Dharani FinanceBOM:511451 +4.99%75 Net Margin % is 39.86% as of Mar. 2026, which is 403% above its 10-year median of 7.93. GuruFocus rates BOM:511451 with a GF Score™ of 75/100 and a GF Value™ of ₹16.27 (Fairly Valued). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, Dharani Finance ranks better than 82.77% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Dharani Finance's Net Income for the
three
months ended in Mar. 2026 was ₹1.32 Mil. Dharani Finance's Revenue for the
three
months ended in Mar. 2026 was ₹3.32 Mil. Therefore, Dharani Finance's net margin for the quarter that ended in Mar. 2026 was 39.86%.
The historical rank and industry rank for Dharani Finance's Net Margin % or its related term are showing as below:
BOM:511451'
s Net Margin % Range Over the Past 10 Years
Min: -77.57 Med: 7.93 Max: 78.34
Current: 42.45
BOM:511451's Net Margin % is ranked better than 82.77% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs BOM:511451: 42.45
Dharani Finance (BOM:511451) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Dharani Finance Net Margin % Related Terms
Dharani Finance Net Margin % Historical Data
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The historical data trend for Dharani Finance's Net 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.
For the Credit Services subindustry, Dharani Finance's Net Margin %, along with its competitors' market caps and Net 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.
Dharani Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dharani Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Dharani Finance's Net 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.
Dharani Finance (BOM:511451) has a Net Margin % of 39.86% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Dharani Finance and its competitors. This is 403% above median its historical median of 7.93. According to the industry distribution chart, Dharani Finance ranks #92 out of 534 companies in the Credit Services industry, placing it in the top 17.2%.
Is Dharani Finance's Net Margin % too high?
Dharani Finance's current Net Margin % of 39.86% is 403% above median its 10-year median of 7.93. The Credit Services industry median Net Margin % is 14.52. Dharani Finance's value of 39.86% is 174.5% above this industry median. Based on the distribution chart, Dharani Finance ranks #92 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Dharani Finance has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dharani Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Dharani Finance ranks #92 out of 534 companies for Net Margin %. This places Dharani Finance in the top 17% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.52. Dharani Finance's value of 39.86% is 174.5% above this benchmark. While the company's 10-year median is 7.93 vs. the industry median of 14.52, Dharani Finance 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dharani Finance's current Net Margin % of 39.86% is 174.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Dharani Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dharani Finance's current Net Margin % is 39.86%, which is 403% above median its own 10-year median of 7.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dharani Finance stock overvalued right now?
Based on GuruFocus' analysis, Dharani Finance (BOM:511451) is currently considered Fairly Valued. The stock's GF Value™ is ₹16.27, compared to a current price of ₹14.73 — trading 9.5% below its estimated fair value. The current Net Margin % is 39.86%, which is 403% above median its 10-year median of 7.93 and 174.5% above the Credit Services industry median of 14.52. Dharani Finance's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Dharani Finance (BOM:511451), the current Net Margin % is 39.86% 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 Dharani Finance (BOM:511451) Overvalued in 2026?
Based on GuruFocus' analysis, Dharani Finance stock appears to be undervalued.
The current stock price of ₹14.73 is trading 9.5% below its estimated GF Value™ of ₹16.27.
GuruFocus considers Dharani Finance to be Fairly Valued.
Key valuation signals for BOM:511451:
Net Margin %: 39.86% (403% above median its 10-year median of 7.93)
GF Value™: ₹16.27 vs. price of ₹14.73 (9.5% below fair value)
Industry Position: 174.5% above the Credit Services median (#92 of 534)
No single metric tells the full story. See the BOM:511451 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dharani Finance Ltd is an Indian non-banking financial company (NBFC) engaged in providing financial services such as hire purchase finance, lease finance, and bill discounting. Dharani Finance caters to industrial and commercial enterprises. Company operates in single segment of NBFC activities. The company is also licensed by the Reserve Bank of India for foreign exchange money changing operations and has diversified activities including investment planning, tax consulting, and travel agency services. Majority of its revenue is generated from its core financial services business in hire purchase and leasing.
75GF Score
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