Mangal Credit & FincorpBOM:505850 +3.63%77 Operating Margin % is 37.09% as of Mar. 2026, which is 28% below its 10-year median of 51.47. GuruFocus rates BOM:505850 with a GF Score™ of 77/100 and a GF Value™ of ₹246.78 (Fairly Valued). The stock has 13 warning signs investors should review. Among 409 Credit Services companies, Mangal Credit & Fincorp ranks better than 68.46% on this metric.
Mangal Credit & Fincorp Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -15.4%.
The historical rank and industry rank for Mangal Credit & Fincorp's Operating Margin % or its related term are showing as below:
BOM:505850'
s Operating Margin % Range Over the Past 10 Years
Min: 12.7 Med: 51.47 Max: 76.3
Current: 32.07
BOM:505850's Operating Margin % is ranked better than 68.46% of 409
companies
in the Credit Services industry
Industry Median: 17.36
vs BOM:505850: 32.07
Mangal Credit & Fincorp's 5-Year Average Operating Margin % Growth Rate was -15.40% per year.
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Mangal Credit & Fincorp Operating Margin % Related Terms
Mangal Credit & Fincorp Operating Margin % Historical Data
* Premium members only.
The historical data trend for Mangal Credit & Fincorp's Operating 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:505850 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Mangal Credit & Fincorp's Operating Margin %, along with its competitors' market caps and Operating 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.
Mangal Credit & Fincorp Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mangal Credit & Fincorp's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Mangal Credit & Fincorp's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Mangal Credit & Fincorp's Operating Margin % for the fiscal year that ended in Mar. 2026 is calculated as
* 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.
Mangal Credit & Fincorp (BOM:505850) has a Operating Margin % of 37.09% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Mangal Credit & Fincorp and its competitors. This is 28% below median its historical median of 51.47. Over the past decade, Mangal Credit & Fincorp's Operating Margin % has ranged from 12.70 to 76.30. According to the industry distribution chart, Mangal Credit & Fincorp ranks #129 out of 409 companies in the Credit Services industry, placing it in the top 31.5%.
Is Mangal Credit & Fincorp's Operating Margin % too high?
Mangal Credit & Fincorp's current Operating Margin % of 37.09% is 28% below median its 10-year median of 51.47. Over the past 10 years, this metric has ranged from a low of 12.70 to a high of 76.30. The Credit Services industry median Operating Margin % is 17.36. Mangal Credit & Fincorp's value of 37.09% is 113.7% above this industry median. Based on the distribution chart, Mangal Credit & Fincorp ranks #129 out of 409 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mangal Credit & Fincorp has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mangal Credit & Fincorp's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Mangal Credit & Fincorp ranks #129 out of 409 companies for Operating Margin %. This puts Mangal Credit & Fincorp in the upper half of its industry. The industry median Operating Margin % is 17.36. Mangal Credit & Fincorp's value of 37.09% is 113.7% above this benchmark. Historically, Mangal Credit & Fincorp's own Operating Margin % has ranged from 12.70 to 76.30 over the past decade. While the company's 10-year median is 51.47 vs. the industry median of 17.36, Mangal Credit & Fincorp 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.36, based on 409 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mangal Credit & Fincorp's current Operating Margin % of 37.09% is 113.7% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Mangal Credit & Fincorp and its competitors. For the Credit Services industry, the median Operating Margin % is 17.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mangal Credit & Fincorp's current Operating Margin % is 37.09%, which is 28% below median its own 10-year median of 51.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mangal Credit & Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Mangal Credit & Fincorp (BOM:505850) is currently considered Fairly Valued. The stock's GF Value™ is ₹246.78, compared to a current price of ₹245.30 — trading 0.6% below its estimated fair value. The current Operating Margin % is 37.09%, which is 28% below median its 10-year median of 51.47 and 113.7% above the Credit Services industry median of 17.36. Mangal Credit & Fincorp's overall GF Score™ is 77/100 with 13 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Mangal Credit & Fincorp (BOM:505850), the current Operating Margin % is 37.09% 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.
Is Mangal Credit & Fincorp (BOM:505850) Overvalued in 2026?
Based on GuruFocus' analysis, Mangal Credit & Fincorp stock appears to be undervalued.
The current stock price of ₹245.30 is trading 0.6% below its estimated GF Value™ of ₹246.78.
GuruFocus considers Mangal Credit & Fincorp to be Fairly Valued.
Key valuation signals for BOM:505850:
Operating Margin %: 37.09% (28% below median its 10-year median of 51.47)
GF Value™: ₹246.78 vs. price of ₹245.30 (0.6% below fair value)
Industry Position: 113.7% above the Credit Services median (#129 of 409)
No single metric tells the full story. See the BOM:505850 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mangal Credit & Fincorp Ltd is a non-banking financial company. The company offers services, including loans and credit facilities, private educational funding, and trade-in money market underwriting stocks and shares. Its products include Gold loans, Personal loans, and SME(small and medium enterprises) loans. Geographically all the operations function through the regions of India. The company generates the majority of its revenue from Interest Income. The company also generates revenue from Fees and commission income.
77GF Score
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