Transwarranty FinanceNSE:TFL -1.17%60 Days Payable is 9.91 as of Mar. 2026, which is 98% below its 10-year median of 537.44. GuruFocus rates NSE:TFL with a GF Score™ of 60/100 and a GF Value™ of ₹15.15 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 32 Banks companies, Transwarranty Finance ranks better than 93.75% on this metric.
Transwarranty Finance Days Payable Historical Data
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The historical data trend for Transwarranty 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.
NSE:TFL vs RKT, FNMA, PFSI: Days Payable Comparison
For the Mortgage Finance subindustry, Transwarranty 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.
Transwarranty Finance Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, Transwarranty Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Transwarranty 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.
Transwarranty 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.
Transwarranty Finance (NSE:TFL) has a Days Payable of 9.91 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 Transwarranty Finance and its competitors. This is 98% below median its historical median of 537.44. Over the past decade, Transwarranty Finance's Days Payable has ranged from 293.46 to 998.44. According to the industry distribution chart, Transwarranty Finance ranks #2 out of 32 companies in the Banks industry, placing it in the top 6.2%.
Is Transwarranty Finance's Days Payable too high?
Transwarranty Finance's current Days Payable of 9.91 is 98% below median its 10-year median of 537.44. Over the past 10 years, this metric has ranged from a low of 293.46 to a high of 998.44. The Banks industry median Days Payable is 32.05. Transwarranty Finance's value of 9.91 is 69.1% below this industry median. Based on the distribution chart, Transwarranty Finance ranks #2 out of 32 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Transwarranty Finance has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Transwarranty Finance's Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, Transwarranty Finance ranks #2 out of 32 companies for Days Payable. This places Transwarranty Finance in the top 6% of its industry — outperforming the majority of peers. The industry median Days Payable is 32.05. Transwarranty Finance's value of 9.91 is 69.1% below this benchmark. Historically, Transwarranty Finance's own Days Payable has ranged from 293.46 to 998.44 over the past decade. While the company's 10-year median is 537.44 vs. the industry median of 32.05, Transwarranty 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 Banks company?
The median Days Payable among Banks companies is 32.05, based on 32 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. Transwarranty Finance's current Days Payable of 9.91 is 69.1% 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 Transwarranty Finance and its competitors. For the Banks industry, the median Days Payable is 32.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Transwarranty Finance's current Days Payable is 9.91, which is 98% below median its own 10-year median of 537.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Transwarranty Finance stock overvalued right now?
Based on GuruFocus' analysis, Transwarranty Finance (NSE:TFL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹15.15, compared to a current price of ₹11.82 — trading 22% below its estimated fair value. The current Days Payable is 9.91, which is 98% below median its 10-year median of 537.44 and 69.1% below the Banks industry median of 32.05. Transwarranty Finance's overall GF Score™ is 60/100 with 4 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 Transwarranty Finance (NSE:TFL), the current Days Payable is 9.91 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 Transwarranty Finance (NSE:TFL) Overvalued in 2026?
Based on GuruFocus' analysis, Transwarranty Finance stock appears to be undervalued.
The current stock price of ₹11.82 is trading 22% below its estimated GF Value™ of ₹15.15.
GuruFocus considers Transwarranty Finance to be Modestly Undervalued.
Key valuation signals for NSE:TFL:
Days Payable: 9.91 (98% below median its 10-year median of 537.44)
GF Value™: ₹15.15 vs. price of ₹11.82 (22% below fair value)
Industry Position: 69.1% below the Banks median (#2 of 32)
No single metric tells the full story. See the NSE:TFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Transwarranty Finance Ltd is engaged in providing financial services. It is engaged in advisory services like investment banking, corporate finance, project finance, trade finance, and providing business and retail loans against collateral security of immovable property, liquid assets like shares, other financial assets, gold jewelry, and others. Geographically, the company operates only in the Indian market.
60GF Score
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