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JA FinanceBOM:543860 +0.17%54 EBITDA Margin % is 42.27% as of Mar. 2026, which is 12% below its 10-year median of 48.03. GuruFocus rates BOM:543860 with a GF Score™ of 54/100 and a GF Value™ of ₹47.19 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 418 Credit Services companies, JA Finance ranks better than 59.09% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. JA Finance's EBITDA for the
three
months ended in Mar. 2026 was ₹2.93 Mil. JA Finance's Revenue for the
three
months ended in Mar. 2026 was ₹6.94 Mil. Therefore, JA Finance's EBITDA margin for the quarter that ended in Mar. 2026 was 42.27%.
JA Finance (BOM:543860) EBITDA Margin % Explanation
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.
JA Finance EBITDA Margin % Related Terms
JA Finance EBITDA Margin % Historical Data
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The historical data trend for JA 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:543860 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, JA 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.
JA Finance EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, JA Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where JA 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.
JA Finance (BOM:543860) has a EBITDA Margin % of 42.27% 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 JA Finance and its competitors. This is 12% below median its historical median of 48.03. Over the past decade, JA Finance's EBITDA Margin % has ranged from 14.46 to 79.27. According to the industry distribution chart, JA Finance ranks #171 out of 418 companies in the Credit Services industry, placing it in the top 40.9%.
Is JA Finance's EBITDA Margin % too high?
JA Finance's current EBITDA Margin % of 42.27% is 12% below median its 10-year median of 48.03. Over the past 10 years, this metric has ranged from a low of 14.46 to a high of 79.27. The Credit Services industry median EBITDA Margin % is 21.53. JA Finance's value of 42.27% is 96.3% above this industry median. Based on the distribution chart, JA Finance ranks #171 out of 418 companies in the Credit Services industry, which is above the industry midpoint. Overall, JA Finance has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JA Finance's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, JA Finance ranks #171 out of 418 companies for EBITDA Margin %. This puts JA Finance in the upper half of its industry. The industry median EBITDA Margin % is 21.53. JA Finance's value of 42.27% is 96.3% above this benchmark. Historically, JA Finance's own EBITDA Margin % has ranged from 14.46 to 79.27 over the past decade. While the company's 10-year median is 48.03 vs. the industry median of 21.53, JA 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 21.53, based on 418 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. JA Finance's current EBITDA Margin % of 42.27% is 96.3% 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 JA Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JA Finance's current EBITDA Margin % is 42.27%, which is 12% below median its own 10-year median of 48.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JA Finance stock overvalued right now?
Based on GuruFocus' analysis, JA Finance (BOM:543860) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹47.19, compared to a current price of ₹120.00 — trading 154.3% above its estimated fair value. The current EBITDA Margin % is 42.27%, which is 12% below median its 10-year median of 48.03 and 96.3% above the Credit Services industry median of 21.53. JA Finance's overall GF Score™ is 54/100 with 7 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 JA Finance (BOM:543860), the current EBITDA Margin % is 42.27% 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 JA Finance (BOM:543860) Overvalued in 2026?
Based on GuruFocus' analysis, JA Finance stock appears to be overvalued.
The current stock price of ₹120.00 is trading 154.3% above its estimated GF Value™ of ₹47.19.
GuruFocus considers JA Finance to be Significantly Overvalued.
Key valuation signals for BOM:543860:
EBITDA Margin %: 42.27% (12% below median its 10-year median of 48.03)
GF Value™: ₹47.19 vs. price of ₹120.00 (154.3% above fair value)
Industry Position: 96.3% above the Credit Services median (#171 of 418)
No single metric tells the full story. See the BOM:543860 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JA Finance Ltd is engaged in the business of financing and investing (share and derivative trading/transactions). The company derives its revenue from financing activities and its customers are widespread. The Company is operating in India which is considered as a single geographical segment.
54GF 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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