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Piramal FinanceNSE:PIRAMALFIN +0.27%26 Gross Margin % is 29.68% as of Mar. 2026, which is 20% above its 10-year median of 24.66. GuruFocus rates NSE:PIRAMALFIN with a GF Score™ of 26/100. The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Piramal Finance ranks worse than 77.26% on this metric.
The historical rank and industry rank for Piramal Finance's Gross Margin % or its related term are showing as below:
NSE:PIRAMALFIN'
s Gross Margin % Range Over the Past 10 Years
Min: 22.52 Med: 24.66 Max: 38.31
Current: 26.43
During the past 5 years, the highestGross Margin % of Piramal Finance was 38.31%. The lowest was 22.52%. And the median was 24.66%.
NSE:PIRAMALFIN's Gross Margin % is ranked worse than 77.26% of 387
companies
in the Credit Services industry
Industry Median: 51.81
vs NSE:PIRAMALFIN: 26.43
Piramal Finance had a gross margin of 29.68% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for Piramal Finance was 0.00% per year.
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
Piramal Finance had a gross margin of 29.68% 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.
Piramal Finance Gross Margin % Related Terms
Piramal Finance Gross Margin % Historical Data
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The historical data trend for Piramal 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:PIRAMALFIN vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Piramal 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.
Piramal Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Piramal Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Piramal 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.
Piramal Finance (NSE:PIRAMALFIN) has a Gross Margin % of 29.68% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Piramal Finance and its competitors. This is 20% above median its historical median of 24.66. Over the past decade, Piramal Finance's Gross Margin % has ranged from 22.52 to 38.31. According to the industry distribution chart, Piramal Finance ranks #299 out of 387 companies in the Credit Services industry, placing it in the top 77.3%.
Is Piramal Finance's Gross Margin % too high?
Piramal Finance's current Gross Margin % of 29.68% is 20% above median its 10-year median of 24.66. Over the past 10 years, this metric has ranged from a low of 22.52 to a high of 38.31. The Credit Services industry median Gross Margin % is 51.81. Piramal Finance's value of 29.68% is 42.7% below this industry median. Based on the distribution chart, Piramal Finance ranks #299 out of 387 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Piramal Finance has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Piramal Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Piramal Finance ranks #299 out of 387 companies for Gross Margin %. This places Piramal Finance in the lower half of its industry. The industry median Gross Margin % is 51.81. Piramal Finance's value of 29.68% is 42.7% below this benchmark. Historically, Piramal Finance's own Gross Margin % has ranged from 22.52 to 38.31 over the past decade. While the company's 10-year median is 24.66 vs. the industry median of 51.81, Piramal 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 51.81, 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. Piramal Finance's current Gross Margin % of 29.68% is 42.7% 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 Piramal Finance 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. Piramal Finance's current Gross Margin % is 29.68%, which is 20% above median its own 10-year median of 24.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Piramal Finance stock overvalued right now?
Piramal Finance (NSE:PIRAMALFIN) has a current Gross Margin % of 29.68%. The current Gross Margin % is 29.68%, which is 20% above median its 10-year median of 24.66 and 42.7% below the Credit Services industry median of 51.81. Piramal Finance's overall GF Score™ is 26/100 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 Piramal Finance (NSE:PIRAMALFIN), the current Gross Margin % is 29.68% 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.
Piramal Finance Ltd main business is providing loans to customers for construction or purchase of residential property, loans against property, loans to real estate developers, loans to SMEs, Consumption loans, etc. Its loan products are Home Loan, Construction Loan, Renovation Loan, Extension Loan, Business Loans, Loan Against Property, Small Business Loan, Working Capital Loan, Personal Loan, Used Car Loan, Group Loan, Loan Against Securities, Loan Against Car, Insurance Services, Interest Rates & Disclosures, Wholesale Lending, Alternatives, etc. The company's business segments are Retail Lending, Wholesale Lending, Alternatives, and Life Insurance. The Company has identified only one reportable business segment & geographical segment as it deals mainly in lending business within India.
26GF Score
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