Usha Financial ServicesNSE:USHAFIN 12 Net Margin % is 38.22% as of Mar. 2026, which is 72% above its 10-year median of 22.20. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Usha Financial Services ranks better than 74.91% on this metric.
The historical rank and industry rank for Usha Financial Services's Net Margin % or its related term are showing as below:
NSE:USHAFIN'
s Net Margin % Range Over the Past 10 Years
Min: 16.56 Med: 22.2 Max: 32.14
Current: 32.14
NSE:USHAFIN's Net Margin % is ranked better than 74.91% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs NSE:USHAFIN: 32.14
Usha Financial Services (NSE:USHAFIN) 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.
Usha Financial Services Net Margin % Related Terms
Usha Financial Services 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.
NSE:USHAFIN vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, Usha Financial Services'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.
Usha Financial Services Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Usha Financial Services'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.
Usha Financial Services (NSE:USHAFIN) has a Net Margin % of 38.22% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Usha Financial Services and its competitors. This is 72% above median its historical median of 22.20. Over the past decade, Usha Financial Services' Net Margin % has ranged from 16.56 to 32.14. According to the industry distribution chart, Usha Financial Services ranks #134 out of 534 companies in the Credit Services industry, placing it in the top 25.1%.
Is Usha Financial Services' Net Margin % too high?
Usha Financial Services' current Net Margin % of 38.22% is 72% above median its 10-year median of 22.20. Over the past 10 years, this metric has ranged from a low of 16.56 to a high of 32.14. The Credit Services industry median Net Margin % is 14.52. Usha Financial Services' value of 38.22% is 163.2% above this industry median. Based on the distribution chart, Usha Financial Services ranks #134 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #134 out of 534 companies for Net Margin %. This puts Usha Financial Services in the upper half of its industry. The industry median Net Margin % is 14.52. Usha Financial Services' value of 38.22% is 163.2% above this benchmark. Historically, Usha Financial Services' own Net Margin % has ranged from 16.56 to 32.14 over the past decade. While the company's 10-year median is 22.20 vs. the industry median of 14.52, Usha Financial Services 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 14.52, based on 534 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. Usha Financial Services's current Net Margin % of 38.22% is 163.2% 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 Usha Financial Services and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current Net Margin % is 38.22%, which is 72% above median its own 10-year median of 22.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current Net Margin % of 38.22%. The current Net Margin % is 38.22%, which is 72% above median its 10-year median of 22.20 and 163.2% above the Credit Services industry median of 14.52. Usha Financial Services' overall GF Score™ is 12/100 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 Usha Financial Services (NSE:USHAFIN), the current Net Margin % is 38.22% 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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