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Aadhar Housing FinanceBOM:544176 -0.69%36 Net Margin % is 30.13% as of Jun. 2026, which is 1% below its 10-year median of 30.40. GuruFocus rates BOM:544176 with a GF Score™ of 36/100. The stock has 6 warning signs investors should review. Among 1,522 Banks companies, Aadhar Housing Finance ranks better than 65.37% on this metric.
Aadhar Housing Finance (BOM:544176) 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.
Aadhar Housing Finance Net Margin % Related Terms
Aadhar Housing Finance Net Margin % Historical Data
* 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:544176 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, Aadhar 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.
Aadhar Housing Finance Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Aadhar 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.
Aadhar Housing Finance (BOM:544176) has a Net Margin % of 30.13% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Aadhar Housing Finance and its competitors. This is near median its historical median of 30.40. Over the past decade, Aadhar Housing Finance's Net Margin % has ranged from 22.63 to 32.35. According to the industry distribution chart, Aadhar Housing Finance ranks #527 out of 1522 companies in the Banks industry, placing it in the top 34.6%.
Is Aadhar Housing Finance's Net Margin % too high?
Aadhar Housing Finance's current Net Margin % of 30.13% is near median its 10-year median of 30.40. Over the past 10 years, this metric has ranged from a low of 22.63 to a high of 32.35. The Banks industry median Net Margin % is 27.39. Aadhar Housing Finance's value of 30.13% is 10% above this industry median. Based on the distribution chart, Aadhar Housing Finance ranks #527 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Aadhar Housing Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #527 out of 1522 companies for Net Margin %. This puts Aadhar Housing Finance in the upper half of its industry. The industry median Net Margin % is 27.39. Aadhar Housing Finance's value of 30.13% is 10% above this benchmark. Historically, Aadhar Housing Finance's own Net Margin % has ranged from 22.63 to 32.35 over the past decade. While the company's 10-year median is 30.40 vs. the industry median of 27.39, Aadhar Housing 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 27.39, based on 1,522 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. Aadhar Housing Finance's current Net Margin % of 30.13% is 10% 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 Aadhar Housing Finance and its competitors. For the Banks industry, the median Net Margin % is 27.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current Net Margin % is 30.13%, which is near median its own 10-year median of 30.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current Net Margin % of 30.13%. The current Net Margin % is 30.13%, which is near median its 10-year median of 30.40 and 10% above the Banks industry median of 27.39. Aadhar Housing Finance's overall GF Score™ is 36/100 with 6 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 Aadhar Housing Finance (BOM:544176), the current Net Margin % is 30.13% as of Jun. 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.
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
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