NSE:ARMANFIN's Gross Margin % is ranked worse than 61.76% of 387
companies
in the Credit Services industry
Industry Median: 51.81
vs NSE:ARMANFIN: 41.61
Arman Financial Services had a gross margin of 43.32% for the quarter that ended in Mar. 2026 => Durable competitive advantage
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
Arman Financial Services had a gross margin of 43.32% 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.
Arman Financial Services Gross Margin % Related Terms
Arman Financial Services Gross Margin % Historical Data
* 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.
NSE:ARMANFIN vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Arman Financial Services'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.
Arman Financial Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Arman Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Arman Financial Services'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.
Arman Financial Services (NSE:ARMANFIN) has a Gross Margin % of 43.32% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Arman Financial Services and its competitors. This is near median its historical median of 41.89. Over the past decade, Arman Financial Services' Gross Margin % has ranged from 38.46 to 45.43. According to the industry distribution chart, Arman Financial Services ranks #239 out of 387 companies in the Credit Services industry, placing it in the top 61.8%.
Is Arman Financial Services' Gross Margin % too high?
Arman Financial Services' current Gross Margin % of 43.32% is near median its 10-year median of 41.89. Over the past 10 years, this metric has ranged from a low of 38.46 to a high of 45.43. The Credit Services industry median Gross Margin % is 51.81. Arman Financial Services' value of 43.32% is 16.4% below this industry median. Based on the distribution chart, Arman Financial Services ranks #239 out of 387 companies in the Credit Services industry, which is below the industry midpoint. Overall, Arman Financial Services has a GF Score™ of 86/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Arman Financial Services ranks #239 out of 387 companies for Gross Margin %. This places Arman Financial Services in the lower half of its industry. The industry median Gross Margin % is 51.81. Arman Financial Services' value of 43.32% is 16.4% below this benchmark. Historically, Arman Financial Services' own Gross Margin % has ranged from 38.46 to 45.43 over the past decade. While the company's 10-year median is 41.89 vs. the industry median of 51.81, Arman Financial Services 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 51.81, based on 387 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. Arman Financial Services's current Gross Margin % of 43.32% is 16.4% 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 Arman Financial Services and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arman Financial Services's current Gross Margin % is 43.32%, which is near median its own 10-year median of 41.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arman Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Arman Financial Services (NSE:ARMANFIN) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,684.73, compared to a current price of ₹1,813.00 — trading 7.6% above its estimated fair value. The current Gross Margin % is 43.32%, which is near median its 10-year median of 41.89 and 16.4% below the Credit Services industry median of 51.81. Arman Financial Services' overall GF Score™ is 86/100 with 7 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 Arman Financial Services (NSE:ARMANFIN), the current Gross Margin % is 43.32% 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.
Is Arman Financial Services (NSE:ARMANFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Arman Financial Services stock appears to be overvalued.
The current stock price of ₹1,813.00 is trading 7.6% above its estimated GF Value™ of ₹1,684.73.
GuruFocus considers Arman Financial Services to be Fairly Valued.
Key valuation signals for NSE:ARMANFIN:
Gross Margin %: 43.32% (near median its 10-year median of 41.89)
GF Value™: ₹1,684.73 vs. price of ₹1,813.00 (7.6% above fair value)
Industry Position: 16.4% below the Credit Services median (#239 of 387)
No single metric tells the full story. See the NSE:ARMANFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arman Financial Services Ltd is a Non-Banking Financial Company (NBFC-AFC) registered with the RBI. It specialises in financing two-wheeler purchases to MSMEs and extends microfinance services through its subsidiary focusing on women entrepreneurs. The Company has a presence in several Indian states, strategically focusing on rural and semi-urban areas. It serves the underserved informal sector with small-scale retail loans. The company generates the majority of its revenue from Interest Income. All the operations of the company are in India.
86GF Score
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