Viji FinanceBOM:537820 +1.93%65 Gross Margin % is 93.35% as of Mar. 2026, which is 13% above its 10-year median of 82.96. GuruFocus rates BOM:537820 with a GF Score™ of 65/100 and a GF Value™ of ₹5.19 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 386 Credit Services companies, Viji Finance ranks better than 82.9% 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
Viji Finance had a gross margin of 93.35% 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.
Viji Finance Gross Margin % Related Terms
Viji Finance Gross Margin % Historical Data
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The historical data trend for Viji 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:537820 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Viji 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.
Viji Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Viji Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Viji 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.
Viji Finance (BOM:537820) has a Gross Margin % of 93.35% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Viji Finance and its competitors. This is 13% above median its historical median of 82.96. Over the past decade, Viji Finance's Gross Margin % has ranged from 44.62 to 96.07. According to the industry distribution chart, Viji Finance ranks #66 out of 386 companies in the Credit Services industry, placing it in the top 17.1%.
Is Viji Finance's Gross Margin % too high?
Viji Finance's current Gross Margin % of 93.35% is 13% above median its 10-year median of 82.96. Over the past 10 years, this metric has ranged from a low of 44.62 to a high of 96.07. The Credit Services industry median Gross Margin % is 50.97. Viji Finance's value of 93.35% is 83.1% above this industry median. Based on the distribution chart, Viji Finance ranks #66 out of 386 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Viji Finance has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Viji Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Viji Finance ranks #66 out of 386 companies for Gross Margin %. This places Viji Finance in the top 17% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 50.97. Viji Finance's value of 93.35% is 83.1% above this benchmark. Historically, Viji Finance's own Gross Margin % has ranged from 44.62 to 96.07 over the past decade. While the company's 10-year median is 82.96 vs. the industry median of 50.97, Viji 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 50.97, based on 386 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. Viji Finance's current Gross Margin % of 93.35% is 83.1% 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 Viji Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 50.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viji Finance's current Gross Margin % is 93.35%, which is 13% above median its own 10-year median of 82.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viji Finance stock overvalued right now?
Based on GuruFocus' analysis, Viji Finance (BOM:537820) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.19, compared to a current price of ₹7.41 — trading 42.8% above its estimated fair value. The current Gross Margin % is 93.35%, which is 13% above median its 10-year median of 82.96 and 83.1% above the Credit Services industry median of 50.97. Viji Finance's overall GF Score™ is 65/100 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 Viji Finance (BOM:537820), the current Gross Margin % is 93.35% 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 Viji Finance (BOM:537820) Overvalued in 2026?
Based on GuruFocus' analysis, Viji Finance stock appears to be overvalued.
The current stock price of ₹7.41 is trading 42.8% above its estimated GF Value™ of ₹5.19.
GuruFocus considers Viji Finance to be Significantly Overvalued.
Key valuation signals for BOM:537820:
Gross Margin %: 93.35% (13% above median its 10-year median of 82.96)
GF Value™: ₹5.19 vs. price of ₹7.41 (42.8% above fair value)
Industry Position: 83.1% above the Credit Services median (#66 of 386)
No single metric tells the full story. See the BOM:537820 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viji Finance Ltd is a non-banking finance company operating in the business segment of financial services. It generates revenue from the Interest and Financial Commission. The company's services include Corporate Finance, Infrastructure Finance, Retail loans, and Personal Finance. It serves individuals and corporations. The firm caters to individuals and corporations by providing them with customized financial products and services that give them access to low-cost finance.
65GF 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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