Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
SW InvestmentsBOM:503659 +4.98%70 Gross Margin % is 97.70% as of Mar. 2026, which is 7% above its 10-year median of 91.04. GuruFocus rates BOM:503659 with a GF Score™ of 70/100 and a GF Value™ of ₹151.75 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 387 Credit Services companies, SW Investments ranks better than 98.71% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
SW Investments had a gross margin of 97.70% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
SW Investments Gross Margin % Related Terms
SW Investments Gross Margin % Historical Data
* Premium members only.
The historical data trend for SW Investments's Gross 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:503659 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, SW Investments's Gross Margin %, along with its competitors' market caps and Gross 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.
SW Investments Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SW Investments's Gross Margin % distribution charts can be found below:
* The bar in red indicates where SW Investments's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
SW Investments (BOM:503659) has a Gross Margin % of 97.70% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on SW Investments and its competitors. This is near median its historical median of 91.04. Over the past decade, SW Investments' Gross Margin % has ranged from 2.13 to 97.20. According to the industry distribution chart, SW Investments ranks #5 out of 387 companies in the Credit Services industry, placing it in the top 1.3%.
Is SW Investments' Gross Margin % too high?
SW Investments' current Gross Margin % of 97.70% is near median its 10-year median of 91.04. Over the past 10 years, this metric has ranged from a low of 2.13 to a high of 97.20. The Credit Services industry median Gross Margin % is 51.81. SW Investments' value of 97.70% is 88.6% above this industry median. Based on the distribution chart, SW Investments ranks #5 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SW Investments has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SW Investments' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SW Investments ranks #5 out of 387 companies for Gross Margin %. This places SW Investments in the top 1% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.81. SW Investments' value of 97.70% is 88.6% above this benchmark. Historically, SW Investments' own Gross Margin % has ranged from 2.13 to 97.20 over the past decade. While the company's 10-year median is 91.04 vs. the industry median of 51.81, SW Investments 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.81, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SW Investments's current Gross Margin % of 97.70% is 88.6% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on SW Investments and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SW Investments's current Gross Margin % is 97.70%, which is near median its own 10-year median of 91.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SW Investments stock overvalued right now?
Based on GuruFocus' analysis, SW Investments (BOM:503659) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹151.75, compared to a current price of ₹176.95 — trading 16.6% above its estimated fair value. The current Gross Margin % is 97.70%, which is near median its 10-year median of 91.04 and 88.6% above the Credit Services industry median of 51.81. SW Investments' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For SW Investments (BOM:503659), the current Gross Margin % is 97.70% 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 SW Investments (BOM:503659) Overvalued in 2026?
Based on GuruFocus' analysis, SW Investments stock appears to be overvalued.
The current stock price of ₹176.95 is trading 16.6% above its estimated GF Value™ of ₹151.75.
GuruFocus considers SW Investments to be Modestly Overvalued.
Key valuation signals for BOM:503659:
Gross Margin %: 97.70% (near median its 10-year median of 91.04)
GF Value™: ₹151.75 vs. price of ₹176.95 (16.6% above fair value)
Industry Position: 88.6% above the Credit Services median (#5 of 387)
No single metric tells the full story. See the BOM:503659 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SW Investments Ltd is an India-based company providing financial and investment services. It holds assets in the form of investments in equity shares and debentures. It is engaged in holding securities in various companies. The company generates revenue in the form of interest and dividends.
70GF Score
Get the complete analysis for BOM:503659
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:503659 has been successfully added to your 
