruFocus rates NSE:PAYTM with a GF Score™ of 72/100 and a GF Value™ of ₹989.82 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 2,610 Software companies, One97 Communications ranks worse than 53.75% on this metric.
The historical rank and industry rank for One97 Communications's Days Payable or its related term are showing as below:
NSE:PAYTM'
s Days Payable Range Over the Past 10 Years
Min: 40.72 Med: 49.86 Max: 78.48
Current: 47.35
During the past 8 years, One97 Communications's highest Days Payable was 78.48. The lowest was 40.72. And the median was 49.86.
NSE:PAYTM's Days Payable is ranked worse than 53.75% of 2610
companies
in the Software industry
Industry Median: 52.78
vs NSE:PAYTM: 47.35
One97 Communications's Days Payable
declined
from Jun. 2025 (48.60) to Jun. 2026 (47.86).
It may suggest that One97 Communicationsaccelerated paying its suppliers.
The historical data trend for One97 Communications'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.
NSE:PAYTM vs MSFT, ORCL, PLTR: Days Payable Comparison
For the Software - Infrastructure subindustry, One97 Communications'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.
One97 Communications Days Payable vs Software Industry
For the Software industry and Technology sector, One97 Communications's Days Payable distribution charts can be found below:
* The bar in red indicates where One97 Communications'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.
One97 Communications'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.
One97 Communications (NSE:PAYTM) has a Days Payable of 47.86 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on One97 Communications and its competitors. This is near median its historical median of 49.86. Over the past decade, One97 Communications' Days Payable has ranged from 40.72 to 78.48. According to the industry distribution chart, One97 Communications ranks #1403 out of 2610 companies in the Software industry, placing it in the top 53.8%.
Is One97 Communications' Days Payable too high?
One97 Communications' current Days Payable of 47.86 is near median its 10-year median of 49.86. Over the past 10 years, this metric has ranged from a low of 40.72 to a high of 78.48. The Software industry median Days Payable is 52.78. One97 Communications' value of 47.86 is 9.3% below this industry median. Based on the distribution chart, One97 Communications ranks #1403 out of 2610 companies in the Software industry, which is below the industry midpoint. Overall, One97 Communications has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does One97 Communications' Days Payable compare to MSFT and ORCL?
According to the Software industry distribution chart, One97 Communications ranks #1403 out of 2610 companies for Days Payable. This places One97 Communications in the lower half of its industry. The industry median Days Payable is 52.78. One97 Communications' value of 47.86 is 9.3% below this benchmark. Historically, One97 Communications' own Days Payable has ranged from 40.72 to 78.48 over the past decade. While the company's 10-year median is 49.86 vs. the industry median of 52.78, One97 Communications 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 Software company?
The median Days Payable among Software companies is 52.78, based on 2,610 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. One97 Communications's current Days Payable of 47.86 is 9.3% 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 One97 Communications and its competitors. For the Software industry, the median Days Payable is 52.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. One97 Communications's current Days Payable is 47.86, which is near median its own 10-year median of 49.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is One97 Communications stock overvalued right now?
Based on GuruFocus' analysis, One97 Communications (NSE:PAYTM) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹989.82, compared to a current price of ₹1,343.00 — trading 35.7% above its estimated fair value. The current Days Payable is 47.86, which is near median its 10-year median of 49.86 and 9.3% below the Software industry median of 52.78. One97 Communications' overall GF Score™ is 72/100 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 One97 Communications (NSE:PAYTM), the current Days Payable is 47.86 as of Jun. 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 One97 Communications (NSE:PAYTM) Overvalued in 2026?
Based on GuruFocus' analysis, One97 Communications stock appears to be overvalued.
The current stock price of ₹1,343.00 is trading 35.7% above its estimated GF Value™ of ₹989.82.
GuruFocus considers One97 Communications to be Significantly Overvalued.
Key valuation signals for NSE:PAYTM:
Days Payable: 47.86 (near median its 10-year median of 49.86)
GF Value™: ₹989.82 vs. price of ₹1,343.00 (35.7% above fair value)
Industry Position: 9.3% below the Software median (#1403 of 2610)
No single metric tells the full story. See the NSE:PAYTM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
One97 Communications Ltd is a digital ecosystem for consumers and merchants. The company is in the business of providing a) payment and financial services which mainly include payment facilitator services, facilitation of consumer and merchant loan distribution to consumers and merchants, wealth management, etc. b) marketing services which consist of aggregator for digital products, ticketing business, providing voice and messaging platforms to the telecom operators and enterprise customers and other businesses. The group generates the majority of its revenue from customers domiciled in India.
72GF Score
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