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Paisalo DigitalBOM:532900 +1.21%73 Gross Margin % is 58.64% as of Mar. 2026, which is 12% above its 10-year median of 52.23. GuruFocus rates BOM:532900 with a GF Score™ of 73/100 and a GF Value™ of ₹49.59 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 390 Credit Services companies, Paisalo Digital ranks better than 51.28% on this metric.
The historical rank and industry rank for Paisalo Digital's Gross Margin % or its related term are showing as below:
BOM:532900'
s Gross Margin % Range Over the Past 10 Years
Min: 49.25 Med: 52.23 Max: 57.95
Current: 52.24
During the past 13 years, the highestGross Margin % of Paisalo Digital was 57.95%. The lowest was 49.25%. And the median was 52.23%.
BOM:532900's Gross Margin % is ranked better than 51.28% of 390
companies
in the Credit Services industry
Industry Median: 51.415
vs BOM:532900: 52.24
Paisalo Digital had a gross margin of 58.64% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Paisalo Digital was 0.00% per year.
Paisalo Digital (BOM:532900) 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
Paisalo Digital had a gross margin of 58.64% 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.
Paisalo Digital Gross Margin % Related Terms
Paisalo Digital Gross Margin % Historical Data
* Premium members only.
The historical data trend for Paisalo Digital'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:532900 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Paisalo Digital'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.
Paisalo Digital Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Paisalo Digital'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.
Paisalo Digital (BOM:532900) has a Gross Margin % of 58.64% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Paisalo Digital and its competitors. This is 12% above median its historical median of 52.23. Over the past decade, Paisalo Digital's Gross Margin % has ranged from 49.25 to 57.95. According to the industry distribution chart, Paisalo Digital ranks #190 out of 390 companies in the Credit Services industry, placing it in the top 48.7%.
Is Paisalo Digital's Gross Margin % too high?
Paisalo Digital's current Gross Margin % of 58.64% is 12% above median its 10-year median of 52.23. Over the past 10 years, this metric has ranged from a low of 49.25 to a high of 57.95. The Credit Services industry median Gross Margin % is 51.42. Paisalo Digital's value of 58.64% is 14.1% above this industry median. Based on the distribution chart, Paisalo Digital ranks #190 out of 390 companies in the Credit Services industry, which is above the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #190 out of 390 companies for Gross Margin %. This puts Paisalo Digital in the upper half of its industry. The industry median Gross Margin % is 51.42. Paisalo Digital's value of 58.64% is 14.1% above this benchmark. Historically, Paisalo Digital's own Gross Margin % has ranged from 49.25 to 57.95 over the past decade. While the company's 10-year median is 52.23 vs. the industry median of 51.42, Paisalo Digital 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 51.42, based on 390 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. Paisalo Digital's current Gross Margin % of 58.64% is 14.1% 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 Paisalo Digital and its competitors. For the Credit Services industry, the median Gross Margin % is 51.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current Gross Margin % is 58.64%, which is 12% above median its own 10-year median of 52.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Based on GuruFocus' analysis, Paisalo Digital (BOM:532900) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹49.59, compared to a current price of ₹71.11 — trading 43.4% above its estimated fair value. The current Gross Margin % is 58.64%, which is 12% above median its 10-year median of 52.23 and 14.1% above the Credit Services industry median of 51.42. Paisalo Digital's overall GF Score™ is 73/100 with 11 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 Paisalo Digital (BOM:532900), the current Gross Margin % is 58.64% 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 Paisalo Digital (BOM:532900) Overvalued in 2026?
Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued.
The current stock price of ₹71.11 is trading 43.4% above its estimated GF Value™ of ₹49.59.
GuruFocus considers Paisalo Digital to be Significantly Overvalued.
Key valuation signals for BOM:532900:
Gross Margin %: 58.64% (12% above median its 10-year median of 52.23)
GF Value™: ₹49.59 vs. price of ₹71.11 (43.4% above fair value)
Industry Position: 14.1% above the Credit Services median (#190 of 390)
No single metric tells the full story. See the BOM:532900 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
73GF Score
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