Shalibhadra FinanceBOM:511754 +3.49%61 Net Margin % is 46.76% as of Mar. 2026, which is 61% above its 10-year median of 29.10. GuruFocus rates BOM:511754 with a GF Score™ of 61/100 and a GF Value™ of ₹144.26 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Shalibhadra Finance ranks better than 86.33% on this metric.
The historical rank and industry rank for Shalibhadra Finance's Net Margin % or its related term are showing as below:
BOM:511754'
s Net Margin % Range Over the Past 10 Years
Min: 17.05 Med: 29.1 Max: 47.45
Current: 47.45
BOM:511754's Net Margin % is ranked better than 86.33% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs BOM:511754: 47.45
Shalibhadra Finance (BOM:511754) 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.
Shalibhadra Finance Net Margin % Related Terms
Shalibhadra Finance Net Margin % Historical Data
* Premium members only.
The historical data trend for Shalibhadra 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, Shalibhadra 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.
Shalibhadra Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Shalibhadra Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shalibhadra 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.
Shalibhadra Finance (BOM:511754) has a Net Margin % of 46.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shalibhadra Finance and its competitors. This is 61% above median its historical median of 29.10. Over the past decade, Shalibhadra Finance's Net Margin % has ranged from 17.05 to 47.45. According to the industry distribution chart, Shalibhadra Finance ranks #73 out of 534 companies in the Credit Services industry, placing it in the top 13.7%.
Is Shalibhadra Finance's Net Margin % too high?
Shalibhadra Finance's current Net Margin % of 46.76% is 61% above median its 10-year median of 29.10. Over the past 10 years, this metric has ranged from a low of 17.05 to a high of 47.45. The Credit Services industry median Net Margin % is 14.52. Shalibhadra Finance's value of 46.76% is 222% above this industry median. Based on the distribution chart, Shalibhadra Finance ranks #73 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Shalibhadra Finance has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Shalibhadra Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Shalibhadra Finance ranks #73 out of 534 companies for Net Margin %. This places Shalibhadra Finance in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.52. Shalibhadra Finance's value of 46.76% is 222% above this benchmark. Historically, Shalibhadra Finance's own Net Margin % has ranged from 17.05 to 47.45 over the past decade. While the company's 10-year median is 29.10 vs. the industry median of 14.52, Shalibhadra 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. Shalibhadra Finance's current Net Margin % of 46.76% is 222% 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 Shalibhadra 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. Shalibhadra Finance's current Net Margin % is 46.76%, which is 61% above median its own 10-year median of 29.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shalibhadra Finance stock overvalued right now?
Based on GuruFocus' analysis, Shalibhadra Finance (BOM:511754) is currently considered Possible Value Trap. The stock's GF Value™ is ₹144.26, compared to a current price of ₹80.29 — trading 44.3% below its estimated fair value. The current Net Margin % is 46.76%, which is 61% above median its 10-year median of 29.10 and 222% above the Credit Services industry median of 14.52. Shalibhadra Finance's overall GF Score™ is 61/100 with 3 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 Shalibhadra Finance (BOM:511754), the current Net Margin % is 46.76% 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 Shalibhadra Finance (BOM:511754) Overvalued in 2026?
Based on GuruFocus' analysis, Shalibhadra Finance stock appears to be undervalued.
The current stock price of ₹80.29 is trading 44.3% below its estimated GF Value™ of ₹144.26.
GuruFocus considers Shalibhadra Finance to be Possible Value Trap.
Key valuation signals for BOM:511754:
Net Margin %: 46.76% (61% above median its 10-year median of 29.10)
GF Value™: ₹144.26 vs. price of ₹80.29 (44.3% below fair value)
Industry Position: 222% above the Credit Services median (#73 of 534)
No single metric tells the full story. See the BOM:511754 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shalibhadra Finance Ltd is an Indian asset finance company engaged in financing and investment activities. The firm is focused on rural, semi-urban and other underbanked geographies in Gujarat, Maharashtra and Madhya Pradesh, India. It offers a wide range of customized retail products such as financing two-wheelers, auto rickshaw, cars, and consumer durables.
61GF Score
Get the complete analysis for BOM:511754
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:511754 has been successfully added to your 
