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.
Moneyboxx FinanceBOM:538446 +3.45%59 Gross Margin % is 19.54% as of Mar. 2026, which is 41% above its 10-year median of 13.82. GuruFocus rates BOM:538446 with a GF Score™ of 59/100 and a GF Value™ of ₹161.69 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 388 Credit Services companies, Moneyboxx Finance ranks worse than 82.99% 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
Moneyboxx Finance had a gross margin of 19.54% 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.
Moneyboxx Finance Gross Margin % Related Terms
Moneyboxx Finance Gross Margin % Historical Data
* Premium members only.
The historical data trend for Moneyboxx 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:538446 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Moneyboxx 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.
Moneyboxx Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Moneyboxx Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Moneyboxx 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.
Moneyboxx Finance (BOM:538446) has a Gross Margin % of 19.54% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Moneyboxx Finance and its competitors. This is 41% above median its historical median of 13.82. According to the industry distribution chart, Moneyboxx Finance ranks #322 out of 388 companies in the Credit Services industry, placing it in the top 83%.
Is Moneyboxx Finance's Gross Margin % too high?
Moneyboxx Finance's current Gross Margin % of 19.54% is 41% above median its 10-year median of 13.82. The Credit Services industry median Gross Margin % is 51.85. Moneyboxx Finance's value of 19.54% is 62.3% below this industry median. Based on the distribution chart, Moneyboxx Finance ranks #322 out of 388 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Moneyboxx Finance has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Moneyboxx Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Moneyboxx Finance ranks #322 out of 388 companies for Gross Margin %. This places Moneyboxx Finance in the lower half of its industry. The industry median Gross Margin % is 51.85. Moneyboxx Finance's value of 19.54% is 62.3% below this benchmark. While the company's 10-year median is 13.82 vs. the industry median of 51.85, Moneyboxx Finance 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 51.85, 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. Moneyboxx Finance's current Gross Margin % of 19.54% is 62.3% 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 Moneyboxx Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneyboxx Finance's current Gross Margin % is 19.54%, which is 41% above median its own 10-year median of 13.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Moneyboxx Finance stock overvalued right now?
Based on GuruFocus' analysis, Moneyboxx Finance (BOM:538446) is currently considered Possible Value Trap. The stock's GF Value™ is ₹161.69, compared to a current price of ₹60.00 — trading 62.9% below its estimated fair value. The current Gross Margin % is 19.54%, which is 41% above median its 10-year median of 13.82 and 62.3% below the Credit Services industry median of 51.85. Moneyboxx Finance's overall GF Score™ is 59/100 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 Moneyboxx Finance (BOM:538446), the current Gross Margin % is 19.54% 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 Moneyboxx Finance (BOM:538446) Overvalued in 2026?
Based on GuruFocus' analysis, Moneyboxx Finance stock appears to be undervalued.
The current stock price of ₹60.00 is trading 62.9% below its estimated GF Value™ of ₹161.69.
GuruFocus considers Moneyboxx Finance to be Possible Value Trap.
Key valuation signals for BOM:538446:
Gross Margin %: 19.54% (41% above median its 10-year median of 13.82)
GF Value™: ₹161.69 vs. price of ₹60.00 (62.9% below fair value)
Industry Position: 62.3% below the Credit Services median (#322 of 388)
No single metric tells the full story. See the BOM:538446 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Moneyboxx Finance Ltd is a Non-Deposit Taking, Non-Systemically Important Non-Banking Financial Company. The company is engaged in lending and allied activities. The company focuses on small and medium-sized enterprises (SME) lending, commercial lending, and value-added services. The company generates the majority of its revenue from Interest income, followed by fee and commission income. The company has all of its operations within India.
59GF Score
Get the complete analysis for BOM:538446
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:538446 has been successfully added to your 
