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Ceejay FinanceBOM:530789 76 Gross Margin % is 70.97% as of Mar. 2026, which is 3% below its 10-year median of 73.00. GuruFocus rates BOM:530789 with a GF Score™ of 76/100 and a GF Value™ of ₹211.33 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 389 Credit Services companies, Ceejay Finance ranks better than 70.69% 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
Ceejay Finance had a gross margin of 70.97% 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.
Ceejay Finance Gross Margin % Related Terms
Ceejay Finance Gross Margin % Historical Data
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The historical data trend for Ceejay 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:530789 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Ceejay 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.
Ceejay Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ceejay Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Ceejay 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.
Ceejay Finance (BOM:530789) has a Gross Margin % of 70.97% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Ceejay Finance and its competitors. This is near median its historical median of 73.00. Over the past decade, Ceejay Finance's Gross Margin % has ranged from 69.35 to 75.59. According to the industry distribution chart, Ceejay Finance ranks #114 out of 389 companies in the Credit Services industry, placing it in the top 29.3%.
Is Ceejay Finance's Gross Margin % too high?
Ceejay Finance's current Gross Margin % of 70.97% is near median its 10-year median of 73.00. Over the past 10 years, this metric has ranged from a low of 69.35 to a high of 75.59. The Credit Services industry median Gross Margin % is 51.81. Ceejay Finance's value of 70.97% is 37% above this industry median. Based on the distribution chart, Ceejay Finance ranks #114 out of 389 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ceejay Finance has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ceejay Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Ceejay Finance ranks #114 out of 389 companies for Gross Margin %. This puts Ceejay Finance in the upper half of its industry. The industry median Gross Margin % is 51.81. Ceejay Finance's value of 70.97% is 37% above this benchmark. Historically, Ceejay Finance's own Gross Margin % has ranged from 69.35 to 75.59 over the past decade. While the company's 10-year median is 73.00 vs. the industry median of 51.81, Ceejay 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 51.81, based on 389 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. Ceejay Finance's current Gross Margin % of 70.97% is 37% 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 Ceejay Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ceejay Finance's current Gross Margin % is 70.97%, which is near median its own 10-year median of 73.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ceejay Finance stock overvalued right now?
Based on GuruFocus' analysis, Ceejay Finance (BOM:530789) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹211.33, compared to a current price of ₹168.45 — trading 20.3% below its estimated fair value. The current Gross Margin % is 70.97%, which is near median its 10-year median of 73.00 and 37% above the Credit Services industry median of 51.81. Ceejay Finance's overall GF Score™ is 76/100 with 5 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 Ceejay Finance (BOM:530789), the current Gross Margin % is 70.97% 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 Ceejay Finance (BOM:530789) Overvalued in 2026?
Based on GuruFocus' analysis, Ceejay Finance stock appears to be undervalued.
The current stock price of ₹168.45 is trading 20.3% below its estimated GF Value™ of ₹211.33.
GuruFocus considers Ceejay Finance to be Modestly Undervalued.
Key valuation signals for BOM:530789:
Gross Margin %: 70.97% (near median its 10-year median of 73.00)
GF Value™: ₹211.33 vs. price of ₹168.45 (20.3% below fair value)
Industry Position: 37% above the Credit Services median (#114 of 389)
No single metric tells the full story. See the BOM:530789 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ceejay Finance Ltd is a Non- Banking Financial Company operating in India. The company provides customized and flexible loans for new and used two-wheeler vehicles and four-wheeler loans to individuals and small businesses. It also offers Commercial loans, Personal loans, Loans against property, Microfinance loans, SME business loans, and Insurance services. The company's share of revenue comes from the interest amount generated on two-wheeler financing in rural areas. It is engaged in one business segment which is Finance service.
76GF Score
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