Usha Financial ServicesNSE:USHAFIN 24 Days Payable is 11.95 as of Mar. 2026, which is 32% above its 10-year median of 9.02. GuruFocus rates NSE:USHAFIN with a GF Score™ of 24/100. The stock has 3 warning signs investors should review. Among 299 Credit Services companies, Usha Financial Services ranks worse than 71.91% 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.
NSE:USHAFIN vs V, MA, AXP: Days Payable Comparison
For the Credit Services subindustry, Usha Financial Services'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.
Usha Financial Services Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's Days Payable distribution charts can be found below:
* The bar in red indicates where Usha Financial Services'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.
Usha Financial Services'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.
Usha Financial Services (NSE:USHAFIN) has a Days Payable of 11.95 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 Usha Financial Services and its competitors. This is 32% above median its historical median of 9.02. Over the past decade, Usha Financial Services' Days Payable has ranged from 5.82 to 15.77. According to the industry distribution chart, Usha Financial Services ranks #215 out of 299 companies in the Credit Services industry, placing it in the top 71.9%.
Is Usha Financial Services' Days Payable too high?
Usha Financial Services' current Days Payable of 11.95 is 32% above median its 10-year median of 9.02. Over the past 10 years, this metric has ranged from a low of 5.82 to a high of 15.77. The Credit Services industry median Days Payable is 33.87. Usha Financial Services' value of 11.95 is 64.7% below this industry median. Based on the distribution chart, Usha Financial Services ranks #215 out of 299 companies in the Credit Services industry, which is below the industry midpoint. Overall, Usha Financial Services has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #215 out of 299 companies for Days Payable. This places Usha Financial Services in the lower half of its industry. The industry median Days Payable is 33.87. Usha Financial Services' value of 11.95 is 64.7% below this benchmark. Historically, Usha Financial Services' own Days Payable has ranged from 5.82 to 15.77 over the past decade. While the company's 10-year median is 9.02 vs. the industry median of 33.87, Usha Financial Services 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 299 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. Usha Financial Services's current Days Payable of 11.95 is 64.7% 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 Usha Financial Services 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. Usha Financial Services's current Days Payable is 11.95, which is 32% above median its own 10-year median of 9.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current Days Payable of 11.95. The current Days Payable is 11.95, which is 32% above median its 10-year median of 9.02 and 64.7% below the Credit Services industry median of 33.87. Usha Financial Services' overall GF Score™ is 24/100 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 Usha Financial Services (NSE:USHAFIN), the current Days Payable is 11.95 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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