Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Available FinanceBOM:531310 +1.20%72 Gross Margin % is 74.18% as of Mar. 2026, which is 8% below its 10-year median of 80.56. GuruFocus rates BOM:531310 with a GF Score™ of 72/100 and a GF Value™ of ₹200.97 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Available Finance ranks better than 85.27% on this metric.
Available Finance Ltd gross margin has been in long-term decline. The average rate of decline per year is -3%.
The historical rank and industry rank for Available Finance's Gross Margin % or its related term are showing as below:
BOM:531310'
s Gross Margin % Range Over the Past 10 Years
Min: 45.75 Med: 80.56 Max: 97.2
Current: 80.07
During the past 13 years, the highestGross Margin % of Available Finance was 97.20%. The lowest was 45.75%. And the median was 80.56%.
BOM:531310's Gross Margin % is ranked better than 85.27% of 387
companies
in the Credit Services industry
Industry Median: 51.81
vs BOM:531310: 80.07
Available Finance had a gross margin of 74.18% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Available Finance was -3.00% per year.
Available Finance (BOM:531310) 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
Available Finance had a gross margin of 74.18% 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.
Available Finance Gross Margin % Related Terms
Available Finance Gross Margin % Historical Data
* Premium members only.
The historical data trend for Available 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:531310 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Available 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.
Available Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Available Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Available 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.
Available Finance (BOM:531310) has a Gross Margin % of 74.18% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Available Finance and its competitors. This is near median its historical median of 80.56. Over the past decade, Available Finance's Gross Margin % has ranged from 45.75 to 97.20. According to the industry distribution chart, Available Finance ranks #57 out of 387 companies in the Credit Services industry, placing it in the top 14.7%.
Is Available Finance's Gross Margin % too high?
Available Finance's current Gross Margin % of 74.18% is near median its 10-year median of 80.56. Over the past 10 years, this metric has ranged from a low of 45.75 to a high of 97.20. The Credit Services industry median Gross Margin % is 51.81. Available Finance's value of 74.18% is 43.2% above this industry median. Based on the distribution chart, Available Finance ranks #57 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Available Finance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Available Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Available Finance ranks #57 out of 387 companies for Gross Margin %. This places Available Finance in the top 15% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.81. Available Finance's value of 74.18% is 43.2% above this benchmark. Historically, Available Finance's own Gross Margin % has ranged from 45.75 to 97.20 over the past decade. While the company's 10-year median is 80.56 vs. the industry median of 51.81, Available 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 387 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. Available Finance's current Gross Margin % of 74.18% is 43.2% 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 Available 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. Available Finance's current Gross Margin % is 74.18%, which is near median its own 10-year median of 80.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Available Finance stock overvalued right now?
Based on GuruFocus' analysis, Available Finance (BOM:531310) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹200.97, compared to a current price of ₹152.20 — trading 24.3% below its estimated fair value. The current Gross Margin % is 74.18%, which is near median its 10-year median of 80.56 and 43.2% above the Credit Services industry median of 51.81. Available Finance's overall GF Score™ is 72/100 with 4 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 Available Finance (BOM:531310), the current Gross Margin % is 74.18% 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 Available Finance (BOM:531310) Overvalued in 2026?
Based on GuruFocus' analysis, Available Finance stock appears to be undervalued.
The current stock price of ₹152.20 is trading 24.3% below its estimated GF Value™ of ₹200.97.
GuruFocus considers Available Finance to be Modestly Undervalued.
Key valuation signals for BOM:531310:
Gross Margin %: 74.18% (near median its 10-year median of 80.56)
GF Value™: ₹200.97 vs. price of ₹152.20 (24.3% below fair value)
Industry Position: 43.2% above the Credit Services median (#57 of 387)
No single metric tells the full story. See the BOM:531310 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Available Finance Ltd operates as a non-banking financial company focused on lending and investment services. The company offers finance for acquiring, holding, selling, and buying shares, stocks, debentures, bonds, mortgages, and other securities. While the company was registered under the Reserve Bank of India as a non-banking finance company, it has since transitioned to functioning as an unregistered core investment company as per RBI guidelines. Its revenue comes from lending, investment activities, and leasing services. The company serves its clients mainly through its presence in Indore and across India.
72GF Score
Get the complete analysis for BOM:531310
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:531310 has been successfully added to your 
