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SRG Housing FinanceBOM:534680 -5.19%76 Net Margin % is 16.82% as of Mar. 2026, which is 27% below its 10-year median of 22.96. GuruFocus rates BOM:534680 with a GF Score™ of 76/100 and a GF Value™ of ₹438.35 (Possible Value Trap). The stock has 10 warning signs investors should review. Among 1,526 Banks companies, SRG Housing Finance ranks worse than 76.61% on this metric.
The historical rank and industry rank for SRG Housing Finance's Net Margin % or its related term are showing as below:
BOM:534680'
s Net Margin % Range Over the Past 10 Years
Min: 17.08 Med: 22.96 Max: 27.98
Current: 17.45
BOM:534680's Net Margin % is ranked worse than 76.61% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs BOM:534680: 17.45
SRG Housing Finance (BOM:534680) 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.
SRG Housing Finance Net Margin % Related Terms
SRG Housing Finance Net Margin % Historical Data
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The historical data trend for SRG Housing 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.
BOM:534680 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, SRG Housing 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.
SRG Housing Finance Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SRG Housing Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where SRG Housing 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.
SRG Housing Finance (BOM:534680) has a Net Margin % of 16.82% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SRG Housing Finance and its competitors. This is 27% below median its historical median of 22.96. Over the past decade, SRG Housing Finance's Net Margin % has ranged from 17.08 to 27.98. According to the industry distribution chart, SRG Housing Finance ranks #1169 out of 1526 companies in the Banks industry, placing it in the top 76.6%.
Is SRG Housing Finance's Net Margin % too high?
SRG Housing Finance's current Net Margin % of 16.82% is 27% below median its 10-year median of 22.96. Over the past 10 years, this metric has ranged from a low of 17.08 to a high of 27.98. The Banks industry median Net Margin % is 27.05. SRG Housing Finance's value of 16.82% is 37.8% below this industry median. Based on the distribution chart, SRG Housing Finance ranks #1169 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SRG Housing Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SRG Housing Finance's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, SRG Housing Finance ranks #1169 out of 1526 companies for Net Margin %. This places SRG Housing Finance in the lower half of its industry. The industry median Net Margin % is 27.05. SRG Housing Finance's value of 16.82% is 37.8% below this benchmark. Historically, SRG Housing Finance's own Net Margin % has ranged from 17.08 to 27.98 over the past decade. While the company's 10-year median is 22.96 vs. the industry median of 27.05, SRG Housing Finance 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. SRG Housing Finance's current Net Margin % of 16.82% is 37.8% 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 SRG Housing Finance 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. SRG Housing Finance's current Net Margin % is 16.82%, which is 27% below median its own 10-year median of 22.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SRG Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, SRG Housing Finance (BOM:534680) is currently considered Possible Value Trap. The stock's GF Value™ is ₹438.35, compared to a current price of ₹296.75 — trading 32.3% below its estimated fair value. The current Net Margin % is 16.82%, which is 27% below median its 10-year median of 22.96 and 37.8% below the Banks industry median of 27.05. SRG Housing Finance's overall GF Score™ is 76/100 with 10 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 SRG Housing Finance (BOM:534680), the current Net Margin % is 16.82% 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 SRG Housing Finance (BOM:534680) Overvalued in 2026?
Based on GuruFocus' analysis, SRG Housing Finance stock appears to be undervalued.
The current stock price of ₹296.75 is trading 32.3% below its estimated GF Value™ of ₹438.35.
GuruFocus considers SRG Housing Finance to be Possible Value Trap.
Key valuation signals for BOM:534680:
Net Margin %: 16.82% (27% below median its 10-year median of 22.96)
GF Value™: ₹438.35 vs. price of ₹296.75 (32.3% below fair value)
Industry Position: 37.8% below the Banks median (#1169 of 1526)
No single metric tells the full story. See the BOM:534680 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SRG Housing Finance Ltd is an India-based housing finance company. The company is principally engaged in the housing and mortgage finance business. The company offers home loans for construction, additions, alterations, and repair and renovation purposes. The products and services offered by the company include individual home loans; loans against the property; and builder, project loans. Geographically, it operates within the regions of India.
76GF Score
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