Satin Creditcare NetworkNSE:SATIN +0.61%64 Days Payable is 1.33 as of Mar. 2026, which is 63% below its 10-year median of 3.55. GuruFocus rates NSE:SATIN with a GF Score™ of 64/100 and a GF Value™ of ₹179.19 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 300 Credit Services companies, Satin Creditcare Network ranks worse than 95% 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, Satin Creditcare Network'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.
Satin Creditcare Network Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Satin Creditcare Network's Days Payable distribution charts can be found below:
* The bar in red indicates where Satin Creditcare Network'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.
Satin Creditcare Network'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.
Satin Creditcare Network (NSE:SATIN) has a Days Payable of 1.33 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 Satin Creditcare Network and its competitors. This is 63% below median its historical median of 3.55. Over the past decade, Satin Creditcare Network's Days Payable has ranged from 0.85 to 7.80. According to the industry distribution chart, Satin Creditcare Network ranks #285 out of 300 companies in the Credit Services industry, placing it in the top 95%.
Is Satin Creditcare Network's Days Payable too high?
Satin Creditcare Network's current Days Payable of 1.33 is 63% below median its 10-year median of 3.55. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 7.80. The Credit Services industry median Days Payable is 33.41. Satin Creditcare Network's value of 1.33 is 96% below this industry median. Based on the distribution chart, Satin Creditcare Network ranks #285 out of 300 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Satin Creditcare Network has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Satin Creditcare Network's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Satin Creditcare Network ranks #285 out of 300 companies for Days Payable. This places Satin Creditcare Network in the lower half of its industry. The industry median Days Payable is 33.41. Satin Creditcare Network's value of 1.33 is 96% below this benchmark. Historically, Satin Creditcare Network's own Days Payable has ranged from 0.85 to 7.80 over the past decade. While the company's 10-year median is 3.55 vs. the industry median of 33.41, Satin Creditcare Network 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. Satin Creditcare Network's current Days Payable of 1.33 is 96% 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 Satin Creditcare Network 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. Satin Creditcare Network's current Days Payable is 1.33, which is 63% below median its own 10-year median of 3.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Satin Creditcare Network stock overvalued right now?
Based on GuruFocus' analysis, Satin Creditcare Network (NSE:SATIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹179.19, compared to a current price of ₹256.68 — trading 43.2% above its estimated fair value. The current Days Payable is 1.33, which is 63% below median its 10-year median of 3.55 and 96% below the Credit Services industry median of 33.41. Satin Creditcare Network's overall GF Score™ is 64/100 with 7 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 Satin Creditcare Network (NSE:SATIN), the current Days Payable is 1.33 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 Satin Creditcare Network (NSE:SATIN) Overvalued in 2026?
Based on GuruFocus' analysis, Satin Creditcare Network stock appears to be overvalued.
The current stock price of ₹256.68 is trading 43.2% above its estimated GF Value™ of ₹179.19.
GuruFocus considers Satin Creditcare Network to be Significantly Overvalued.
Key valuation signals for NSE:SATIN:
Days Payable: 1.33 (63% below median its 10-year median of 3.55)
GF Value™: ₹179.19 vs. price of ₹256.68 (43.2% above fair value)
Industry Position: 96% below the Credit Services median (#285 of 300)
No single metric tells the full story. See the NSE:SATIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Satin Creditcare Network Ltd is a micro-finance company based in India. Its core services are non-banking financial services. The company also offers loans to individual businesses; loans to micro, small and medium enterprises, product loans for financing the purchase of solar lamps, bicycles, and consumer durables, and loans for the development of water connections and sanitation facilities. Geographically, it operates only in India. The Company operates in a single reportable segment i.e. financing which has similar risks and returns. The Company derives its maximum revenues from financing activities and its customers are widespread.
64GF Score
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