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Trucap FinanceNSE:TRU -3.35%63 Days Payable is 6.22 as of Mar. 2026, which is 56% below its 10-year median of 14.29. GuruFocus rates NSE:TRU with a GF Score™ of 63/100 and a GF Value™ of ₹8.62 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 300 Credit Services companies, Trucap Finance ranks worse than 76% on this metric.
The historical rank and industry rank for Trucap Finance's Days Payable or its related term are showing as below:
NSE:TRU'
s Days Payable Range Over the Past 10 Years
Min: 6.61 Med: 14.29 Max: 26.43
Current: 8.47
During the past 13 years, Trucap Finance's highest Days Payable was 26.43. The lowest was 6.61. And the median was 14.29.
NSE:TRU's Days Payable is ranked worse than 76% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs NSE:TRU: 8.47
Trucap Finance's Days Payable
stayed the same
from Mar. 2025 (6.22) to Mar. 2026 (6.22).
stayed the same
Trucap Finance Days Payable Related Terms
Trucap Finance Days Payable Historical Data
* Premium members only.
The historical data trend for Trucap 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, Trucap 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.
Trucap Finance Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Trucap Finance's Days Payable distribution charts can be found below:
* The bar in red indicates where Trucap 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.
Trucap 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.
Trucap Finance (NSE:TRU) has a Days Payable of 6.22 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 Trucap Finance and its competitors. This is 56% below median its historical median of 14.29. Over the past decade, Trucap Finance's Days Payable has ranged from 6.61 to 26.43. According to the industry distribution chart, Trucap Finance ranks #228 out of 300 companies in the Credit Services industry, placing it in the top 76%.
Is Trucap Finance's Days Payable too high?
Trucap Finance's current Days Payable of 6.22 is 56% below median its 10-year median of 14.29. Over the past 10 years, this metric has ranged from a low of 6.61 to a high of 26.43. The Credit Services industry median Days Payable is 33.41. Trucap Finance's value of 6.22 is 81.4% below this industry median. Based on the distribution chart, Trucap Finance ranks #228 out of 300 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Trucap 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 Trucap Finance's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Trucap Finance ranks #228 out of 300 companies for Days Payable. This places Trucap Finance in the lower half of its industry. The industry median Days Payable is 33.41. Trucap Finance's value of 6.22 is 81.4% below this benchmark. Historically, Trucap Finance's own Days Payable has ranged from 6.61 to 26.43 over the past decade. While the company's 10-year median is 14.29 vs. the industry median of 33.41, Trucap 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 33.41, 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. Trucap Finance's current Days Payable of 6.22 is 81.4% 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 Trucap Finance 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. Trucap Finance's current Days Payable is 6.22, which is 56% below median its own 10-year median of 14.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trucap Finance stock overvalued right now?
Based on GuruFocus' analysis, Trucap Finance (NSE:TRU) is currently considered Possible Value Trap. The stock's GF Value™ is ₹8.62, compared to a current price of ₹5.20 — trading 39.7% below its estimated fair value. The current Days Payable is 6.22, which is 56% below median its 10-year median of 14.29 and 81.4% below the Credit Services industry median of 33.41. Trucap Finance's overall GF Score™ is 63/100 with 5 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 Trucap Finance (NSE:TRU), the current Days Payable is 6.22 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 Trucap Finance (NSE:TRU) Overvalued in 2026?
Based on GuruFocus' analysis, Trucap Finance stock appears to be undervalued.
The current stock price of ₹5.20 is trading 39.7% below its estimated GF Value™ of ₹8.62.
GuruFocus considers Trucap Finance to be Possible Value Trap.
Key valuation signals for NSE:TRU:
Days Payable: 6.22 (56% below median its 10-year median of 14.29)
GF Value™: ₹8.62 vs. price of ₹5.20 (39.7% below fair value)
Industry Position: 81.4% below the Credit Services median (#228 of 300)
No single metric tells the full story. See the NSE:TRU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trucap Finance Ltd is a non-banking finance company which engages in financing business in India. It offers products such as Loan Against Property, Personal Loan, Medical Loan and School Fee Loan among others. The company's operating segment includes Fund based activities and Advisory services. It generates maximum revenue from Fund based activities segment.
63GF Score
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