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J.J. FinanceBOM:523062 +5.00%44 Net Margin % is 130.55% as of Mar. 2026, which is 197% above its 10-year median of 43.90. GuruFocus rates BOM:523062 with a GF Score™ of 44/100 and a GF Value™ of ₹17.13 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 535 Credit Services companies, J.J. Finance ranks worse than 83.55% on this metric.
Net margin is calculated as Net Income divided by its Revenue. J.J. Finance's Net Income for the
three
months ended in Mar. 2026 was ₹-1.91 Mil. J.J. Finance's Revenue for the
three
months ended in Mar. 2026 was ₹-1.46 Mil. Therefore, J.J. Finance's net margin for the quarter that ended in Mar. 2026 was 130.55%.
The historical rank and industry rank for J.J. Finance's Net Margin % or its related term are showing as below:
BOM:523062'
s Net Margin % Range Over the Past 10 Years
Min: -10.58 Med: 43.9 Max: 65.14
Current: -10.58
BOM:523062's Net Margin % is ranked worse than 83.55% of 535
companies
in the Credit Services industry
Industry Median: 14.74
vs BOM:523062: -10.58
J.J. Finance (BOM:523062) 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.
J.J. Finance Net Margin % Related Terms
J.J. Finance Net Margin % Historical Data
* Premium members only.
The historical data trend for J.J. 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, J.J. 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.
J.J. Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J.J. Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where J.J. 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.
J.J. Finance (BOM:523062) has a Net Margin % of 130.55% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on J.J. Finance and its competitors. This is 197% above median its historical median of 43.90. According to the industry distribution chart, J.J. Finance ranks #447 out of 535 companies in the Credit Services industry, placing it in the top 83.6%.
Is J.J. Finance's Net Margin % too high?
J.J. Finance's current Net Margin % of 130.55% is 197% above median its 10-year median of 43.90. The Credit Services industry median Net Margin % is 14.74. J.J. Finance's value of 130.55% is 785.7% above this industry median. Based on the distribution chart, J.J. Finance ranks #447 out of 535 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J.J. Finance has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does J.J. Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, J.J. Finance ranks #447 out of 535 companies for Net Margin %. This places J.J. Finance in the lower half of its industry. The industry median Net Margin % is 14.74. J.J. Finance's value of 130.55% is 785.7% above this benchmark. While the company's 10-year median is 43.90 vs. the industry median of 14.74, J.J. 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 14.74, based on 535 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. J.J. Finance's current Net Margin % of 130.55% is 785.7% 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 J.J. Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J.J. Finance's current Net Margin % is 130.55%, which is 197% above median its own 10-year median of 43.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J.J. Finance stock overvalued right now?
Based on GuruFocus' analysis, J.J. Finance (BOM:523062) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹17.13, compared to a current price of ₹60.48 — trading 253.1% above its estimated fair value. The current Net Margin % is 130.55%, which is 197% above median its 10-year median of 43.90 and 785.7% above the Credit Services industry median of 14.74. J.J. Finance's overall GF Score™ is 44/100 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 J.J. Finance (BOM:523062), the current Net Margin % is 130.55% 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 J.J. Finance (BOM:523062) Overvalued in 2026?
Based on GuruFocus' analysis, J.J. Finance stock appears to be overvalued.
The current stock price of ₹60.48 is trading 253.1% above its estimated GF Value™ of ₹17.13.
GuruFocus considers J.J. Finance to be Significantly Overvalued.
Key valuation signals for BOM:523062:
Net Margin %: 130.55% (197% above median its 10-year median of 43.90)
GF Value™: ₹17.13 vs. price of ₹60.48 (253.1% above fair value)
Industry Position: 785.7% above the Credit Services median (#447 of 535)
No single metric tells the full story. See the BOM:523062 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
J.J. Finance Corp Ltd is a Non-Banking Finance Company. Its main businesses are Electricity Generation, Leasing and Hire purchase, Finance, Real Estate, Investments, and dealing in Shares and Securities. The Company is engaged in investment activities and other financial services, which is the only reportable segment. The company generates revenue from Interest, Dividends, and Profit on the Sale of investments.
44GF Score
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