Shalibhadra FinanceBOM:511754 -0.29%62 Gross Margin % is 73.56% as of Mar. 2026, which is 1% below its 10-year median of 74.15. GuruFocus rates BOM:511754 with a GF Score™ of 62/100 and a GF Value™ of ₹144.26 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Shalibhadra Finance ranks better than 78.55% 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
Shalibhadra Finance had a gross margin of 73.56% 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.
Shalibhadra Finance Gross Margin % Related Terms
Shalibhadra Finance Gross Margin % Historical Data
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The historical data trend for Shalibhadra 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:511754 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Shalibhadra 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.
Shalibhadra Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Shalibhadra Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Shalibhadra 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.
Shalibhadra Finance (BOM:511754) has a Gross Margin % of 73.56% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Shalibhadra Finance and its competitors. This is near median its historical median of 74.15. Over the past decade, Shalibhadra Finance's Gross Margin % has ranged from 52.17 to 80.93. According to the industry distribution chart, Shalibhadra Finance ranks #83 out of 387 companies in the Credit Services industry, placing it in the top 21.4%.
Is Shalibhadra Finance's Gross Margin % too high?
Shalibhadra Finance's current Gross Margin % of 73.56% is near median its 10-year median of 74.15. Over the past 10 years, this metric has ranged from a low of 52.17 to a high of 80.93. The Credit Services industry median Gross Margin % is 51.88. Shalibhadra Finance's value of 73.56% is 41.8% above this industry median. Based on the distribution chart, Shalibhadra Finance ranks #83 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Shalibhadra Finance has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Shalibhadra Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Shalibhadra Finance ranks #83 out of 387 companies for Gross Margin %. This places Shalibhadra Finance in the top 21% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. Shalibhadra Finance's value of 73.56% is 41.8% above this benchmark. Historically, Shalibhadra Finance's own Gross Margin % has ranged from 52.17 to 80.93 over the past decade. While the company's 10-year median is 74.15 vs. the industry median of 51.88, Shalibhadra 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 51.88, 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. Shalibhadra Finance's current Gross Margin % of 73.56% is 41.8% 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 Shalibhadra Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shalibhadra Finance's current Gross Margin % is 73.56%, which is near median its own 10-year median of 74.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shalibhadra Finance stock overvalued right now?
Based on GuruFocus' analysis, Shalibhadra Finance (BOM:511754) is currently considered Possible Value Trap. The stock's GF Value™ is ₹144.26, compared to a current price of ₹79.78 — trading 44.7% below its estimated fair value. The current Gross Margin % is 73.56%, which is near median its 10-year median of 74.15 and 41.8% above the Credit Services industry median of 51.88. Shalibhadra Finance's overall GF Score™ is 62/100 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 Shalibhadra Finance (BOM:511754), the current Gross Margin % is 73.56% 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 Shalibhadra Finance (BOM:511754) Overvalued in 2026?
Based on GuruFocus' analysis, Shalibhadra Finance stock appears to be undervalued.
The current stock price of ₹79.78 is trading 44.7% below its estimated GF Value™ of ₹144.26.
GuruFocus considers Shalibhadra Finance to be Possible Value Trap.
Key valuation signals for BOM:511754:
Gross Margin %: 73.56% (near median its 10-year median of 74.15)
GF Value™: ₹144.26 vs. price of ₹79.78 (44.7% below fair value)
Industry Position: 41.8% above the Credit Services median (#83 of 387)
No single metric tells the full story. See the BOM:511754 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shalibhadra Finance Ltd is an Indian asset finance company engaged in financing and investment activities. The firm is focused on rural, semi-urban and other underbanked geographies in Gujarat, Maharashtra and Madhya Pradesh, India. It offers a wide range of customized retail products such as financing two-wheelers, auto rickshaw, cars, and consumer durables.
62GF Score
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