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Vani CommercialsBOM:538918 -3.30%47 Net Margin % is 22.55% as of Dec. 2025, which is 402% above its 10-year median of 4.49. GuruFocus rates BOM:538918 with a GF Score™ of 47/100 and a GF Value™ of ₹11.09 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 537 Credit Services companies, Vani Commercials ranks better than 64.8% on this metric.
Vani Commercials (BOM:538918) 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.
Vani Commercials Net Margin % Related Terms
Vani Commercials Net Margin % Historical Data
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The historical data trend for Vani Commercials'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, Vani Commercials'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.
Vani Commercials Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vani Commercials's Net Margin % distribution charts can be found below:
* The bar in red indicates where Vani Commercials'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.
Vani Commercials (BOM:538918) has a Net Margin % of 22.55% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Vani Commercials and its competitors. This is 402% above median its historical median of 4.49. Over the past decade, Vani Commercials' Net Margin % has ranged from 0.64 to 23.31. According to the industry distribution chart, Vani Commercials ranks #189 out of 537 companies in the Credit Services industry, placing it in the top 35.2%.
Is Vani Commercials' Net Margin % too high?
Vani Commercials' current Net Margin % of 22.55% is 402% above median its 10-year median of 4.49. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 23.31. The Credit Services industry median Net Margin % is 15.07. Vani Commercials' value of 22.55% is 49.6% above this industry median. Based on the distribution chart, Vani Commercials ranks #189 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Vani Commercials has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vani Commercials' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Vani Commercials ranks #189 out of 537 companies for Net Margin %. This puts Vani Commercials in the upper half of its industry. The industry median Net Margin % is 15.07. Vani Commercials' value of 22.55% is 49.6% above this benchmark. Historically, Vani Commercials' own Net Margin % has ranged from 0.64 to 23.31 over the past decade. While the company's 10-year median is 4.49 vs. the industry median of 15.07, Vani Commercials 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. Vani Commercials's current Net Margin % of 22.55% is 49.6% 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 Vani Commercials 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. Vani Commercials's current Net Margin % is 22.55%, which is 402% above median its own 10-year median of 4.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vani Commercials stock overvalued right now?
Based on GuruFocus' analysis, Vani Commercials (BOM:538918) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹11.09, compared to a current price of ₹7.91 — trading 28.7% below its estimated fair value. The current Net Margin % is 22.55%, which is 402% above median its 10-year median of 4.49 and 49.6% above the Credit Services industry median of 15.07. Vani Commercials' overall GF Score™ is 47/100 with 3 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 Vani Commercials (BOM:538918), the current Net Margin % is 22.55% as of Dec. 2025. 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 Vani Commercials (BOM:538918) Overvalued in 2026?
Based on GuruFocus' analysis, Vani Commercials stock appears to be undervalued.
The current stock price of ₹7.91 is trading 28.7% below its estimated GF Value™ of ₹11.09.
GuruFocus considers Vani Commercials to be Modestly Undervalued.
Key valuation signals for BOM:538918:
Net Margin %: 22.55% (402% above median its 10-year median of 4.49)
GF Value™: ₹11.09 vs. price of ₹7.91 (28.7% below fair value)
Industry Position: 49.6% above the Credit Services median (#189 of 537)
No single metric tells the full story. See the BOM:538918 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vani Commercials Ltd is an India-based non-banking finance company. Its product includes loans for the purchase of equipment and machinery, working capital loans, loans for business or capacity expansion, term loans against property, loans for the purchase of commercial property, and lease rental discounting. The company offers its lending services to Micro, Small, and Medium Enterprises. It derives key revenue from the Interest income.
47GF Score
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