Sahara HousingfinaBOM:511533 +3.24%68 Gross Margin % is 26.61% as of Mar. 2026, which is 19% below its 10-year median of 32.73. GuruFocus rates BOM:511533 with a GF Score™ of 68/100 and a GF Value™ of ₹35.99 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 43 Banks companies, Sahara Housingfina ranks worse than 58.14% 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
Sahara Housingfina had a gross margin of 26.61% for the quarter that ended in Mar. 2026 => Competition eroding margins
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.
Sahara Housingfina Gross Margin % Related Terms
Sahara Housingfina Gross Margin % Historical Data
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The historical data trend for Sahara Housingfina'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:511533 vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina'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.
Sahara Housingfina (BOM:511533) has a Gross Margin % of 26.61% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Sahara Housingfina and its competitors. This is 19% below median its historical median of 32.73. Over the past decade, Sahara Housingfina's Gross Margin % has ranged from 15.48 to 37.51. According to the industry distribution chart, Sahara Housingfina ranks #25 out of 43 companies in the Banks industry, placing it in the top 58.1%.
Is Sahara Housingfina's Gross Margin % too high?
Sahara Housingfina's current Gross Margin % of 26.61% is 19% below median its 10-year median of 32.73. Over the past 10 years, this metric has ranged from a low of 15.48 to a high of 37.51. The Banks industry median Gross Margin % is 40.26. Sahara Housingfina's value of 26.61% is 33.9% below this industry median. Based on the distribution chart, Sahara Housingfina ranks #25 out of 43 companies in the Banks industry, which is below the industry midpoint. Overall, Sahara Housingfina has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #25 out of 43 companies for Gross Margin %. This places Sahara Housingfina in the lower half of its industry. The industry median Gross Margin % is 40.26. Sahara Housingfina's value of 26.61% is 33.9% below this benchmark. Historically, Sahara Housingfina's own Gross Margin % has ranged from 15.48 to 37.51 over the past decade. While the company's 10-year median is 32.73 vs. the industry median of 40.26, Sahara Housingfina 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 Banks company?
The median Gross Margin % among Banks companies is 40.26, based on 43 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. Sahara Housingfina's current Gross Margin % of 26.61% is 33.9% 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 Sahara Housingfina and its competitors. For the Banks industry, the median Gross Margin % is 40.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sahara Housingfina's current Gross Margin % is 26.61%, which is 19% below median its own 10-year median of 32.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹35.99, compared to a current price of ₹41.43 — trading 15.1% above its estimated fair value. The current Gross Margin % is 26.61%, which is 19% below median its 10-year median of 32.73 and 33.9% below the Banks industry median of 40.26. Sahara Housingfina's overall GF Score™ is 68/100 with 7 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 Sahara Housingfina (BOM:511533), the current Gross Margin % is 26.61% 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹41.43 is trading 15.1% above its estimated GF Value™ of ₹35.99.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
Gross Margin %: 26.61% (19% below median its 10-year median of 32.73)
GF Value™: ₹35.99 vs. price of ₹41.43 (15.1% above fair value)
Industry Position: 33.9% below the Banks median (#25 of 43)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
68GF Score
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