Baid FinservNSE:BAIDFIN +2.15%81 Gross Margin % is 37.71% as of Mar. 2026, which is 1% above its 10-year median of 37.43. GuruFocus rates NSE:BAIDFIN with a GF Score™ of 81/100 and a GF Value™ of ₹20.65 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Baid Finserv ranks worse than 66.93% 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
Baid Finserv had a gross margin of 37.71% 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.
Baid Finserv Gross Margin % Related Terms
Baid Finserv Gross Margin % Historical Data
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The historical data trend for Baid Finserv'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.
NSE:BAIDFIN vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Baid Finserv'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.
Baid Finserv Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Baid Finserv's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Baid Finserv'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.
Baid Finserv (NSE:BAIDFIN) has a Gross Margin % of 37.71% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Baid Finserv and its competitors. This is near median its historical median of 37.43. Over the past decade, Baid Finserv's Gross Margin % has ranged from 27.99 to 46.86. According to the industry distribution chart, Baid Finserv ranks #259 out of 387 companies in the Credit Services industry, placing it in the top 66.9%.
Is Baid Finserv's Gross Margin % too high?
Baid Finserv's current Gross Margin % of 37.71% is near median its 10-year median of 37.43. Over the past 10 years, this metric has ranged from a low of 27.99 to a high of 46.86. The Credit Services industry median Gross Margin % is 51.88. Baid Finserv's value of 37.71% is 27.3% below this industry median. Based on the distribution chart, Baid Finserv ranks #259 out of 387 companies in the Credit Services industry, which is below the industry midpoint. Overall, Baid Finserv has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Baid Finserv's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Baid Finserv ranks #259 out of 387 companies for Gross Margin %. This places Baid Finserv in the lower half of its industry. The industry median Gross Margin % is 51.88. Baid Finserv's value of 37.71% is 27.3% below this benchmark. Historically, Baid Finserv's own Gross Margin % has ranged from 27.99 to 46.86 over the past decade. While the company's 10-year median is 37.43 vs. the industry median of 51.88, Baid Finserv 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 51.88, 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. Baid Finserv's current Gross Margin % of 37.71% is 27.3% 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 Baid Finserv and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baid Finserv's current Gross Margin % is 37.71%, which is near median its own 10-year median of 37.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baid Finserv stock overvalued right now?
Based on GuruFocus' analysis, Baid Finserv (NSE:BAIDFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹20.65, compared to a current price of ₹9.99 — trading 51.6% below its estimated fair value. The current Gross Margin % is 37.71%, which is near median its 10-year median of 37.43 and 27.3% below the Credit Services industry median of 51.88. Baid Finserv's overall GF Score™ is 81/100 with 4 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 Baid Finserv (NSE:BAIDFIN), the current Gross Margin % is 37.71% 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 Baid Finserv (NSE:BAIDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Baid Finserv stock appears to be undervalued.
The current stock price of ₹9.99 is trading 51.6% below its estimated GF Value™ of ₹20.65.
GuruFocus considers Baid Finserv to be Possible Value Trap.
Key valuation signals for NSE:BAIDFIN:
Gross Margin %: 37.71% (near median its 10-year median of 37.43)
GF Value™: ₹20.65 vs. price of ₹9.99 (51.6% below fair value)
Industry Position: 27.3% below the Credit Services median (#259 of 387)
No single metric tells the full story. See the NSE:BAIDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baid Finserv Ltd is a non-banking financial company engaged in vehicle financing, loan against property, and SME lending, hire purchase services, leasing, securities investments, and trading negotiable instruments. The Company operates in a single reporting segment, which is financing. It also provides mortgage loans and top-up loans. The company mainly operates in India.
81GF Score
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