Gross Margin % is calculated as gross profit divided by its revenue. NPR Finance's Gross Profit for the
three
months ended in Mar. 2026 was ₹-1.20 Mil. NPR Finance's Revenue for the
three
months ended in Mar. 2026 was ₹9.18 Mil. Therefore, NPR Finance's Gross Margin % for the quarter that ended in Mar. 2026 was -13.03%.
Warning Sign:
NPR Finance Ltd gross margin has been in long-term decline. The average rate of decline per year is -15.3%.
The historical rank and industry rank for NPR Finance's Gross Margin % or its related term are showing as below:
BOM:530127'
s Gross Margin % Range Over the Past 10 Years
Min: 11.92 Med: 19.43 Max: 44.85
Current: 20.51
During the past 13 years, the highestGross Margin % of NPR Finance was 44.85%. The lowest was 11.92%. And the median was 19.43%.
BOM:530127's Gross Margin % is ranked worse than 82.12% of 386
companies
in the Credit Services industry
Industry Median: 50.97
vs BOM:530127: 20.51
NPR Finance had a gross margin of -13.03% for the quarter that ended in Mar. 2026 => No sustainable competitive advantage
The 5-Year average Growth Rate of Gross Margin for NPR Finance was -15.30% per year.
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
NPR Finance had a gross margin of -13.03% for the quarter that ended in Mar. 2026 => No sustainable 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.
NPR Finance Gross Margin % Related Terms
NPR Finance Gross Margin % Historical Data
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The historical data trend for NPR 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:530127 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, NPR 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.
NPR Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NPR Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where NPR 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.
NPR Finance (BOM:530127) has a Gross Margin % of -13.03% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on NPR Finance and its competitors. Over the past decade, NPR Finance's Gross Margin % has ranged from 11.92 to 44.85. According to the industry distribution chart, NPR Finance ranks #317 out of 386 companies in the Credit Services industry, placing it in the top 82.1%.
Is NPR Finance's Gross Margin % too high?
NPR Finance's current Gross Margin % is -13.03%. Over the past 10 years, this metric has ranged from a low of 11.92 to a high of 44.85. Based on the distribution chart, NPR Finance ranks #317 out of 386 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, NPR Finance has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NPR Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, NPR Finance ranks #317 out of 386 companies for Gross Margin %. This places NPR Finance in the lower half of its industry. The industry median Gross Margin % is 50.97. Historically, NPR Finance's own Gross Margin % has ranged from 11.92 to 44.85 over the past decade. 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 50.97, 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. 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 NPR Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 50.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NPR Finance's current Gross Margin % is -13.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NPR Finance stock overvalued right now?
Based on GuruFocus' analysis, NPR Finance (BOM:530127) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹15.35, compared to a current price of ₹20.74 — trading 35.1% above its estimated fair value. The current Gross Margin % is -13.03%. NPR Finance's overall GF Score™ is 55/100 with 3 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 NPR Finance (BOM:530127), the current Gross Margin % is -13.03% 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 NPR Finance (BOM:530127) Overvalued in 2026?
Based on GuruFocus' analysis, NPR Finance stock appears to be overvalued.
The current stock price of ₹20.74 is trading 35.1% above its estimated GF Value™ of ₹15.35.
GuruFocus considers NPR Finance to be Significantly Overvalued.
Key valuation signals for BOM:530127:
Gross Margin %: -13.03%
GF Value™: ₹15.35 vs. price of ₹20.74 (35.1% above fair value)
No single metric tells the full story. See the BOM:530127 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NPR Finance Ltd is engaged in financing activities in India. It operates in two segments: Financing Operations, and Real Estate. Its financial activities include granting Group loans under Joint Liability, Granting loans against Hypothecation of vehicles, unsecured personal loans, Inter Corporate Deposits, Trading, and investment in Shares & Securities. and the majority of its revenue is generated from financing operations.
55GF Score
Get the complete analysis for BOM:530127
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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