Anupam FinservBOM:530109 -2.04%72 Gross Margin % is 57.05% as of Mar. 2026, which is 14% below its 10-year median of 66.03. GuruFocus rates BOM:530109 with a GF Score™ of 72/100 and a GF Value™ of ₹1.86 (Fairly Valued). The stock has 4 warning signs investors should review. Among 386 Credit Services companies, Anupam Finserv ranks better than 66.58% 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
Anupam Finserv had a gross margin of 57.05% 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.
Anupam Finserv Gross Margin % Related Terms
Anupam Finserv Gross Margin % Historical Data
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The historical data trend for Anupam Finserv'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:530109 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Anupam Finserv'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.
Anupam Finserv Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Anupam Finserv's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Anupam Finserv'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.
Anupam Finserv (BOM:530109) has a Gross Margin % of 57.05% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Anupam Finserv and its competitors. This is 14% below median its historical median of 66.03. Over the past decade, Anupam Finserv's Gross Margin % has ranged from 24.88 to 81.52. According to the industry distribution chart, Anupam Finserv ranks #129 out of 386 companies in the Credit Services industry, placing it in the top 33.4%.
Is Anupam Finserv's Gross Margin % too high?
Anupam Finserv's current Gross Margin % of 57.05% is 14% below median its 10-year median of 66.03. Over the past 10 years, this metric has ranged from a low of 24.88 to a high of 81.52. The Credit Services industry median Gross Margin % is 51.85. Anupam Finserv's value of 57.05% is 10% above this industry median. Based on the distribution chart, Anupam Finserv ranks #129 out of 386 companies in the Credit Services industry, which is above the industry midpoint. Overall, Anupam Finserv has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Anupam Finserv's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Anupam Finserv ranks #129 out of 386 companies for Gross Margin %. This puts Anupam Finserv in the upper half of its industry. The industry median Gross Margin % is 51.85. Anupam Finserv's value of 57.05% is 10% above this benchmark. Historically, Anupam Finserv's own Gross Margin % has ranged from 24.88 to 81.52 over the past decade. While the company's 10-year median is 66.03 vs. the industry median of 51.85, Anupam Finserv 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 51.85, based on 386 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. Anupam Finserv's current Gross Margin % of 57.05% is 10% 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 Anupam Finserv and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Anupam Finserv's current Gross Margin % is 57.05%, which is 14% below median its own 10-year median of 66.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Anupam Finserv stock overvalued right now?
Based on GuruFocus' analysis, Anupam Finserv (BOM:530109) is currently considered Fairly Valued. The stock's GF Value™ is ₹1.86, compared to a current price of ₹1.92 — trading 3.2% above its estimated fair value. The current Gross Margin % is 57.05%, which is 14% below median its 10-year median of 66.03 and 10% above the Credit Services industry median of 51.85. Anupam Finserv's overall GF Score™ is 72/100 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 Anupam Finserv (BOM:530109), the current Gross Margin % is 57.05% 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 Anupam Finserv (BOM:530109) Overvalued in 2026?
Based on GuruFocus' analysis, Anupam Finserv stock appears to be overvalued.
The current stock price of ₹1.92 is trading 3.2% above its estimated GF Value™ of ₹1.86.
GuruFocus considers Anupam Finserv to be Fairly Valued.
Key valuation signals for BOM:530109:
Gross Margin %: 57.05% (14% below median its 10-year median of 66.03)
GF Value™: ₹1.86 vs. price of ₹1.92 (3.2% above fair value)
Industry Position: 10% above the Credit Services median (#129 of 386)
No single metric tells the full story. See the BOM:530109 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Anupam Finserv Ltd is a Non-Banking Finance Company engaged in providing finance and capital market services, including financial consultancy and investment advisory services. Its operating segments include Financing and Leasing. The company's products include Capital Market Finance, Corporate Finance, Mortgage Loans, and Personal Loans for Salaried and Professionals.
72GF Score
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