PTC India Financial ServicesNSE:PFS +0.20%73 Gross Margin % is 55.37% as of Mar. 2026, which is 40% above its 10-year median of 39.52. GuruFocus rates NSE:PFS with a GF Score™ of 73/100 and a GF Value™ of ₹27.13 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 388 Credit Services companies, PTC India Financial Services ranks worse than 52.06% on this metric.
PTC India Financial Services (NSE:PFS) 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
PTC India Financial Services had a gross margin of 55.37% 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.
PTC India Financial Services Gross Margin % Related Terms
PTC India 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.
For the Credit Services subindustry, PTC India 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.
PTC India Financial Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PTC India Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where PTC India 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.
PTC India Financial Services (NSE:PFS) has a Gross Margin % of 55.37% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on PTC India Financial Services and its competitors. This is 40% above median its historical median of 39.52. Over the past decade, PTC India Financial Services' Gross Margin % has ranged from 29.22 to 52.48. According to the industry distribution chart, PTC India Financial Services ranks #202 out of 388 companies in the Credit Services industry, placing it in the top 52.1%.
Is PTC India Financial Services' Gross Margin % too high?
PTC India Financial Services' current Gross Margin % of 55.37% is 40% above median its 10-year median of 39.52. Over the past 10 years, this metric has ranged from a low of 29.22 to a high of 52.48. The Credit Services industry median Gross Margin % is 51.85. PTC India Financial Services' value of 55.37% is 6.8% above this industry median. Based on the distribution chart, PTC India Financial Services ranks #202 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, PTC India Financial Services has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PTC India Financial Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PTC India Financial Services ranks #202 out of 388 companies for Gross Margin %. This places PTC India Financial Services in the lower half of its industry. The industry median Gross Margin % is 51.85. PTC India Financial Services' value of 55.37% is 6.8% above this benchmark. Historically, PTC India Financial Services' own Gross Margin % has ranged from 29.22 to 52.48 over the past decade. While the company's 10-year median is 39.52 vs. the industry median of 51.85, PTC India 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 51.85, based on 388 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. PTC India Financial Services's current Gross Margin % of 55.37% is 6.8% 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 PTC India Financial Services and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PTC India Financial Services's current Gross Margin % is 55.37%, which is 40% above median its own 10-year median of 39.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PTC India Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PTC India Financial Services (NSE:PFS) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹27.13, compared to a current price of ₹30.65 — trading 13% above its estimated fair value. The current Gross Margin % is 55.37%, which is 40% above median its 10-year median of 39.52 and 6.8% above the Credit Services industry median of 51.85. PTC India Financial Services' overall GF Score™ is 73/100 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 PTC India Financial Services (NSE:PFS), the current Gross Margin % is 55.37% 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 PTC India Financial Services (NSE:PFS) Overvalued in 2026?
Based on GuruFocus' analysis, PTC India Financial Services stock appears to be overvalued.
The current stock price of ₹30.65 is trading 13% above its estimated GF Value™ of ₹27.13.
GuruFocus considers PTC India Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:PFS:
Gross Margin %: 55.37% (40% above median its 10-year median of 39.52)
GF Value™: ₹27.13 vs. price of ₹30.65 (13% above fair value)
Industry Position: 6.8% above the Credit Services median (#202 of 388)
No single metric tells the full story. See the NSE:PFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PTC India Financial Services Ltd provides total financial services to the entities in the energy value chain, which inter alia includes investing in equity and extending debt to power projects in generation, transmission, distribution, fuel sources, fuel-related infrastructures like gas pipelines, LNG terminals, ports, equipment manufacturers, and EPC contractors. The company also provides non-fund-based financial services, adding value to greenfield and brownfield projects at various stages of growth and development. The company is an India-based Non-Banking Financial company.
73GF Score
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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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