Dar Credit & CapitalNSE:DCCL +5.71%12 Gross Margin % is 51.93% as of Mar. 2026, which is 25% above its 10-year median of 41.61. GuruFocus rates NSE:DCCL with a GF Score™ of 12/100. The stock has 1 warning sign investors should review. Among 387 Credit Services companies, Dar Credit & Capital ranks worse than 60.98% on this metric.
The historical rank and industry rank for Dar Credit & Capital's Gross Margin % or its related term are showing as below:
NSE:DCCL'
s Gross Margin % Range Over the Past 10 Years
Min: 36.98 Med: 41.61 Max: 43.14
Current: 42.32
During the past 5 years, the highestGross Margin % of Dar Credit & Capital was 43.14%. The lowest was 36.98%. And the median was 41.61%.
NSE:DCCL's Gross Margin % is ranked worse than 60.98% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs NSE:DCCL: 42.32
Dar Credit & Capital had a gross margin of 51.93% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Dar Credit & Capital was 0.00% per year.
Dar Credit & Capital (NSE:DCCL) 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
Dar Credit & Capital had a gross margin of 51.93% 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.
Dar Credit & Capital Gross Margin % Related Terms
Dar Credit & Capital Gross Margin % Historical Data
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The historical data trend for Dar Credit & Capital'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.
For the Credit Services subindustry, Dar Credit & Capital'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.
Dar Credit & Capital Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dar Credit & Capital's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Dar Credit & Capital'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.
Dar Credit & Capital (NSE:DCCL) has a Gross Margin % of 51.93% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Dar Credit & Capital and its competitors. This is 25% above median its historical median of 41.61. Over the past decade, Dar Credit & Capital's Gross Margin % has ranged from 36.98 to 43.14. According to the industry distribution chart, Dar Credit & Capital ranks #236 out of 387 companies in the Credit Services industry, placing it in the top 61%.
Is Dar Credit & Capital's Gross Margin % too high?
Dar Credit & Capital's current Gross Margin % of 51.93% is 25% above median its 10-year median of 41.61. Over the past 10 years, this metric has ranged from a low of 36.98 to a high of 43.14. The Credit Services industry median Gross Margin % is 51.88. Dar Credit & Capital's value of 51.93% is 0.1% above this industry median. Based on the distribution chart, Dar Credit & Capital ranks #236 out of 387 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dar Credit & Capital has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Dar Credit & Capital's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Dar Credit & Capital ranks #236 out of 387 companies for Gross Margin %. This places Dar Credit & Capital in the lower half of its industry. The industry median Gross Margin % is 51.88. Dar Credit & Capital's value of 51.93% is 0.1% above this benchmark. Historically, Dar Credit & Capital's own Gross Margin % has ranged from 36.98 to 43.14 over the past decade. While the company's 10-year median is 41.61 vs. the industry median of 51.88, Dar Credit & Capital 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 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. Dar Credit & Capital's current Gross Margin % of 51.93% is 0.1% 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 Dar Credit & Capital 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. Dar Credit & Capital's current Gross Margin % is 51.93%, which is 25% above median its own 10-year median of 41.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dar Credit & Capital stock overvalued right now?
Dar Credit & Capital (NSE:DCCL) has a current Gross Margin % of 51.93%. The current Gross Margin % is 51.93%, which is 25% above median its 10-year median of 41.61 and 0.1% above the Credit Services industry median of 51.88. Dar Credit & Capital's overall GF Score™ is 12/100 with 1 warning sign 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 Dar Credit & Capital (NSE:DCCL), the current Gross Margin % is 51.93% 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.
Dar Credit & Capital Ltd is a non-banking finance company offering three primary types of financial products: Personal Loans, Unsecured MSME Loans, and Secured MSME Loans. The company offers credit solutions to low-income individuals, especially those in class-four employment roles like cleaners and peons in municipalities. Additionally, it extends credit to small-scale shopkeepers and vendors, strongly focusing on empowering women entrepreneurs.
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