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India FinsecBOM:535667 -7.18%67 Gross Margin % is 39.49% as of Jun. 2026, which is 15% below its 10-year median of 46.50. GuruFocus rates BOM:535667 with a GF Score™ of 67/100. The stock has 6 warning signs investors should review. Among 388 Credit Services companies, India Finsec ranks worse than 60.82% on this metric.
India Finsec (BOM:535667) 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
India Finsec had a gross margin of 39.49% for the quarter that ended in Jun. 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.
India Finsec Gross Margin % Related Terms
India Finsec Gross Margin % Historical Data
* Premium members only.
The historical data trend for India Finsec'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:535667 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, India Finsec'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.
India Finsec Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, India Finsec's Gross Margin % distribution charts can be found below:
* The bar in red indicates where India Finsec'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.
India Finsec (BOM:535667) has a Gross Margin % of 39.49% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on India Finsec and its competitors. This is 15% below median its historical median of 46.50. Over the past decade, India Finsec's Gross Margin % has ranged from 34.43 to 64.39. According to the industry distribution chart, India Finsec ranks #236 out of 388 companies in the Credit Services industry, placing it in the top 60.8%.
Is India Finsec's Gross Margin % too high?
India Finsec's current Gross Margin % of 39.49% is 15% below median its 10-year median of 46.50. Over the past 10 years, this metric has ranged from a low of 34.43 to a high of 64.39. The Credit Services industry median Gross Margin % is 50.88. India Finsec's value of 39.49% is 22.4% below this industry median. Based on the distribution chart, India Finsec ranks #236 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, India Finsec has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does India Finsec's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, India Finsec ranks #236 out of 388 companies for Gross Margin %. This places India Finsec in the lower half of its industry. The industry median Gross Margin % is 50.88. India Finsec's value of 39.49% is 22.4% below this benchmark. Historically, India Finsec's own Gross Margin % has ranged from 34.43 to 64.39 over the past decade. While the company's 10-year median is 46.50 vs. the industry median of 50.88, India Finsec 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 50.88, 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. India Finsec's current Gross Margin % of 39.49% is 22.4% 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 India Finsec and its competitors. For the Credit Services industry, the median Gross Margin % is 50.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Finsec's current Gross Margin % is 39.49%, which is 15% below median its own 10-year median of 46.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Finsec stock overvalued right now?
India Finsec (BOM:535667) has a current Gross Margin % of 39.49%. The current Gross Margin % is 39.49%, which is 15% below median its 10-year median of 46.50 and 22.4% below the Credit Services industry median of 50.88. India Finsec's overall GF Score™ is 67/100 with 6 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 India Finsec (BOM:535667), the current Gross Margin % is 39.49% as of Jun. 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.
India Finsec Ltd operates as a non-banking financial company. It is engaged in the business of financing, inter corporate deposits, advancing short-term loans, long-term loans, granting credits to individuals and companies, etc. The company also deals in stocks, shares, and securities. It is engaged in a single segment, i.e., finance/lending.
67GF Score
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