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Sangam FinservBOM:538714 +3.46%57 Net Margin % is 238.36% as of Mar. 2026, which is 327% above its 10-year median of 55.85. GuruFocus rates BOM:538714 with a GF Score™ of 57/100 and a GF Value™ of ₹21.31 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 537 Credit Services companies, Sangam Finserv ranks better than 52.33% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Sangam Finserv's Net Income for the
three
months ended in Mar. 2026 was ₹-54.8 Mil. Sangam Finserv's Revenue for the
three
months ended in Mar. 2026 was ₹-23.0 Mil. Therefore, Sangam Finserv's net margin for the quarter that ended in Mar. 2026 was 238.36%.
The historical rank and industry rank for Sangam Finserv's Net Margin % or its related term are showing as below:
BOM:538714'
s Net Margin % Range Over the Past 10 Years
Min: 15.87 Med: 55.85 Max: 70.37
Current: 15.87
BOM:538714's Net Margin % is ranked better than 52.33% of 537
companies
in the Credit Services industry
Industry Median: 15.07
vs BOM:538714: 15.87
Sangam Finserv (BOM:538714) 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.
Sangam Finserv Net Margin % Related Terms
Sangam Finserv Net Margin % Historical Data
* Premium members only.
The historical data trend for Sangam Finserv'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, Sangam Finserv'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.
Sangam Finserv Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sangam Finserv's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sangam Finserv'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.
Sangam Finserv (BOM:538714) has a Net Margin % of 238.36% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sangam Finserv and its competitors. This is 327% above median its historical median of 55.85. Over the past decade, Sangam Finserv's Net Margin % has ranged from 15.87 to 70.37. According to the industry distribution chart, Sangam Finserv ranks #256 out of 537 companies in the Credit Services industry, placing it in the top 47.7%.
Is Sangam Finserv's Net Margin % too high?
Sangam Finserv's current Net Margin % of 238.36% is 327% above median its 10-year median of 55.85. Over the past 10 years, this metric has ranged from a low of 15.87 to a high of 70.37. The Credit Services industry median Net Margin % is 15.07. Sangam Finserv's value of 238.36% is 1481.7% above this industry median. Based on the distribution chart, Sangam Finserv ranks #256 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Sangam Finserv has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sangam Finserv's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Sangam Finserv ranks #256 out of 537 companies for Net Margin %. This puts Sangam Finserv in the upper half of its industry. The industry median Net Margin % is 15.07. Sangam Finserv's value of 238.36% is 1481.7% above this benchmark. Historically, Sangam Finserv's own Net Margin % has ranged from 15.87 to 70.37 over the past decade. While the company's 10-year median is 55.85 vs. the industry median of 15.07, Sangam Finserv 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 15.07, based on 537 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. Sangam Finserv's current Net Margin % of 238.36% is 1481.7% 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 Sangam Finserv 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. Sangam Finserv's current Net Margin % is 238.36%, which is 327% above median its own 10-year median of 55.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sangam Finserv stock overvalued right now?
Based on GuruFocus' analysis, Sangam Finserv (BOM:538714) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹21.31, compared to a current price of ₹41.90 — trading 96.6% above its estimated fair value. The current Net Margin % is 238.36%, which is 327% above median its 10-year median of 55.85 and 1481.7% above the Credit Services industry median of 15.07. Sangam Finserv's overall GF Score™ is 57/100 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 Sangam Finserv (BOM:538714), the current Net Margin % is 238.36% 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 Sangam Finserv (BOM:538714) Overvalued in 2026?
Based on GuruFocus' analysis, Sangam Finserv stock appears to be overvalued.
The current stock price of ₹41.90 is trading 96.6% above its estimated GF Value™ of ₹21.31.
GuruFocus considers Sangam Finserv to be Significantly Overvalued.
Key valuation signals for BOM:538714:
Net Margin %: 238.36% (327% above median its 10-year median of 55.85)
GF Value™: ₹21.31 vs. price of ₹41.90 (96.6% above fair value)
Industry Position: 1481.7% above the Credit Services median (#256 of 537)
No single metric tells the full story. See the BOM:538714 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sangam Finserv Ltd is a non-banking financial company (NBFC) predominantly engaged in providing secured business loans and corporate loans. The company also offers investment products and related financial services. Its operations are mainly focused in India, serving industrial enterprises through various financing solutions. Sangam Finserv generates revenue majorly from interest income on loans and investments. The company has a background of evolving from a finance and trading company to an NBFC, with a parent group supporting its growth and strategic direction.
57GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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