Dhruva Capital ServicesBOM:531237 -1.97%68 Gross Margin % is 21.54% as of Mar. 2026, which is 75% below its 10-year median of 86.57. GuruFocus rates BOM:531237 with a GF Score™ of 68/100 and a GF Value™ of ₹346.68 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 388 Credit Services companies, Dhruva Capital Services ranks worse than 50.26% on this metric.
BOM:531237's Gross Margin % is ranked worse than 50.26% of 388
companies
in the Credit Services industry
Industry Median: 51.845
vs BOM:531237: 51.81
Dhruva Capital Services had a gross margin of 21.54% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for Dhruva Capital Services was -10.30% per year.
Dhruva Capital Services (BOM:531237) 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
Dhruva Capital Services had a gross margin of 21.54% 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.
Dhruva Capital Services Gross Margin % Related Terms
Dhruva Capital Services Gross Margin % Historical Data
* 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:531237 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Dhruva Capital Services'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.
Dhruva Capital Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhruva Capital Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Dhruva Capital Services'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.
Dhruva Capital Services (BOM:531237) has a Gross Margin % of 21.54% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Dhruva Capital Services and its competitors. This is 75% below median its historical median of 86.57. Over the past decade, Dhruva Capital Services' Gross Margin % has ranged from 42.01 to 96.97. According to the industry distribution chart, Dhruva Capital Services ranks #195 out of 388 companies in the Credit Services industry, placing it in the top 50.3%.
Is Dhruva Capital Services' Gross Margin % too high?
Dhruva Capital Services' current Gross Margin % of 21.54% is 75% below median its 10-year median of 86.57. Over the past 10 years, this metric has ranged from a low of 42.01 to a high of 96.97. The Credit Services industry median Gross Margin % is 51.85. Dhruva Capital Services' value of 21.54% is 58.5% below this industry median. Based on the distribution chart, Dhruva Capital Services ranks #195 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dhruva Capital Services has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dhruva Capital Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Dhruva Capital Services ranks #195 out of 388 companies for Gross Margin %. This places Dhruva Capital Services in the lower half of its industry. The industry median Gross Margin % is 51.85. Dhruva Capital Services' value of 21.54% is 58.5% below this benchmark. Historically, Dhruva Capital Services' own Gross Margin % has ranged from 42.01 to 96.97 over the past decade. While the company's 10-year median is 86.57 vs. the industry median of 51.85, Dhruva Capital Services 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 Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 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. Dhruva Capital Services's current Gross Margin % of 21.54% is 58.5% 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 Dhruva Capital Services 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. Dhruva Capital Services's current Gross Margin % is 21.54%, which is 75% below median its own 10-year median of 86.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhruva Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Dhruva Capital Services (BOM:531237) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹346.68, compared to a current price of ₹425.00 — trading 22.6% above its estimated fair value. The current Gross Margin % is 21.54%, which is 75% below median its 10-year median of 86.57 and 58.5% below the Credit Services industry median of 51.85. Dhruva Capital Services' overall GF Score™ is 68/100 with 10 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 Dhruva Capital Services (BOM:531237), the current Gross Margin % is 21.54% 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 Dhruva Capital Services (BOM:531237) Overvalued in 2026?
Based on GuruFocus' analysis, Dhruva Capital Services stock appears to be overvalued.
The current stock price of ₹425.00 is trading 22.6% above its estimated GF Value™ of ₹346.68.
GuruFocus considers Dhruva Capital Services to be Modestly Overvalued.
Key valuation signals for BOM:531237:
Gross Margin %: 21.54% (75% below median its 10-year median of 86.57)
GF Value™: ₹346.68 vs. price of ₹425.00 (22.6% above fair value)
Industry Position: 58.5% below the Credit Services median (#195 of 388)
No single metric tells the full story. See the BOM:531237 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhruva Capital Services Ltd is an Indian Non-Banking Financial Company (NBFC) established in 1994 and headquartered in Udaipur, Rajasthan. The company is registered with the Reserve Bank of India and focuses on investment and financing activities. Its services include business and personal financing, loan against property, commercial vehicle loans, invoice discounting, construction finance, and lease rental discounting. Dhruva Capital serves both individual clients and business owners by offering tailored financial solutions to support business ventures and personal financial needs. Revenue is prominently generated through interest income and fees from its financing operations.
68GF Score
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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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