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United CreditBOM:531091 -3.63%69 Gross Margin % is 78.71% as of Mar. 2026, which is 0% below its 10-year median of 78.91. GuruFocus rates BOM:531091 with a GF Score™ of 69/100 and a GF Value™ of ₹27.49 (Fairly Valued). The stock has 5 warning signs investors should review. Among 389 Credit Services companies, United Credit ranks better than 76.61% on this metric.
The historical rank and industry rank for United Credit's Gross Margin % or its related term are showing as below:
BOM:531091'
s Gross Margin % Range Over the Past 10 Years
Min: 75.07 Med: 78.91 Max: 3123.81
Current: 75.07
During the past 13 years, the highestGross Margin % of United Credit was 3123.81%. The lowest was 75.07%. And the median was 78.91%.
BOM:531091's Gross Margin % is ranked better than 76.61% of 389
companies
in the Credit Services industry
Industry Median: 51.81
vs BOM:531091: 75.07
United Credit had a gross margin of 78.71% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for United Credit was -0.80% per year.
United Credit (BOM:531091) 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
United Credit had a gross margin of 78.71% 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.
United Credit Gross Margin % Related Terms
United Credit Gross Margin % Historical Data
* Premium members only.
The historical data trend for United Credit'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:531091 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, United Credit'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.
United Credit Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's Gross Margin % distribution charts can be found below:
* The bar in red indicates where United Credit'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.
United Credit (BOM:531091) has a Gross Margin % of 78.71% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on United Credit and its competitors. This is near median its historical median of 78.91. Over the past decade, United Credit's Gross Margin % has ranged from 75.07 to 3,123.81. According to the industry distribution chart, United Credit ranks #91 out of 389 companies in the Credit Services industry, placing it in the top 23.4%.
Is United Credit's Gross Margin % too high?
United Credit's current Gross Margin % of 78.71% is near median its 10-year median of 78.91. Over the past 10 years, this metric has ranged from a low of 75.07 to a high of 3,123.81. The Credit Services industry median Gross Margin % is 51.81. United Credit's value of 78.71% is 51.9% above this industry median. Based on the distribution chart, United Credit ranks #91 out of 389 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, United Credit has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Credit's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #91 out of 389 companies for Gross Margin %. This places United Credit in the top 23% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.81. United Credit's value of 78.71% is 51.9% above this benchmark. Historically, United Credit's own Gross Margin % has ranged from 75.07 to 3,123.81 over the past decade. While the company's 10-year median is 78.91 vs. the industry median of 51.81, United Credit 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. United Credit's current Gross Margin % of 78.71% is 51.9% 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 United Credit 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. United Credit's current Gross Margin % is 78.71%, which is near median its own 10-year median of 78.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Credit stock overvalued right now?
Based on GuruFocus' analysis, United Credit (BOM:531091) is currently considered Fairly Valued. The stock's GF Value™ is ₹27.49, compared to a current price of ₹26.01 — trading 5.4% below its estimated fair value. The current Gross Margin % is 78.71%, which is near median its 10-year median of 78.91 and 51.9% above the Credit Services industry median of 51.81. United Credit's overall GF Score™ is 69/100 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 United Credit (BOM:531091), the current Gross Margin % is 78.71% 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 United Credit (BOM:531091) Overvalued in 2026?
Based on GuruFocus' analysis, United Credit stock appears to be undervalued.
The current stock price of ₹26.01 is trading 5.4% below its estimated GF Value™ of ₹27.49.
GuruFocus considers United Credit to be Fairly Valued.
Key valuation signals for BOM:531091:
Gross Margin %: 78.71% (near median its 10-year median of 78.91)
GF Value™: ₹27.49 vs. price of ₹26.01 (5.4% below fair value)
Industry Position: 51.9% above the Credit Services median (#91 of 389)
No single metric tells the full story. See the BOM:531091 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Credit Ltd is an Indian (NBFC) non-banking financial company. The business is engaged in the lease, hire purchase, consumer financing, investment, and capital market operations. The company's operating segments include: Financing activity and Renting activity. The company derives substantial revenue from the Financing Activity.
69GF Score
Get the complete analysis for BOM:531091
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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