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.
Mangal Credit & FincorpBOM:505850 -4.06%69 Gross Margin % is 44.45% as of Mar. 2026, which is 31% below its 10-year median of 64.59. GuruFocus rates BOM:505850 with a GF Score™ of 69/100 and a GF Value™ of ₹248.84 (Modestly Undervalued). The stock has 13 warning signs investors should review. Among 388 Credit Services companies, Mangal Credit & Fincorp ranks worse than 61.6% 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
Mangal Credit & Fincorp had a gross margin of 44.45% 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.
Mangal Credit & Fincorp Gross Margin % Related Terms
Mangal Credit & Fincorp Gross Margin % Historical Data
* 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:505850 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Mangal Credit & Fincorp'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.
Mangal Credit & Fincorp Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangal Credit & Fincorp's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Mangal Credit & Fincorp'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.
Mangal Credit & Fincorp (BOM:505850) has a Gross Margin % of 44.45% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Mangal Credit & Fincorp and its competitors. This is 31% below median its historical median of 64.59. Over the past decade, Mangal Credit & Fincorp's Gross Margin % has ranged from 26.62 to 89.46. According to the industry distribution chart, Mangal Credit & Fincorp ranks #239 out of 388 companies in the Credit Services industry, placing it in the top 61.6%.
Is Mangal Credit & Fincorp's Gross Margin % too high?
Mangal Credit & Fincorp's current Gross Margin % of 44.45% is 31% below median its 10-year median of 64.59. Over the past 10 years, this metric has ranged from a low of 26.62 to a high of 89.46. The Credit Services industry median Gross Margin % is 51.43. Mangal Credit & Fincorp's value of 44.45% is 13.6% below this industry median. Based on the distribution chart, Mangal Credit & Fincorp ranks #239 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mangal Credit & Fincorp has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mangal Credit & Fincorp's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Mangal Credit & Fincorp ranks #239 out of 388 companies for Gross Margin %. This places Mangal Credit & Fincorp in the lower half of its industry. The industry median Gross Margin % is 51.43. Mangal Credit & Fincorp's value of 44.45% is 13.6% below this benchmark. Historically, Mangal Credit & Fincorp's own Gross Margin % has ranged from 26.62 to 89.46 over the past decade. While the company's 10-year median is 64.59 vs. the industry median of 51.43, Mangal Credit & Fincorp 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.43, based on 388 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. Mangal Credit & Fincorp's current Gross Margin % of 44.45% is 13.6% 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 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 Mangal Credit & Fincorp and its competitors. For the Credit Services industry, the median Gross Margin % is 51.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangal Credit & Fincorp's current Gross Margin % is 44.45%, which is 31% below median its own 10-year median of 64.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mangal Credit & Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Mangal Credit & Fincorp (BOM:505850) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹248.84, compared to a current price of ₹223.25 — trading 10.3% below its estimated fair value. The current Gross Margin % is 44.45%, which is 31% below median its 10-year median of 64.59 and 13.6% below the Credit Services industry median of 51.43. Mangal Credit & Fincorp's overall GF Score™ is 69/100 with 13 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 Mangal Credit & Fincorp (BOM:505850), the current Gross Margin % is 44.45% 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 Mangal Credit & Fincorp (BOM:505850) Overvalued in 2026?
Based on GuruFocus' analysis, Mangal Credit & Fincorp stock appears to be undervalued.
The current stock price of ₹223.25 is trading 10.3% below its estimated GF Value™ of ₹248.84.
GuruFocus considers Mangal Credit & Fincorp to be Modestly Undervalued.
Key valuation signals for BOM:505850:
Gross Margin %: 44.45% (31% below median its 10-year median of 64.59)
GF Value™: ₹248.84 vs. price of ₹223.25 (10.3% below fair value)
Industry Position: 13.6% below the Credit Services median (#239 of 388)
No single metric tells the full story. See the BOM:505850 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mangal Credit & Fincorp Ltd is a non-banking financial company. The company offers services, including loans and credit facilities, private educational funding, and trade-in money market underwriting stocks and shares. Its products include Gold loans, Personal loans, and SME(small and medium enterprises) loans. Geographically all the operations function through the regions of India. The company generates the majority of its revenue from Interest Income. The company also generates revenue from Fees and commission income.
69GF Score
Get the complete analysis for BOM:505850
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:505850 has been successfully added to your 
