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CreditAccess GrameenBOM:541770 -2.25%88 Gross Margin % is 54.67% as of Jun. 2026, which is 3% below its 10-year median of 56.48. GuruFocus rates BOM:541770 with a GF Score™ of 88/100 and a GF Value™ of ₹1,442.03 (Fairly Valued). The stock has 6 warning signs investors should review. Among 390 Credit Services companies, CreditAccess Grameen ranks better than 53.85% 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
CreditAccess Grameen had a gross margin of 54.67% 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.
CreditAccess Grameen Gross Margin % Related Terms
CreditAccess Grameen Gross Margin % Historical Data
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The historical data trend for CreditAccess Grameen'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:541770 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, CreditAccess Grameen'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.
CreditAccess Grameen Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CreditAccess Grameen's Gross Margin % distribution charts can be found below:
* The bar in red indicates where CreditAccess Grameen'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.
CreditAccess Grameen (BOM:541770) has a Gross Margin % of 54.67% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on CreditAccess Grameen and its competitors. This is near median its historical median of 56.48. Over the past decade, CreditAccess Grameen's Gross Margin % has ranged from 45.85 to 60.21. According to the industry distribution chart, CreditAccess Grameen ranks #180 out of 390 companies in the Credit Services industry, placing it in the top 46.2%.
Is CreditAccess Grameen's Gross Margin % too high?
CreditAccess Grameen's current Gross Margin % of 54.67% is near median its 10-year median of 56.48. Over the past 10 years, this metric has ranged from a low of 45.85 to a high of 60.21. The Credit Services industry median Gross Margin % is 51.16. CreditAccess Grameen's value of 54.67% is 6.9% above this industry median. Based on the distribution chart, CreditAccess Grameen ranks #180 out of 390 companies in the Credit Services industry, which is above the industry midpoint. Overall, CreditAccess Grameen has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CreditAccess Grameen's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, CreditAccess Grameen ranks #180 out of 390 companies for Gross Margin %. This puts CreditAccess Grameen in the upper half of its industry. The industry median Gross Margin % is 51.16. CreditAccess Grameen's value of 54.67% is 6.9% above this benchmark. Historically, CreditAccess Grameen's own Gross Margin % has ranged from 45.85 to 60.21 over the past decade. While the company's 10-year median is 56.48 vs. the industry median of 51.16, CreditAccess Grameen 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. CreditAccess Grameen's current Gross Margin % of 54.67% is 6.9% 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 CreditAccess Grameen 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. CreditAccess Grameen's current Gross Margin % is 54.67%, which is near median its own 10-year median of 56.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CreditAccess Grameen stock overvalued right now?
Based on GuruFocus' analysis, CreditAccess Grameen (BOM:541770) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,442.03, compared to a current price of ₹1,556.90 — trading 8% above its estimated fair value. The current Gross Margin % is 54.67%, which is near median its 10-year median of 56.48 and 6.9% above the Credit Services industry median of 51.16. CreditAccess Grameen's overall GF Score™ is 88/100 with 6 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 CreditAccess Grameen (BOM:541770), the current Gross Margin % is 54.67% 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 CreditAccess Grameen (BOM:541770) Overvalued in 2026?
Based on GuruFocus' analysis, CreditAccess Grameen stock appears to be overvalued.
The current stock price of ₹1,556.90 is trading 8% above its estimated GF Value™ of ₹1,442.03.
GuruFocus considers CreditAccess Grameen to be Fairly Valued.
Key valuation signals for BOM:541770:
Gross Margin %: 54.67% (near median its 10-year median of 56.48)
GF Value™: ₹1,442.03 vs. price of ₹1,556.90 (8% above fair value)
Industry Position: 6.9% above the Credit Services median (#180 of 390)
No single metric tells the full story. See the BOM:541770 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CreditAccess Grameen Ltd is focused on providing financial support to women from low-income households engaged in economic activity with limited access to financial services. The Company predominantly offers collateral-free loans to women from low-income households willing to borrow in a group and agree to take joint liability. The wide range of lending products addresses the critical needs of customers throughout their lifecycle and includes income generation, home improvement, children's education, sanitation and personal emergency loans. The key stakeholders of the Company are customers, local communities in the operating regions, shareholders, lenders, investors, regulators, credit rating agencies and other business partners. It operates in India and outside India.
88GF Score
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