Piramal FinanceBOM:544597 +1.93%26 Net Margin % is 16.75% as of Mar. 2026, which is 195% above its 10-year median of 5.67. GuruFocus rates BOM:544597 with a GF Score™ of 26/100. The stock has 4 warning signs investors should review. Among 531 Credit Services companies, Piramal Finance ranks worse than 54.99% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Piramal Finance's Net Income for the
three
months ended in Mar. 2026 was ₹5,009 Mil. Piramal Finance's Revenue for the
three
months ended in Mar. 2026 was ₹29,915 Mil. Therefore, Piramal Finance's net margin for the quarter that ended in Mar. 2026 was 16.75%.
The historical rank and industry rank for Piramal Finance's Net Margin % or its related term are showing as below:
BOM:544597'
s Net Margin % Range Over the Past 10 Years
Min: -113.89 Med: 5.67 Max: 14.51
Current: 12.54
BOM:544597's Net Margin % is ranked worse than 54.99% of 531
companies
in the Credit Services industry
Industry Median: 14.74
vs BOM:544597: 12.54
Piramal Finance (BOM:544597) 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.
Piramal Finance Net Margin % Related Terms
Piramal Finance Net Margin % Historical Data
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The historical data trend for Piramal 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.
For the Credit Services subindustry, Piramal 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.
Piramal Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Piramal Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Piramal 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.
Piramal Finance (BOM:544597) has a Net Margin % of 16.75% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Piramal Finance and its competitors. This is 195% above median its historical median of 5.67. According to the industry distribution chart, Piramal Finance ranks #292 out of 531 companies in the Credit Services industry, placing it in the top 55%.
Is Piramal Finance's Net Margin % too high?
Piramal Finance's current Net Margin % of 16.75% is 195% above median its 10-year median of 5.67. The Credit Services industry median Net Margin % is 14.74. Piramal Finance's value of 16.75% is 13.6% above this industry median. Based on the distribution chart, Piramal Finance ranks #292 out of 531 companies in the Credit Services industry, which is below the industry midpoint. Overall, Piramal Finance has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Piramal Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Piramal Finance ranks #292 out of 531 companies for Net Margin %. This places Piramal Finance in the lower half of its industry. The industry median Net Margin % is 14.74. Piramal Finance's value of 16.75% is 13.6% above this benchmark. While the company's 10-year median is 5.67 vs. the industry median of 14.74, Piramal 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 Credit Services company?
The median Net Margin % among Credit Services companies is 14.74, based on 531 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. Piramal Finance's current Net Margin % of 16.75% is 13.6% 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 Piramal Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Piramal Finance's current Net Margin % is 16.75%, which is 195% above median its own 10-year median of 5.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Piramal Finance stock overvalued right now?
Piramal Finance (BOM:544597) has a current Net Margin % of 16.75%. The current Net Margin % is 16.75%, which is 195% above median its 10-year median of 5.67 and 13.6% above the Credit Services industry median of 14.74. Piramal Finance's overall GF Score™ is 26/100 with 4 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 Piramal Finance (BOM:544597), the current Net Margin % is 16.75% 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.
Piramal Finance Ltd main business is providing loans to customers for construction or purchase of residential property, loans against property, loans to real estate developers, loans to SMEs, Consumption loans, etc. Its loan products are Home Loan, Construction Loan, Renovation Loan, Extension Loan, Business Loans, Loan Against Property, Small Business Loan, Working Capital Loan, Personal Loan, Used Car Loan, Group Loan, Loan Against Securities, Loan Against Car, Insurance Services, Interest Rates & Disclosures, Wholesale Lending, Alternatives, etc. The company's business segments are Retail Lending, Wholesale Lending, Alternatives, and Life Insurance. The Company has identified only one reportable business segment & geographical segment as it deals mainly in lending business within India.
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