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Muthoot MicrofinBOM:544055 -1.64%36 Gross Margin % is 35.99% as of Mar. 2026, which is 3% above its 10-year median of 34.93. GuruFocus rates BOM:544055 with a GF Score™ of 36/100. The stock has 8 warning signs investors should review. Among 388 Credit Services companies, Muthoot Microfin ranks worse than 71.39% 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
Muthoot Microfin had a gross margin of 35.99% for the quarter that ended in Mar. 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.
Muthoot Microfin Gross Margin % Related Terms
Muthoot Microfin Gross Margin % Historical Data
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The historical data trend for Muthoot Microfin'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:544055 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Muthoot Microfin'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.
Muthoot Microfin Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Microfin's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Muthoot Microfin'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.
Muthoot Microfin (BOM:544055) has a Gross Margin % of 35.99% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Muthoot Microfin and its competitors. This is near median its historical median of 34.93. Over the past decade, Muthoot Microfin's Gross Margin % has ranged from 22.57 to 41.96. According to the industry distribution chart, Muthoot Microfin ranks #277 out of 388 companies in the Credit Services industry, placing it in the top 71.4%.
Is Muthoot Microfin's Gross Margin % too high?
Muthoot Microfin's current Gross Margin % of 35.99% is near median its 10-year median of 34.93. Over the past 10 years, this metric has ranged from a low of 22.57 to a high of 41.96. The Credit Services industry median Gross Margin % is 51.43. Muthoot Microfin's value of 35.99% is 30% below this industry median. Based on the distribution chart, Muthoot Microfin ranks #277 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, Muthoot Microfin has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Muthoot Microfin's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Microfin ranks #277 out of 388 companies for Gross Margin %. This places Muthoot Microfin in the lower half of its industry. The industry median Gross Margin % is 51.43. Muthoot Microfin's value of 35.99% is 30% below this benchmark. Historically, Muthoot Microfin's own Gross Margin % has ranged from 22.57 to 41.96 over the past decade. While the company's 10-year median is 34.93 vs. the industry median of 51.43, Muthoot Microfin 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 51.43, based on 388 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. Muthoot Microfin's current Gross Margin % of 35.99% is 30% 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 Muthoot Microfin and its competitors. For the Credit Services industry, the median Gross Margin % is 51.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muthoot Microfin's current Gross Margin % is 35.99%, which is near median its own 10-year median of 34.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muthoot Microfin stock overvalued right now?
Muthoot Microfin (BOM:544055) has a current Gross Margin % of 35.99%. The current Gross Margin % is 35.99%, which is near median its 10-year median of 34.93 and 30% below the Credit Services industry median of 51.43. Muthoot Microfin's overall GF Score™ is 36/100 with 8 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 Muthoot Microfin (BOM:544055), the current Gross Margin % is 35.99% 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.
Muthoot Microfin Ltd is a microfinance institution providing micro-loans to women customers with a focus on rural regions of India. The company offers loan products such as group loans for livelihood solutions such as income generating loans, Pragathi loans, and individual loans; life betterment solutions including mobile phones loans, solar lighting product loans, and household appliances product loans; health and hygiene loans such as sanitation improvement loans; and secured loans in the form of gold loans and Muthoot Small & Growing Business loans.
36GF Score
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