GIC Housing FinanceBOM:511676 +1.57%57 Gross Margin % is 28.53% as of Mar. 2026, which is 1% below its 10-year median of 28.73. GuruFocus rates BOM:511676 with a GF Score™ of 57/100 and a GF Value™ of ₹192.57 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 44 Banks companies, GIC Housing Finance ranks worse than 79.55% 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
GIC Housing Finance had a gross margin of 28.53% 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.
GIC Housing Finance Gross Margin % Related Terms
GIC Housing Finance Gross Margin % Historical Data
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The historical data trend for GIC Housing 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:511676 vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, GIC Housing 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.
GIC Housing Finance Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where GIC Housing 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.
GIC Housing Finance (BOM:511676) has a Gross Margin % of 28.53% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on GIC Housing Finance and its competitors. This is near median its historical median of 28.73. Over the past decade, GIC Housing Finance's Gross Margin % has ranged from 21.86 to 35.44. According to the industry distribution chart, GIC Housing Finance ranks #35 out of 44 companies in the Banks industry, placing it in the top 79.5%.
Is GIC Housing Finance's Gross Margin % too high?
GIC Housing Finance's current Gross Margin % of 28.53% is near median its 10-year median of 28.73. Over the past 10 years, this metric has ranged from a low of 21.86 to a high of 35.44. The Banks industry median Gross Margin % is 41.02. GIC Housing Finance's value of 28.53% is 30.4% below this industry median. Based on the distribution chart, GIC Housing Finance ranks #35 out of 44 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, GIC Housing Finance has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #35 out of 44 companies for Gross Margin %. This places GIC Housing Finance in the lower half of its industry. The industry median Gross Margin % is 41.02. GIC Housing Finance's value of 28.53% is 30.4% below this benchmark. Historically, GIC Housing Finance's own Gross Margin % has ranged from 21.86 to 35.44 over the past decade. While the company's 10-year median is 28.73 vs. the industry median of 41.02, GIC Housing Finance 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 41.02, based on 44 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. GIC Housing Finance's current Gross Margin % of 28.53% is 30.4% 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 GIC Housing Finance and its competitors. For the Banks industry, the median Gross Margin % is 41.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Gross Margin % is 28.53%, which is near median its own 10-year median of 28.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹192.57, compared to a current price of ₹155.00 — trading 19.5% below its estimated fair value. The current Gross Margin % is 28.53%, which is near median its 10-year median of 28.73 and 30.4% below the Banks industry median of 41.02. GIC Housing Finance's overall GF Score™ is 57/100 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 GIC Housing Finance (BOM:511676), the current Gross Margin % is 28.53% 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 GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹155.00 is trading 19.5% below its estimated GF Value™ of ₹192.57.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Gross Margin %: 28.53% (near median its 10-year median of 28.73)
GF Value™: ₹192.57 vs. price of ₹155.00 (19.5% below fair value)
Industry Position: 30.4% below the Banks median (#35 of 44)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
57GF Score
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