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Regency FincorpBOM:540175 +2.26%70 Gross Margin % is 58.88% as of Jun. 2026, which is 59% above its 10-year median of 37.14. GuruFocus rates BOM:540175 with a GF Score™ of 70/100 and a GF Value™ of ₹35.91 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 390 Credit Services companies, Regency Fincorp ranks better than 53.59% 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
Regency Fincorp had a gross margin of 58.88% for the quarter that ended in Jun. 2026 => 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.
Regency Fincorp Gross Margin % Related Terms
Regency Fincorp Gross Margin % Historical Data
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The historical data trend for Regency Fincorp'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:540175 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Regency Fincorp'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.
Regency Fincorp Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regency Fincorp's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Regency Fincorp'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.
Regency Fincorp (BOM:540175) has a Gross Margin % of 58.88% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Regency Fincorp and its competitors. This is 59% above median its historical median of 37.14. Over the past decade, Regency Fincorp's Gross Margin % has ranged from 20.09 to 96.00. According to the industry distribution chart, Regency Fincorp ranks #181 out of 390 companies in the Credit Services industry, placing it in the top 46.4%.
Is Regency Fincorp's Gross Margin % too high?
Regency Fincorp's current Gross Margin % of 58.88% is 59% above median its 10-year median of 37.14. Over the past 10 years, this metric has ranged from a low of 20.09 to a high of 96.00. The Credit Services industry median Gross Margin % is 51.16. Regency Fincorp's value of 58.88% is 15.1% above this industry median. Based on the distribution chart, Regency Fincorp ranks #181 out of 390 companies in the Credit Services industry, which is above the industry midpoint. Overall, Regency Fincorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Regency Fincorp's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Regency Fincorp ranks #181 out of 390 companies for Gross Margin %. This puts Regency Fincorp in the upper half of its industry. The industry median Gross Margin % is 51.16. Regency Fincorp's value of 58.88% is 15.1% above this benchmark. Historically, Regency Fincorp's own Gross Margin % has ranged from 20.09 to 96.00 over the past decade. While the company's 10-year median is 37.14 vs. the industry median of 51.16, Regency Fincorp has consistently been above 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. Regency Fincorp's current Gross Margin % of 58.88% is 15.1% above 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 Regency Fincorp 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. Regency Fincorp's current Gross Margin % is 58.88%, which is 59% above median its own 10-year median of 37.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Regency Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Regency Fincorp (BOM:540175) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹35.91, compared to a current price of ₹43.07 — trading 19.9% above its estimated fair value. The current Gross Margin % is 58.88%, which is 59% above median its 10-year median of 37.14 and 15.1% above the Credit Services industry median of 51.16. Regency Fincorp's overall GF Score™ is 70/100 with 5 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 Regency Fincorp (BOM:540175), the current Gross Margin % is 58.88% 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 Regency Fincorp (BOM:540175) Overvalued in 2026?
Based on GuruFocus' analysis, Regency Fincorp stock appears to be overvalued.
The current stock price of ₹43.07 is trading 19.9% above its estimated GF Value™ of ₹35.91.
GuruFocus considers Regency Fincorp to be Modestly Overvalued.
Key valuation signals for BOM:540175:
Gross Margin %: 58.88% (59% above median its 10-year median of 37.14)
GF Value™: ₹35.91 vs. price of ₹43.07 (19.9% above fair value)
Industry Position: 15.1% above the Credit Services median (#181 of 390)
No single metric tells the full story. See the BOM:540175 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Regency Fincorp Ltd operates as a non-banking financial company engaged in the business of financing and investment advisory services in India. The products provided by the company include Personal Loans, Micro Loans, MSME Loan, Merchant financing, Women entrepreneurs loan, loans against property, and Residential and commercial. It generates revenue in the form of interest and dividend.
70GF Score
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