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India Home LoanBOM:530979 +1.63%59 Gross Margin % is 30.43% as of Mar. 2026, which is 18% above its 10-year median of 25.83. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 43 Banks companies, India Home Loan ranks worse than 69.77% on this metric.
The historical rank and industry rank for India Home Loan's Gross Margin % or its related term are showing as below:
BOM:530979'
s Gross Margin % Range Over the Past 10 Years
Min: -1.64 Med: 25.83 Max: 58.12
Current: 29.25
During the past 13 years, the highestGross Margin % of India Home Loan was 58.12%. The lowest was -1.64%. And the median was 25.83%.
BOM:530979's Gross Margin % is ranked worse than 69.77% of 43
companies
in the Banks industry
Industry Median: 40.26
vs BOM:530979: 29.25
India Home Loan had a gross margin of 30.43% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for India Home Loan was 0.00% per year.
India Home Loan (BOM:530979) Gross Margin % Explanation
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
India Home Loan had a gross margin of 30.43% 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.
India Home Loan Gross Margin % Related Terms
India Home Loan Gross Margin % Historical Data
* Premium members only.
The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Gross Margin % distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan (BOM:530979) has a Gross Margin % of 30.43% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on India Home Loan and its competitors. This is 18% above median its historical median of 25.83. According to the industry distribution chart, India Home Loan ranks #30 out of 43 companies in the Banks industry, placing it in the top 69.8%.
Is India Home Loan's Gross Margin % too high?
India Home Loan's current Gross Margin % of 30.43% is 18% above median its 10-year median of 25.83. The Banks industry median Gross Margin % is 40.26. India Home Loan's value of 30.43% is 24.4% below this industry median. Based on the distribution chart, India Home Loan ranks #30 out of 43 companies in the Banks industry, which is below the industry midpoint. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #30 out of 43 companies for Gross Margin %. This places India Home Loan in the lower half of its industry. The industry median Gross Margin % is 40.26. India Home Loan's value of 30.43% is 24.4% below this benchmark. While the company's 10-year median is 25.83 vs. the industry median of 40.26, India Home Loan 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 Banks company?
The median Gross Margin % among Banks companies is 40.26, based on 43 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. India Home Loan's current Gross Margin % of 30.43% is 24.4% 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 India Home Loan and its competitors. For the Banks industry, the median Gross Margin % is 40.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Gross Margin % is 30.43%, which is 18% above median its own 10-year median of 25.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current Gross Margin % is 30.43%, which is 18% above median its 10-year median of 25.83 and 24.4% below the Banks industry median of 40.26. India Home Loan's overall GF Score™ is 59/100 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 India Home Loan (BOM:530979), the current Gross Margin % is 30.43% 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Gross Margin %: 30.43% (18% above median its 10-year median of 25.83)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
Industry Position: 24.4% below the Banks median (#30 of 43)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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