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Niyogin FintechBOM:538772 -2.80%54 Gross Margin % is 11.13% as of Mar. 2026, which is 161% above its 10-year median of 4.26. GuruFocus rates BOM:538772 with a GF Score™ of 54/100 and a GF Value™ of ₹76.13 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 388 Credit Services companies, Niyogin Fintech ranks worse than 88.4% 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
Niyogin Fintech had a gross margin of 11.13% 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.
Niyogin Fintech Gross Margin % Related Terms
Niyogin Fintech Gross Margin % Historical Data
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The historical data trend for Niyogin Fintech'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:538772 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Niyogin Fintech'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.
Niyogin Fintech Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Niyogin Fintech's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Niyogin Fintech'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.
Niyogin Fintech (BOM:538772) has a Gross Margin % of 11.13% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Niyogin Fintech and its competitors. This is 161% above median its historical median of 4.26. According to the industry distribution chart, Niyogin Fintech ranks #343 out of 388 companies in the Credit Services industry, placing it in the top 88.4%.
Is Niyogin Fintech's Gross Margin % too high?
Niyogin Fintech's current Gross Margin % of 11.13% is 161% above median its 10-year median of 4.26. The Credit Services industry median Gross Margin % is 51.85. Niyogin Fintech's value of 11.13% is 78.5% below this industry median. Based on the distribution chart, Niyogin Fintech ranks #343 out of 388 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Niyogin Fintech has a GF Score™ of 54/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Niyogin Fintech's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Niyogin Fintech ranks #343 out of 388 companies for Gross Margin %. This places Niyogin Fintech in the lower half of its industry. The industry median Gross Margin % is 51.85. Niyogin Fintech's value of 11.13% is 78.5% below this benchmark. While the company's 10-year median is 4.26 vs. the industry median of 51.85, Niyogin Fintech 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. Niyogin Fintech's current Gross Margin % of 11.13% is 78.5% 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 Niyogin Fintech 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. Niyogin Fintech's current Gross Margin % is 11.13%, which is 161% above median its own 10-year median of 4.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Niyogin Fintech stock overvalued right now?
Based on GuruFocus' analysis, Niyogin Fintech (BOM:538772) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹76.13, compared to a current price of ₹42.08 — trading 44.7% below its estimated fair value. The current Gross Margin % is 11.13%, which is 161% above median its 10-year median of 4.26 and 78.5% below the Credit Services industry median of 51.85. Niyogin Fintech's overall GF Score™ is 54/100 with 3 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 Niyogin Fintech (BOM:538772), the current Gross Margin % is 11.13% 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 Niyogin Fintech (BOM:538772) Overvalued in 2026?
Based on GuruFocus' analysis, Niyogin Fintech stock appears to be undervalued.
The current stock price of ₹42.08 is trading 44.7% below its estimated GF Value™ of ₹76.13.
GuruFocus considers Niyogin Fintech to be Significantly Undervalued.
Key valuation signals for BOM:538772:
Gross Margin %: 11.13% (161% above median its 10-year median of 4.26)
GF Value™: ₹76.13 vs. price of ₹42.08 (44.7% below fair value)
Industry Position: 78.5% below the Credit Services median (#343 of 388)
No single metric tells the full story. See the BOM:538772 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Niyogin Fintech Ltd is an Indian non-banking finance company. It is engaged in providing lending facilities and credit services to small and medium business. Geographically, it operates only in India. The company generates its revenue in the form of interest income, processing fees, Bounce charges, and other finance charges.
54GF Score
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