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Dhansafal FinserveBOM:512048 +1.67%57 Net Margin % is 13.73% as of Mar. 2026, which is 42% below its 10-year median of 23.77. GuruFocus rates BOM:512048 with a GF Score™ of 57/100 and a GF Value™ of ₹10.92 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 536 Credit Services companies, Dhansafal Finserve ranks worse than 68.66% on this metric.
Dhansafal Finserve (BOM:512048) 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.
Dhansafal Finserve Net Margin % Related Terms
Dhansafal Finserve Net Margin % Historical Data
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The historical data trend for Dhansafal Finserve'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, Dhansafal Finserve'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.
Dhansafal Finserve Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhansafal Finserve's Net Margin % distribution charts can be found below:
* The bar in red indicates where Dhansafal Finserve'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.
Dhansafal Finserve (BOM:512048) has a Net Margin % of 13.73% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Dhansafal Finserve and its competitors. This is 42% below median its historical median of 23.77. According to the industry distribution chart, Dhansafal Finserve ranks #368 out of 536 companies in the Credit Services industry, placing it in the top 68.7%.
Is Dhansafal Finserve's Net Margin % too high?
Dhansafal Finserve's current Net Margin % of 13.73% is 42% below median its 10-year median of 23.77. The Credit Services industry median Net Margin % is 15.07. Dhansafal Finserve's value of 13.73% is 8.9% below this industry median. Based on the distribution chart, Dhansafal Finserve ranks #368 out of 536 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dhansafal Finserve has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhansafal Finserve's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Dhansafal Finserve ranks #368 out of 536 companies for Net Margin %. This places Dhansafal Finserve in the lower half of its industry. The industry median Net Margin % is 15.07. Dhansafal Finserve's value of 13.73% is 8.9% below this benchmark. While the company's 10-year median is 23.77 vs. the industry median of 15.07, Dhansafal Finserve 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 Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 536 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. Dhansafal Finserve's current Net Margin % of 13.73% is 8.9% 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 Dhansafal Finserve and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhansafal Finserve's current Net Margin % is 13.73%, which is 42% below median its own 10-year median of 23.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhansafal Finserve stock overvalued right now?
Based on GuruFocus' analysis, Dhansafal Finserve (BOM:512048) is currently considered Possible Value Trap. The stock's GF Value™ is ₹10.92, compared to a current price of ₹2.43 — trading 77.7% below its estimated fair value. The current Net Margin % is 13.73%, which is 42% below median its 10-year median of 23.77 and 8.9% below the Credit Services industry median of 15.07. Dhansafal Finserve's overall GF Score™ is 57/100 with 7 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 Dhansafal Finserve (BOM:512048), the current Net Margin % is 13.73% 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 Dhansafal Finserve (BOM:512048) Overvalued in 2026?
Based on GuruFocus' analysis, Dhansafal Finserve stock appears to be undervalued.
The current stock price of ₹2.43 is trading 77.7% below its estimated GF Value™ of ₹10.92.
GuruFocus considers Dhansafal Finserve to be Possible Value Trap.
Key valuation signals for BOM:512048:
Net Margin %: 13.73% (42% below median its 10-year median of 23.77)
GF Value™: ₹10.92 vs. price of ₹2.43 (77.7% below fair value)
Industry Position: 8.9% below the Credit Services median (#368 of 536)
No single metric tells the full story. See the BOM:512048 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhansafal Finserve Ltd operates as a non-banking financial company focused on providing retail and mortgage-based financial services in India. The company offers various loan products including loans against property, personal loans, auto and home loans, trade financing, and loans against shares and securities. It aims to simplify credit access, particularly in semi-urban and underserved markets, through flexible financing solutions. Revenue is generated through interest income on loans and lending services targeted at commercial, industrial, and financial clients.
57GF Score
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