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Haryana CapfinBOM:532855 -2.07%86 Gross Margin % is 12.82% as of Mar. 2026, which is 85% below its 10-year median of 83.39. GuruFocus rates BOM:532855 with a GF Score™ of 86/100 and a GF Value™ of ₹192.73 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 388 Credit Services companies, Haryana Capfin ranks better than 95.36% 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
Haryana Capfin had a gross margin of 12.82% for the quarter that ended in Mar. 2026 => No sustainable 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.
Haryana Capfin Gross Margin % Related Terms
Haryana Capfin Gross Margin % Historical Data
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The historical data trend for Haryana Capfin'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:532855 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Haryana Capfin'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.
Haryana Capfin Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Haryana Capfin's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Haryana Capfin'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.
Haryana Capfin (BOM:532855) has a Gross Margin % of 12.82% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Haryana Capfin and its competitors. This is 85% below median its historical median of 83.39. Over the past decade, Haryana Capfin's Gross Margin % has ranged from 73.04 to 93.15. According to the industry distribution chart, Haryana Capfin ranks #18 out of 388 companies in the Credit Services industry, placing it in the top 4.6%.
Is Haryana Capfin's Gross Margin % too high?
Haryana Capfin's current Gross Margin % of 12.82% is 85% below median its 10-year median of 83.39. Over the past 10 years, this metric has ranged from a low of 73.04 to a high of 93.15. The Credit Services industry median Gross Margin % is 51.43. Haryana Capfin's value of 12.82% is 75.1% below this industry median. Based on the distribution chart, Haryana Capfin ranks #18 out of 388 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Haryana Capfin has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Haryana Capfin's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Haryana Capfin ranks #18 out of 388 companies for Gross Margin %. This places Haryana Capfin in the top 5% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.43. Haryana Capfin's value of 12.82% is 75.1% below this benchmark. Historically, Haryana Capfin's own Gross Margin % has ranged from 73.04 to 93.15 over the past decade. While the company's 10-year median is 83.39 vs. the industry median of 51.43, Haryana Capfin 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 51.43, 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. Haryana Capfin's current Gross Margin % of 12.82% is 75.1% 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 Haryana Capfin and its competitors. For the Credit Services industry, the median Gross Margin % is 51.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Haryana Capfin's current Gross Margin % is 12.82%, which is 85% below median its own 10-year median of 83.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Haryana Capfin stock overvalued right now?
Based on GuruFocus' analysis, Haryana Capfin (BOM:532855) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹192.73, compared to a current price of ₹137.00 — trading 28.9% below its estimated fair value. The current Gross Margin % is 12.82%, which is 85% below median its 10-year median of 83.39 and 75.1% below the Credit Services industry median of 51.43. Haryana Capfin's overall GF Score™ is 86/100 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 Haryana Capfin (BOM:532855), the current Gross Margin % is 12.82% 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 Haryana Capfin (BOM:532855) Overvalued in 2026?
Based on GuruFocus' analysis, Haryana Capfin stock appears to be undervalued.
The current stock price of ₹137.00 is trading 28.9% below its estimated GF Value™ of ₹192.73.
GuruFocus considers Haryana Capfin to be Modestly Undervalued.
Key valuation signals for BOM:532855:
Gross Margin %: 12.82% (85% below median its 10-year median of 83.39)
GF Value™: ₹192.73 vs. price of ₹137.00 (28.9% below fair value)
Industry Position: 75.1% below the Credit Services median (#18 of 388)
No single metric tells the full story. See the BOM:532855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Haryana Capfin Ltd is an India-based non-banking finance company engaged in financing and investment activities. Its core business includes investment in shares and securities and financing. The company derives key revenue in the form of interest and dividend income.
86GF Score
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