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Sarvottam FinvestBOM:539124 -7.76%70 Gross Margin % is 1.12% as of Mar. 2026, which is 98% below its 10-year median of 57.15. GuruFocus rates BOM:539124 with a GF Score™ of 70/100 and a GF Value™ of ₹21.63 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 387 Credit Services companies, Sarvottam Finvest ranks better than 67.96% 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
Sarvottam Finvest had a gross margin of 1.12% 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.
Sarvottam Finvest Gross Margin % Related Terms
Sarvottam Finvest Gross Margin % Historical Data
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The historical data trend for Sarvottam Finvest'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:539124 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Sarvottam Finvest'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.
Sarvottam Finvest Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sarvottam Finvest's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Sarvottam Finvest'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.
Sarvottam Finvest (BOM:539124) has a Gross Margin % of 1.12% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Sarvottam Finvest and its competitors. This is 98% below median its historical median of 57.15. Over the past decade, Sarvottam Finvest's Gross Margin % has ranged from 23.29 to 77.04. According to the industry distribution chart, Sarvottam Finvest ranks #124 out of 387 companies in the Credit Services industry, placing it in the top 32%.
Is Sarvottam Finvest's Gross Margin % too high?
Sarvottam Finvest's current Gross Margin % of 1.12% is 98% below median its 10-year median of 57.15. Over the past 10 years, this metric has ranged from a low of 23.29 to a high of 77.04. The Credit Services industry median Gross Margin % is 51.81. Sarvottam Finvest's value of 1.12% is 97.8% below this industry median. Based on the distribution chart, Sarvottam Finvest ranks #124 out of 387 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sarvottam Finvest has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sarvottam Finvest's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Sarvottam Finvest ranks #124 out of 387 companies for Gross Margin %. This puts Sarvottam Finvest in the upper half of its industry. The industry median Gross Margin % is 51.81. Sarvottam Finvest's value of 1.12% is 97.8% below this benchmark. Historically, Sarvottam Finvest's own Gross Margin % has ranged from 23.29 to 77.04 over the past decade. While the company's 10-year median is 57.15 vs. the industry median of 51.81, Sarvottam Finvest 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 51.81, based on 387 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. Sarvottam Finvest's current Gross Margin % of 1.12% is 97.8% 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 Sarvottam Finvest and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sarvottam Finvest's current Gross Margin % is 1.12%, which is 98% below median its own 10-year median of 57.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sarvottam Finvest stock overvalued right now?
Based on GuruFocus' analysis, Sarvottam Finvest (BOM:539124) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹21.63, compared to a current price of ₹18.19 — trading 15.9% below its estimated fair value. The current Gross Margin % is 1.12%, which is 98% below median its 10-year median of 57.15 and 97.8% below the Credit Services industry median of 51.81. Sarvottam Finvest's overall GF Score™ is 70/100 with 2 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 Sarvottam Finvest (BOM:539124), the current Gross Margin % is 1.12% 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 Sarvottam Finvest (BOM:539124) Overvalued in 2026?
Based on GuruFocus' analysis, Sarvottam Finvest stock appears to be undervalued.
The current stock price of ₹18.19 is trading 15.9% below its estimated GF Value™ of ₹21.63.
GuruFocus considers Sarvottam Finvest to be Modestly Undervalued.
Key valuation signals for BOM:539124:
Gross Margin %: 1.12% (98% below median its 10-year median of 57.15)
GF Value™: ₹21.63 vs. price of ₹18.19 (15.9% below fair value)
Industry Position: 97.8% below the Credit Services median (#124 of 387)
No single metric tells the full story. See the BOM:539124 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sarvottam Finvest Ltd is an Indian-based non-banking financial company. Its business is to make both long-term and short-term investments in quoted as well as unquoted shares. The company also gives short-term and long-term loans to its borrowers. It earns revenue through interest on loans given to the borrowers, dividends on investments, and revenue by purchase and sale of shares and securities. It is engaged in only one segment which is Financing and all of the Operations are in India.
70GF Score
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