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India Shelter FinanceBOM:544044 -0.12%38 Gross Margin % is 48.15% as of Mar. 2026, which is 26% above its 10-year median of 38.07. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 43 Banks companies, India Shelter Finance ranks better than 60.47% on this metric.
BOM:544044's Gross Margin % is ranked better than 60.47% of 43
companies
in the Banks industry
Industry Median: 40.26
vs BOM:544044: 46.14
India Shelter Finance had a gross margin of 48.15% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for India Shelter Finance was 4.10% per year.
India Shelter Finance (BOM:544044) 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
India Shelter Finance had a gross margin of 48.15% for the quarter that ended in Mar. 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.
India Shelter Finance Gross Margin % Related Terms
India Shelter Finance Gross Margin % Historical Data
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The historical data trend for India Shelter Finance'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:544044 vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, India Shelter Finance'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.
India Shelter Finance Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where India Shelter Finance'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.
India Shelter Finance (BOM:544044) has a Gross Margin % of 48.15% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on India Shelter Finance and its competitors. This is 26% above median its historical median of 38.07. Over the past decade, India Shelter Finance's Gross Margin % has ranged from 34.45 to 46.14. According to the industry distribution chart, India Shelter Finance ranks #17 out of 43 companies in the Banks industry, placing it in the top 39.5%.
Is India Shelter Finance's Gross Margin % too high?
India Shelter Finance's current Gross Margin % of 48.15% is 26% above median its 10-year median of 38.07. Over the past 10 years, this metric has ranged from a low of 34.45 to a high of 46.14. The Banks industry median Gross Margin % is 40.26. India Shelter Finance's value of 48.15% is 19.6% above this industry median. Based on the distribution chart, India Shelter Finance ranks #17 out of 43 companies in the Banks industry, which is above the industry midpoint. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #17 out of 43 companies for Gross Margin %. This puts India Shelter Finance in the upper half of its industry. The industry median Gross Margin % is 40.26. India Shelter Finance's value of 48.15% is 19.6% above this benchmark. Historically, India Shelter Finance's own Gross Margin % has ranged from 34.45 to 46.14 over the past decade. While the company's 10-year median is 38.07 vs. the industry median of 40.26, India Shelter Finance 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 Banks company?
The median Gross Margin % among Banks companies is 40.26, based on 43 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. India Shelter Finance's current Gross Margin % of 48.15% is 19.6% 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 India Shelter Finance and its competitors. For the Banks industry, the median Gross Margin % is 40.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current Gross Margin % is 48.15%, which is 26% above median its own 10-year median of 38.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current Gross Margin % of 48.15%. The current Gross Margin % is 48.15%, which is 26% above median its 10-year median of 38.07 and 19.6% above the Banks industry median of 40.26. India Shelter Finance's overall GF Score™ is 38/100 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 India Shelter Finance (BOM:544044), the current Gross Margin % is 48.15% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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