Usha Financial ServicesNSE:USHAFIN 12 Gross Margin % is 57.80% as of Mar. 2026, which is 9% above its 10-year median of 52.82. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 387 Credit Services companies, Usha Financial Services ranks better than 56.07% on this metric.
NSE:USHAFIN's Gross Margin % is ranked better than 56.07% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs NSE:USHAFIN: 57.83
Usha Financial Services had a gross margin of 57.80% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Usha Financial Services 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
Usha Financial Services had a gross margin of 57.80% 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.
Usha Financial Services Gross Margin % Related Terms
Usha 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.
NSE:USHAFIN vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Usha 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.
Usha Financial Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Usha 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.
Usha Financial Services (NSE:USHAFIN) has a Gross Margin % of 57.80% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Usha Financial Services and its competitors. This is near median its historical median of 52.82. Over the past decade, Usha Financial Services' Gross Margin % has ranged from 47.34 to 57.83. According to the industry distribution chart, Usha Financial Services ranks #170 out of 387 companies in the Credit Services industry, placing it in the top 43.9%.
Is Usha Financial Services' Gross Margin % too high?
Usha Financial Services' current Gross Margin % of 57.80% is near median its 10-year median of 52.82. Over the past 10 years, this metric has ranged from a low of 47.34 to a high of 57.83. The Credit Services industry median Gross Margin % is 51.88. Usha Financial Services' value of 57.80% is 11.4% above this industry median. Based on the distribution chart, Usha Financial Services ranks #170 out of 387 companies in the Credit Services industry, which is above the industry midpoint. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #170 out of 387 companies for Gross Margin %. This puts Usha Financial Services in the upper half of its industry. The industry median Gross Margin % is 51.88. Usha Financial Services' value of 57.80% is 11.4% above this benchmark. Historically, Usha Financial Services' own Gross Margin % has ranged from 47.34 to 57.83 over the past decade. While the company's 10-year median is 52.82 vs. the industry median of 51.88, Usha 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 51.88, 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. Usha Financial Services's current Gross Margin % of 57.80% is 11.4% 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 Usha Financial Services 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. Usha Financial Services's current Gross Margin % is 57.80%, which is near median its own 10-year median of 52.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current Gross Margin % of 57.80%. The current Gross Margin % is 57.80%, which is near median its 10-year median of 52.82 and 11.4% above the Credit Services industry median of 51.88. Usha Financial Services' overall GF Score™ is 12/100 with 3 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 Usha Financial Services (NSE:USHAFIN), the current Gross Margin % is 57.80% 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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