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Dhansafal FinserveBOM:512048 +1.67%57 Gross Margin % is 37.22% as of Mar. 2026, which is 41% below its 10-year median of 63.18. GuruFocus rates BOM:512048 with a GF Score™ of 57/100 and a GF Value™ of ₹10.92 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 390 Credit Services companies, Dhansafal Finserve ranks worse than 68.72% 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
Dhansafal Finserve had a gross margin of 37.22% 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.
Dhansafal Finserve Gross Margin % Related Terms
Dhansafal Finserve Gross Margin % Historical Data
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The historical data trend for Dhansafal Finserve'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:512048 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Dhansafal Finserve'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.
Dhansafal Finserve Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhansafal Finserve's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Dhansafal Finserve'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.
Dhansafal Finserve (BOM:512048) has a Gross Margin % of 37.22% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Dhansafal Finserve and its competitors. This is 41% below median its historical median of 63.18. Over the past decade, Dhansafal Finserve's Gross Margin % has ranged from 8.84 to 91.74. According to the industry distribution chart, Dhansafal Finserve ranks #268 out of 390 companies in the Credit Services industry, placing it in the top 68.7%.
Is Dhansafal Finserve's Gross Margin % too high?
Dhansafal Finserve's current Gross Margin % of 37.22% is 41% below median its 10-year median of 63.18. Over the past 10 years, this metric has ranged from a low of 8.84 to a high of 91.74. The Credit Services industry median Gross Margin % is 51.73. Dhansafal Finserve's value of 37.22% is 28% below this industry median. Based on the distribution chart, Dhansafal Finserve ranks #268 out of 390 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dhansafal Finserve has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhansafal Finserve's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Dhansafal Finserve ranks #268 out of 390 companies for Gross Margin %. This places Dhansafal Finserve in the lower half of its industry. The industry median Gross Margin % is 51.73. Dhansafal Finserve's value of 37.22% is 28% below this benchmark. Historically, Dhansafal Finserve's own Gross Margin % has ranged from 8.84 to 91.74 over the past decade. While the company's 10-year median is 63.18 vs. the industry median of 51.73, Dhansafal Finserve 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 51.73, based on 390 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. Dhansafal Finserve's current Gross Margin % of 37.22% is 28% 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 Dhansafal Finserve and its competitors. For the Credit Services industry, the median Gross Margin % is 51.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhansafal Finserve's current Gross Margin % is 37.22%, which is 41% below median its own 10-year median of 63.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhansafal Finserve stock overvalued right now?
Based on GuruFocus' analysis, Dhansafal Finserve (BOM:512048) is currently considered Possible Value Trap. The stock's GF Value™ is ₹10.92, compared to a current price of ₹2.43 — trading 77.7% below its estimated fair value. The current Gross Margin % is 37.22%, which is 41% below median its 10-year median of 63.18 and 28% below the Credit Services industry median of 51.73. Dhansafal Finserve'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 Dhansafal Finserve (BOM:512048), the current Gross Margin % is 37.22% 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 Dhansafal Finserve (BOM:512048) Overvalued in 2026?
Based on GuruFocus' analysis, Dhansafal Finserve stock appears to be undervalued.
The current stock price of ₹2.43 is trading 77.7% below its estimated GF Value™ of ₹10.92.
GuruFocus considers Dhansafal Finserve to be Possible Value Trap.
Key valuation signals for BOM:512048:
Gross Margin %: 37.22% (41% below median its 10-year median of 63.18)
GF Value™: ₹10.92 vs. price of ₹2.43 (77.7% below fair value)
Industry Position: 28% below the Credit Services median (#268 of 390)
No single metric tells the full story. See the BOM:512048 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhansafal Finserve Ltd operates as a non-banking financial company focused on providing retail and mortgage-based financial services in India. The company offers various loan products including loans against property, personal loans, auto and home loans, trade financing, and loans against shares and securities. It aims to simplify credit access, particularly in semi-urban and underserved markets, through flexible financing solutions. Revenue is generated through interest income on loans and lending services targeted at commercial, industrial, and financial clients.
57GF Score
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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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