IBL FinanceNSE:IBLFL 35 Gross Margin % is 48.61% as of Mar. 2026, which is 42% below its 10-year median of 83.65. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review. Among 386 Credit Services companies, IBL Finance ranks worse than 53.37% 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
IBL Finance had a gross margin of 48.61% 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.
IBL Finance Gross Margin % Related Terms
IBL Finance Gross Margin % Historical Data
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The historical data trend for IBL 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.
NSE:IBLFL vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, IBL 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.
IBL Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where IBL 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.
IBL Finance (NSE:IBLFL) has a Gross Margin % of 48.61% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on IBL Finance and its competitors. This is 42% below median its historical median of 83.65. Over the past decade, IBL Finance's Gross Margin % has ranged from 48.61 to 90.77. According to the industry distribution chart, IBL Finance ranks #206 out of 386 companies in the Credit Services industry, placing it in the top 53.4%.
Is IBL Finance's Gross Margin % too high?
IBL Finance's current Gross Margin % of 48.61% is 42% below median its 10-year median of 83.65. Over the past 10 years, this metric has ranged from a low of 48.61 to a high of 90.77. The Credit Services industry median Gross Margin % is 51.43. IBL Finance's value of 48.61% is 5.5% below this industry median. Based on the distribution chart, IBL Finance ranks #206 out of 386 companies in the Credit Services industry, which is below the industry midpoint. Overall, IBL Finance has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #206 out of 386 companies for Gross Margin %. This places IBL Finance in the lower half of its industry. The industry median Gross Margin % is 51.43. IBL Finance's value of 48.61% is 5.5% below this benchmark. Historically, IBL Finance's own Gross Margin % has ranged from 48.61 to 90.77 over the past decade. While the company's 10-year median is 83.65 vs. the industry median of 51.43, IBL 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 Credit Services company?
The median Gross Margin % among Credit Services companies is 51.43, based on 386 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. IBL Finance's current Gross Margin % of 48.61% is 5.5% 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 IBL Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 51.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current Gross Margin % is 48.61%, which is 42% below median its own 10-year median of 83.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBL Finance stock overvalued right now?
IBL Finance (NSE:IBLFL) has a current Gross Margin % of 48.61%. The current Gross Margin % is 48.61%, which is 42% below median its 10-year median of 83.65 and 5.5% below the Credit Services industry median of 51.43. IBL Finance's overall GF Score™ is 35/100 with 8 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 IBL Finance (NSE:IBLFL), the current Gross Margin % is 48.61% 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.
IBL Finance Ltd is a fintech-based financial services platform that leverages technology and data science to make lending quick and easy. It has a mobile application that provides instant personal loans which loan up to Rupees 50,000 with tenors of up to 12 months through an entirely digital mobile App-only process. The Company is engaged in one segment only i.e. Loan Segment. The company generates revenue from Interest Income on Loan Portfolio and Loan Processing Fees & Charges.
35GF Score
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