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India Shelter FinanceBOM:544044 -0.12%38 Net Margin % is 37.32% as of Mar. 2026, which is 5% above its 10-year median of 35.45. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 1,525 Banks companies, India Shelter Finance ranks better than 78.56% on this metric.
The historical rank and industry rank for India Shelter Finance's Net Margin % or its related term are showing as below:
BOM:544044'
s Net Margin % Range Over the Past 10 Years
Min: 31.28 Med: 35.45 Max: 38.69
Current: 36.67
BOM:544044's Net Margin % is ranked better than 78.56% of 1525
companies
in the Banks industry
Industry Median: 27.05
vs BOM:544044: 36.67
India Shelter Finance (BOM:544044) 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 Shelter Finance Net Margin % Related Terms
India Shelter Finance Net Margin % Historical Data
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The historical data trend for India Shelter 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:544044 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, India Shelter 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.
India Shelter Finance Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where India Shelter 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.
India Shelter Finance (BOM:544044) has a Net Margin % of 37.32% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on India Shelter Finance and its competitors. This is near median its historical median of 35.45. Over the past decade, India Shelter Finance's Net Margin % has ranged from 31.28 to 38.69. According to the industry distribution chart, India Shelter Finance ranks #327 out of 1525 companies in the Banks industry, placing it in the top 21.4%.
Is India Shelter Finance's Net Margin % too high?
India Shelter Finance's current Net Margin % of 37.32% is near median its 10-year median of 35.45. Over the past 10 years, this metric has ranged from a low of 31.28 to a high of 38.69. The Banks industry median Net Margin % is 27.05. India Shelter Finance's value of 37.32% is 38% above this industry median. Based on the distribution chart, India Shelter Finance ranks #327 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #327 out of 1525 companies for Net Margin %. This places India Shelter Finance in the top 21% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.05. India Shelter Finance's value of 37.32% is 38% above this benchmark. Historically, India Shelter Finance's own Net Margin % has ranged from 31.28 to 38.69 over the past decade. While the company's 10-year median is 35.45 vs. the industry median of 27.05, India Shelter 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 Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,525 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 Shelter Finance's current Net Margin % of 37.32% is 38% 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 India Shelter 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. India Shelter Finance's current Net Margin % is 37.32%, which is near median its own 10-year median of 35.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current Net Margin % of 37.32%. The current Net Margin % is 37.32%, which is near median its 10-year median of 35.45 and 38% above the Banks industry median of 27.05. India Shelter Finance's overall GF Score™ is 38/100 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 Shelter Finance (BOM:544044), the current Net Margin % is 37.32% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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