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Ad-Manum FinanceBOM:511359 +0.83%68 Gross Margin % is 84.53% as of Mar. 2026, which is 3% above its 10-year median of 82.32. GuruFocus rates BOM:511359 with a GF Score™ of 68/100 and a GF Value™ of ₹78.30 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Ad-Manum Finance ranks better than 92.25% 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
Ad-Manum Finance had a gross margin of 84.53% 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.
Ad-Manum Finance Gross Margin % Related Terms
Ad-Manum Finance Gross Margin % Historical Data
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The historical data trend for Ad-Manum Finance'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:511359 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Ad-Manum Finance'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.
Ad-Manum Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ad-Manum Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Ad-Manum Finance'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.
Ad-Manum Finance (BOM:511359) has a Gross Margin % of 84.53% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Ad-Manum Finance and its competitors. This is near median its historical median of 82.32. Over the past decade, Ad-Manum Finance's Gross Margin % has ranged from 47.86 to 87.33. According to the industry distribution chart, Ad-Manum Finance ranks #30 out of 387 companies in the Credit Services industry, placing it in the top 7.8%.
Is Ad-Manum Finance's Gross Margin % too high?
Ad-Manum Finance's current Gross Margin % of 84.53% is near median its 10-year median of 82.32. Over the past 10 years, this metric has ranged from a low of 47.86 to a high of 87.33. The Credit Services industry median Gross Margin % is 51.81. Ad-Manum Finance's value of 84.53% is 63.2% above this industry median. Based on the distribution chart, Ad-Manum Finance ranks #30 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ad-Manum Finance has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ad-Manum Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Ad-Manum Finance ranks #30 out of 387 companies for Gross Margin %. This places Ad-Manum Finance in the top 8% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.81. Ad-Manum Finance's value of 84.53% is 63.2% above this benchmark. Historically, Ad-Manum Finance's own Gross Margin % has ranged from 47.86 to 87.33 over the past decade. While the company's 10-year median is 82.32 vs. the industry median of 51.81, Ad-Manum 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 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. Ad-Manum Finance's current Gross Margin % of 84.53% is 63.2% 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 Ad-Manum Finance 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. Ad-Manum Finance's current Gross Margin % is 84.53%, which is near median its own 10-year median of 82.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ad-Manum Finance stock overvalued right now?
Based on GuruFocus' analysis, Ad-Manum Finance (BOM:511359) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹78.30, compared to a current price of ₹60.50 — trading 22.7% below its estimated fair value. The current Gross Margin % is 84.53%, which is near median its 10-year median of 82.32 and 63.2% above the Credit Services industry median of 51.81. Ad-Manum Finance's overall GF Score™ is 68/100 with 4 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 Ad-Manum Finance (BOM:511359), the current Gross Margin % is 84.53% 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 Ad-Manum Finance (BOM:511359) Overvalued in 2026?
Based on GuruFocus' analysis, Ad-Manum Finance stock appears to be undervalued.
The current stock price of ₹60.50 is trading 22.7% below its estimated GF Value™ of ₹78.30.
GuruFocus considers Ad-Manum Finance to be Modestly Undervalued.
Key valuation signals for BOM:511359:
Gross Margin %: 84.53% (near median its 10-year median of 82.32)
GF Value™: ₹78.30 vs. price of ₹60.50 (22.7% below fair value)
Industry Position: 63.2% above the Credit Services median (#30 of 387)
No single metric tells the full story. See the BOM:511359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ad-Manum Finance Ltd is a non-banking finance company which provides financing services for commercial vehicles in India. The company operates through two segments, Financial and Wind Power Generation. It finances various old and new vehicles, such as heavy commercial vehicles, light commercial vehicles, medium commercial vehicles, multi-utility vehicles, and three wheelers. The company derives a majority of revenue from Financial/Investment segment.
68GF Score
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