Sahara HousingfinaBOM:511533 +19.99%62 Net Margin % is 3.99% as of Mar. 2026, which is 75% below its 10-year median of 15.87. GuruFocus rates BOM:511533 with a GF Score™ of 62/100 and a GF Value™ of ₹36.12 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Sahara Housingfina ranks worse than 92.74% on this metric.
The historical rank and industry rank for Sahara Housingfina's Net Margin % or its related term are showing as below:
BOM:511533'
s Net Margin % Range Over the Past 10 Years
Min: 4.83 Med: 15.87 Max: 20.94
Current: 4.83
BOM:511533's Net Margin % is ranked worse than 92.74% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs BOM:511533: 4.83
Sahara Housingfina (BOM:511533) 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.
Sahara Housingfina Net Margin % Related Terms
Sahara Housingfina Net Margin % Historical Data
* Premium members only.
The historical data trend for Sahara Housingfina'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.
BOM:511533 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina'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.
Sahara Housingfina (BOM:511533) has a Net Margin % of 3.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sahara Housingfina and its competitors. This is 75% below median its historical median of 15.87. Over the past decade, Sahara Housingfina's Net Margin % has ranged from 4.83 to 20.94. According to the industry distribution chart, Sahara Housingfina ranks #1417 out of 1528 companies in the Banks industry, placing it in the top 92.7%.
Is Sahara Housingfina's Net Margin % too high?
Sahara Housingfina's current Net Margin % of 3.99% is 75% below median its 10-year median of 15.87. Over the past 10 years, this metric has ranged from a low of 4.83 to a high of 20.94. The Banks industry median Net Margin % is 26.85. Sahara Housingfina's value of 3.99% is 85.1% below this industry median. Based on the distribution chart, Sahara Housingfina ranks #1417 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sahara Housingfina has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #1417 out of 1528 companies for Net Margin %. This places Sahara Housingfina in the lower half of its industry. The industry median Net Margin % is 26.85. Sahara Housingfina's value of 3.99% is 85.1% below this benchmark. Historically, Sahara Housingfina's own Net Margin % has ranged from 4.83 to 20.94 over the past decade. While the company's 10-year median is 15.87 vs. the industry median of 26.85, Sahara Housingfina 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 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. Sahara Housingfina's current Net Margin % of 3.99% is 85.1% 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 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 Sahara Housingfina and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sahara Housingfina's current Net Margin % is 3.99%, which is 75% below median its own 10-year median of 15.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹36.12, compared to a current price of ₹45.62 — trading 26.3% above its estimated fair value. The current Net Margin % is 3.99%, which is 75% below median its 10-year median of 15.87 and 85.1% below the Banks industry median of 26.85. Sahara Housingfina's overall GF Score™ is 62/100 with 6 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 Sahara Housingfina (BOM:511533), the current Net Margin % is 3.99% 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹45.62 is trading 26.3% above its estimated GF Value™ of ₹36.12.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
Net Margin %: 3.99% (75% below median its 10-year median of 15.87)
GF Value™: ₹36.12 vs. price of ₹45.62 (26.3% above fair value)
Industry Position: 85.1% below the Banks median (#1417 of 1528)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
62GF Score
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