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Vani CommercialsBOM:538918 -3.30%47 Gross Margin % is 50.98% as of Dec. 2025, which is 10% above its 10-year median of 46.18. GuruFocus rates BOM:538918 with a GF Score™ of 47/100 and a GF Value™ of ₹11.09 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 391 Credit Services companies, Vani Commercials ranks worse than 87.21% 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
Vani Commercials had a gross margin of 50.98% for the quarter that ended in Dec. 2025 => 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.
Vani Commercials Gross Margin % Related Terms
Vani Commercials Gross Margin % Historical Data
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The historical data trend for Vani Commercials'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:538918 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Vani Commercials'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.
Vani Commercials Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vani Commercials's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Vani Commercials'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.
Vani Commercials (BOM:538918) has a Gross Margin % of 50.98% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Vani Commercials and its competitors. This is 10% above median its historical median of 46.18. Over the past decade, Vani Commercials' Gross Margin % has ranged from 8.94 to 73.96. According to the industry distribution chart, Vani Commercials ranks #341 out of 391 companies in the Credit Services industry, placing it in the top 87.2%.
Is Vani Commercials' Gross Margin % too high?
Vani Commercials' current Gross Margin % of 50.98% is 10% above median its 10-year median of 46.18. Over the past 10 years, this metric has ranged from a low of 8.94 to a high of 73.96. The Credit Services industry median Gross Margin % is 51.69. Vani Commercials' value of 50.98% is 1.4% below this industry median. Based on the distribution chart, Vani Commercials ranks #341 out of 391 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Vani Commercials has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vani Commercials' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Vani Commercials ranks #341 out of 391 companies for Gross Margin %. This places Vani Commercials in the lower half of its industry. The industry median Gross Margin % is 51.69. Vani Commercials' value of 50.98% is 1.4% below this benchmark. Historically, Vani Commercials' own Gross Margin % has ranged from 8.94 to 73.96 over the past decade. While the company's 10-year median is 46.18 vs. the industry median of 51.69, Vani Commercials 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 51.69, based on 391 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. Vani Commercials's current Gross Margin % of 50.98% is 1.4% 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 Vani Commercials and its competitors. For the Credit Services industry, the median Gross Margin % is 51.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vani Commercials's current Gross Margin % is 50.98%, which is 10% above median its own 10-year median of 46.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vani Commercials stock overvalued right now?
Based on GuruFocus' analysis, Vani Commercials (BOM:538918) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹11.09, compared to a current price of ₹7.91 — trading 28.7% below its estimated fair value. The current Gross Margin % is 50.98%, which is 10% above median its 10-year median of 46.18 and 1.4% below the Credit Services industry median of 51.69. Vani Commercials' overall GF Score™ is 47/100 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 Vani Commercials (BOM:538918), the current Gross Margin % is 50.98% as of Dec. 2025. 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 Vani Commercials (BOM:538918) Overvalued in 2026?
Based on GuruFocus' analysis, Vani Commercials stock appears to be undervalued.
The current stock price of ₹7.91 is trading 28.7% below its estimated GF Value™ of ₹11.09.
GuruFocus considers Vani Commercials to be Modestly Undervalued.
Key valuation signals for BOM:538918:
Gross Margin %: 50.98% (10% above median its 10-year median of 46.18)
GF Value™: ₹11.09 vs. price of ₹7.91 (28.7% below fair value)
Industry Position: 1.4% below the Credit Services median (#341 of 391)
No single metric tells the full story. See the BOM:538918 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vani Commercials Ltd is an India-based non-banking finance company. Its product includes loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, loans for the purchase of commercial property, and lease rental discounting. The company offers its lending services to Micro, Small, and Medium Enterprises. It derives key revenue from the Interest income.
47GF Score
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