Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
India Home LoanBOM:530979 +1.63%59 Net Margin % is 0.11% as of Mar. 2026, which is 98% below its 10-year median of 4.77. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, India Home Loan ranks worse than 95.54% on this metric.
Net margin is calculated as Net Income divided by its Revenue. India Home Loan's Net Income for the
three
months ended in Mar. 2026 was ₹0.0 Mil. India Home Loan's Revenue for the
three
months ended in Mar. 2026 was ₹37.0 Mil. Therefore, India Home Loan's net margin for the quarter that ended in Mar. 2026 was 0.11%.
The historical rank and industry rank for India Home Loan's Net Margin % or its related term are showing as below:
BOM:530979'
s Net Margin % Range Over the Past 10 Years
Min: -28.92 Med: 4.77 Max: 18.09
Current: 0.65
BOM:530979's Net Margin % is ranked worse than 95.54% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs BOM:530979: 0.65
India Home Loan (BOM:530979) 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.
India Home Loan Net Margin % Related Terms
India Home Loan Net Margin % Historical Data
* Premium members only.
The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Net Margin % distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan (BOM:530979) has a Net Margin % of 0.11% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on India Home Loan and its competitors. This is 98% below median its historical median of 4.77. According to the industry distribution chart, India Home Loan ranks #1458 out of 1526 companies in the Banks industry, placing it in the top 95.5%.
Is India Home Loan's Net Margin % too high?
India Home Loan's current Net Margin % of 0.11% is 98% below median its 10-year median of 4.77. The Banks industry median Net Margin % is 27.05. India Home Loan's value of 0.11% is 99.6% below this industry median. Based on the distribution chart, India Home Loan ranks #1458 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #1458 out of 1526 companies for Net Margin %. This places India Home Loan in the lower half of its industry. The industry median Net Margin % is 27.05. India Home Loan's value of 0.11% is 99.6% below this benchmark. While the company's 10-year median is 4.77 vs. the industry median of 27.05, India Home Loan 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 27.05, based on 1,526 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. India Home Loan's current Net Margin % of 0.11% is 99.6% 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 India Home Loan and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Net Margin % is 0.11%, which is 98% below median its own 10-year median of 4.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current Net Margin % is 0.11%, which is 98% below median its 10-year median of 4.77 and 99.6% below the Banks industry median of 27.05. India Home Loan's overall GF Score™ is 59/100 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 India Home Loan (BOM:530979), the current Net Margin % is 0.11% 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Net Margin %: 0.11% (98% below median its 10-year median of 4.77)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
Industry Position: 99.6% below the Banks median (#1458 of 1526)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
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:530979 has been successfully added to your 
