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Finbud Financial ServicesNSE:FINBUD +3.39%18 Gross Margin % is 90.12% as of Mar. 2026, which is 0% above its 10-year median of 89.89. GuruFocus rates NSE:FINBUD with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 387 Credit Services companies, Finbud Financial Services ranks better than 94.83% 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
Finbud Financial Services had a gross margin of 90.12% 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.
Finbud Financial Services Gross Margin % Related Terms
Finbud 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.
Finbud Financial Services Gross Margin % Chart
Finbud Financial Services Annual Data
Trend
Mar23
Mar24
Mar25
Mar26
Gross Margin %
89.65
90.89
89.31
90.12
Finbud Financial Services Semi-Annual Data
Mar23
Mar24
Mar25
Mar26
Gross Margin %
89.65
90.89
89.31
90.12
NSE:FINBUD vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Finbud 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.
Finbud Financial Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Finbud 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.
Finbud Financial Services (NSE:FINBUD) has a Gross Margin % of 90.12% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Finbud Financial Services and its competitors. This is near median its historical median of 89.89. Over the past decade, Finbud Financial Services' Gross Margin % has ranged from 89.31 to 90.89. According to the industry distribution chart, Finbud Financial Services ranks #20 out of 387 companies in the Credit Services industry, placing it in the top 5.2%.
Is Finbud Financial Services' Gross Margin % too high?
Finbud Financial Services' current Gross Margin % of 90.12% is near median its 10-year median of 89.89. Over the past 10 years, this metric has ranged from a low of 89.31 to a high of 90.89. The Credit Services industry median Gross Margin % is 51.81. Finbud Financial Services' value of 90.12% is 73.9% above this industry median. Based on the distribution chart, Finbud Financial Services ranks #20 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Finbud Financial Services has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #20 out of 387 companies for Gross Margin %. This places Finbud Financial Services in the top 5% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.81. Finbud Financial Services' value of 90.12% is 73.9% above this benchmark. Historically, Finbud Financial Services' own Gross Margin % has ranged from 89.31 to 90.89 over the past decade. While the company's 10-year median is 89.89 vs. the industry median of 51.81, Finbud Financial Services 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 51.81, 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. Finbud Financial Services's current Gross Margin % of 90.12% is 73.9% 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 Finbud 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. Finbud Financial Services's current Gross Margin % is 90.12%, which is near median its own 10-year median of 89.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current Gross Margin % of 90.12%. The current Gross Margin % is 90.12%, which is near median its 10-year median of 89.89 and 73.9% above the Credit Services industry median of 51.81. Finbud Financial Services' overall GF Score™ is 18/100 with 2 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 Finbud Financial Services (NSE:FINBUD), the current Gross Margin % is 90.12% 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
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