SBFC FinanceNSE:SBFC +0.14%63 Days Payable is 4.66 as of Mar. 2026, which is 35% below its 10-year median of 7.13. GuruFocus rates NSE:SBFC with a GF Score™ of 63/100 and a GF Value™ of ₹130.33 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 301 Credit Services companies, SBFC Finance ranks worse than 83.06% on this metric.
The historical rank and industry rank for SBFC Finance's Days Payable or its related term are showing as below:
NSE:SBFC'
s Days Payable Range Over the Past 10 Years
Min: 5.11 Med: 7.13 Max: 8.02
Current: 5.11
During the past 7 years, SBFC Finance's highest Days Payable was 8.02. The lowest was 5.11. And the median was 7.13.
NSE:SBFC's Days Payable is ranked worse than 83.06% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs NSE:SBFC: 5.11
SBFC Finance's Days Payable
increased
from Mar. 2025 (4.63) to Mar. 2026 (4.66).
It may suggest that SBFC Financedelayed paying its suppliers.
SBFC Finance Days Payable Related Terms
SBFC Finance Days Payable Historical Data
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The historical data trend for SBFC Finance'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.
For the Credit Services subindustry, SBFC 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.
SBFC Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where SBFC 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.
SBFC 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.
SBFC Finance (NSE:SBFC) has a Days Payable of 4.66 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 SBFC Finance and its competitors. This is 35% below median its historical median of 7.13. Over the past decade, SBFC Finance's Days Payable has ranged from 5.11 to 8.02. According to the industry distribution chart, SBFC Finance ranks #250 out of 301 companies in the Credit Services industry, placing it in the top 83.1%.
Is SBFC Finance's Days Payable too high?
SBFC Finance's current Days Payable of 4.66 is 35% below median its 10-year median of 7.13. Over the past 10 years, this metric has ranged from a low of 5.11 to a high of 8.02. The Credit Services industry median Days Payable is 33.87. SBFC Finance's value of 4.66 is 86.2% below this industry median. Based on the distribution chart, SBFC Finance ranks #250 out of 301 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SBFC Finance has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #250 out of 301 companies for Days Payable. This places SBFC Finance in the lower half of its industry. The industry median Days Payable is 33.87. SBFC Finance's value of 4.66 is 86.2% below this benchmark. Historically, SBFC Finance's own Days Payable has ranged from 5.11 to 8.02 over the past decade. While the company's 10-year median is 7.13 vs. the industry median of 33.87, SBFC Finance 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. SBFC Finance's current Days Payable of 4.66 is 86.2% 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 SBFC 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. SBFC Finance's current Days Payable is 4.66, which is 35% below median its own 10-year median of 7.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹130.33, compared to a current price of ₹91.25 — trading 30% below its estimated fair value. The current Days Payable is 4.66, which is 35% below median its 10-year median of 7.13 and 86.2% below the Credit Services industry median of 33.87. SBFC Finance's overall GF Score™ is 63/100 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 SBFC Finance (NSE:SBFC), the current Days Payable is 4.66 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 SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹91.25 is trading 30% below its estimated GF Value™ of ₹130.33.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
Days Payable: 4.66 (35% below median its 10-year median of 7.13)
GF Value™: ₹130.33 vs. price of ₹91.25 (30% below fair value)
Industry Position: 86.2% below the Credit Services median (#250 of 301)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
63GF Score
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