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Bajaj Housing FinanceBOM:544252 -0.54%7 Gross Margin % is 32.43% as of Jun. 2026, which is 1% below its 10-year median of 32.90. GuruFocus rates BOM:544252 with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 43 Banks companies, Bajaj Housing Finance ranks worse than 62.79% 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
Bajaj Housing Finance had a gross margin of 32.43% 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.
Bajaj Housing Finance Gross Margin % Related Terms
Bajaj Housing Finance Gross Margin % Historical Data
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The historical data trend for Bajaj Housing 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:544252 vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, Bajaj Housing 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.
Bajaj Housing Finance Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bajaj Housing Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Bajaj Housing 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.
Bajaj Housing Finance (BOM:544252) has a Gross Margin % of 32.43% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Bajaj Housing Finance and its competitors. This is near median its historical median of 32.90. Over the past decade, Bajaj Housing Finance's Gross Margin % has ranged from 30.15 to 34.09. According to the industry distribution chart, Bajaj Housing Finance ranks #27 out of 43 companies in the Banks industry, placing it in the top 62.8%.
Is Bajaj Housing Finance's Gross Margin % too high?
Bajaj Housing Finance's current Gross Margin % of 32.43% is near median its 10-year median of 32.90. Over the past 10 years, this metric has ranged from a low of 30.15 to a high of 34.09. The Banks industry median Gross Margin % is 40.26. Bajaj Housing Finance's value of 32.43% is 19.4% below this industry median. Based on the distribution chart, Bajaj Housing Finance ranks #27 out of 43 companies in the Banks industry, which is below the industry midpoint. Overall, Bajaj Housing Finance has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Bajaj Housing Finance's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Bajaj Housing Finance ranks #27 out of 43 companies for Gross Margin %. This places Bajaj Housing Finance in the lower half of its industry. The industry median Gross Margin % is 40.26. Bajaj Housing Finance's value of 32.43% is 19.4% below this benchmark. Historically, Bajaj Housing Finance's own Gross Margin % has ranged from 30.15 to 34.09 over the past decade. While the company's 10-year median is 32.90 vs. the industry median of 40.26, Bajaj Housing Finance 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 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. Bajaj Housing Finance's current Gross Margin % of 32.43% is 19.4% 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 Bajaj Housing 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. Bajaj Housing Finance's current Gross Margin % is 32.43%, which is near median its own 10-year median of 32.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Housing Finance stock overvalued right now?
Bajaj Housing Finance (BOM:544252) has a current Gross Margin % of 32.43%. The current Gross Margin % is 32.43%, which is near median its 10-year median of 32.90 and 19.4% below the Banks industry median of 40.26. Bajaj Housing Finance's overall GF Score™ is 7/100 with 3 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 Bajaj Housing Finance (BOM:544252), the current Gross Margin % is 32.43% 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.
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
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