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Supra Pacific Financial Services (BOM:540168) Gross Margin % Explanation
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
Supra Pacific Financial Services had a gross margin of 23.68% for the quarter that ended in Jun. 2026 => Competition eroding margins
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.
Supra Pacific Financial Services Gross Margin % Related Terms
Supra Pacific Financial Services Gross Margin % Historical Data
* 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.
Supra Pacific Financial Services Gross Margin % Chart
BOM:540168 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Supra Pacific Financial Services'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.
Supra Pacific Financial Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Supra Pacific Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Supra Pacific Financial Services'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.
Supra Pacific Financial Services (BOM:540168) has a Gross Margin % of 23.68% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Supra Pacific Financial Services and its competitors. This is 39% below median its historical median of 38.73. Over the past decade, Supra Pacific Financial Services' Gross Margin % has ranged from 21.39 to 96.99. According to the industry distribution chart, Supra Pacific Financial Services ranks #310 out of 390 companies in the Credit Services industry, placing it in the top 79.5%.
Is Supra Pacific Financial Services' Gross Margin % too high?
Supra Pacific Financial Services' current Gross Margin % of 23.68% is 39% below median its 10-year median of 38.73. Over the past 10 years, this metric has ranged from a low of 21.39 to a high of 96.99. The Credit Services industry median Gross Margin % is 51.16. Supra Pacific Financial Services' value of 23.68% is 53.7% below this industry median. Based on the distribution chart, Supra Pacific Financial Services ranks #310 out of 390 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Supra Pacific Financial Services has a GF Score™ of 69/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Supra Pacific Financial Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Supra Pacific Financial Services ranks #310 out of 390 companies for Gross Margin %. This places Supra Pacific Financial Services in the lower half of its industry. The industry median Gross Margin % is 51.16. Supra Pacific Financial Services' value of 23.68% is 53.7% below this benchmark. Historically, Supra Pacific Financial Services' own Gross Margin % has ranged from 21.39 to 96.99 over the past decade. While the company's 10-year median is 38.73 vs. the industry median of 51.16, Supra Pacific Financial Services 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 51.16, based on 390 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. Supra Pacific Financial Services's current Gross Margin % of 23.68% is 53.7% 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 Supra Pacific Financial Services and its competitors. For the Credit Services industry, the median Gross Margin % is 51.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Supra Pacific Financial Services's current Gross Margin % is 23.68%, which is 39% below median its own 10-year median of 38.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Supra Pacific Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Supra Pacific Financial Services (BOM:540168) is currently considered Possible Value Trap. The stock's GF Value™ is ₹48.34, compared to a current price of ₹33.89 — trading 29.9% below its estimated fair value. The current Gross Margin % is 23.68%, which is 39% below median its 10-year median of 38.73 and 53.7% below the Credit Services industry median of 51.16. Supra Pacific Financial Services' overall GF Score™ is 69/100 with 11 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 Supra Pacific Financial Services (BOM:540168), the current Gross Margin % is 23.68% as of Jun. 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 Supra Pacific Financial Services (BOM:540168) Overvalued in 2026?
Based on GuruFocus' analysis, Supra Pacific Financial Services stock appears to be undervalued.
The current stock price of ₹33.89 is trading 29.9% below its estimated GF Value™ of ₹48.34.
GuruFocus considers Supra Pacific Financial Services to be Possible Value Trap.
Key valuation signals for BOM:540168:
Gross Margin %: 23.68% (39% below median its 10-year median of 38.73)
GF Value™: ₹48.34 vs. price of ₹33.89 (29.9% below fair value)
Industry Position: 53.7% below the Credit Services median (#310 of 390)
No single metric tells the full story. See the BOM:540168 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Supra Pacific Financial Services Ltd formerly Supra Pacific Management Consultancy Ltd provides financial services in India. Its operating segments are Auto loan, Microfinance, Traders Loan and Gold Loan.
69GF Score
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