Raama FinanceBOM:538540 -1.97%77 EBITDA Margin % is 36.51% as of Mar. 2026, which is 491% above its 10-year median of 6.18. GuruFocus rates BOM:538540 with a GF Score™ of 77/100 and a GF Value™ of ₹32.21 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 412 Credit Services companies, Raama Finance ranks better than 66.02% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Raama Finance's EBITDA for the
three
months ended in Mar. 2026 was ₹35.2 Mil. Raama Finance's Revenue for the
three
months ended in Mar. 2026 was ₹96.3 Mil. Therefore, Raama Finance's EBITDA margin for the quarter that ended in Mar. 2026 was 36.51%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Raama Finance EBITDA Margin % Related Terms
Raama Finance EBITDA Margin % Historical Data
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The historical data trend for Raama Finance's EBITDA Margin % 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.
BOM:538540 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Raama Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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.
Raama Finance EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raama Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Raama Finance's EBITDA Margin % falls into.
* 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.
Raama Finance (BOM:538540) has a EBITDA Margin % of 36.51% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Raama Finance and its competitors. This is 491% above median its historical median of 6.18. Over the past decade, Raama Finance's EBITDA Margin % has ranged from 3.00 to 35.45. According to the industry distribution chart, Raama Finance ranks #140 out of 412 companies in the Credit Services industry, placing it in the top 34%.
Is Raama Finance's EBITDA Margin % too high?
Raama Finance's current EBITDA Margin % of 36.51% is 491% above median its 10-year median of 6.18. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 35.45. The Credit Services industry median EBITDA Margin % is 21.04. Raama Finance's value of 36.51% is 73.6% above this industry median. Based on the distribution chart, Raama Finance ranks #140 out of 412 companies in the Credit Services industry, which is above the industry midpoint. Overall, Raama Finance has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Raama Finance's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Raama Finance ranks #140 out of 412 companies for EBITDA Margin %. This puts Raama Finance in the upper half of its industry. The industry median EBITDA Margin % is 21.04. Raama Finance's value of 36.51% is 73.6% above this benchmark. Historically, Raama Finance's own EBITDA Margin % has ranged from 3.00 to 35.45 over the past decade. While the company's 10-year median is 6.18 vs. the industry median of 21.04, Raama Finance has consistently been above 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.04, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raama Finance's current EBITDA Margin % of 36.51% is 73.6% above 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Raama Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raama Finance's current EBITDA Margin % is 36.51%, which is 491% above median its own 10-year median of 6.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raama Finance stock overvalued right now?
Based on GuruFocus' analysis, Raama Finance (BOM:538540) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹32.21, compared to a current price of ₹17.87 — trading 44.5% below its estimated fair value. The current EBITDA Margin % is 36.51%, which is 491% above median its 10-year median of 6.18 and 73.6% above the Credit Services industry median of 21.04. Raama Finance's overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Raama Finance (BOM:538540), the current EBITDA Margin % is 36.51% 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 Raama Finance (BOM:538540) Overvalued in 2026?
Based on GuruFocus' analysis, Raama Finance stock appears to be undervalued.
The current stock price of ₹17.87 is trading 44.5% below its estimated GF Value™ of ₹32.21.
GuruFocus considers Raama Finance to be Significantly Undervalued.
Key valuation signals for BOM:538540:
EBITDA Margin %: 36.51% (491% above median its 10-year median of 6.18)
GF Value™: ₹32.21 vs. price of ₹17.87 (44.5% below fair value)
Industry Position: 73.6% above the Credit Services median (#140 of 412)
No single metric tells the full story. See the BOM:538540 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raama Finance Ltd, formerly known as Ramchandra Leasing & Finance Ltd, is a non-banking finance company. It is engaged in commercial loan activities. Its services include leasing (short term and long term) and hire purchase. It provides financial assistance in the form of loans (secured and unsecured) to corporate bodies. The company offers working capital term loan for a term period of a year and two.
77GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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