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Ad-Manum FinanceBOM:511359 +0.83%68 Operating Margin % is 101.14% as of Mar. 2026, which is 57% above its 10-year median of 64.25. GuruFocus rates BOM:511359 with a GF Score™ of 68/100 and a GF Value™ of ₹78.30 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 413 Credit Services companies, Ad-Manum Finance ranks better than 96.37% on this metric.
Ad-Manum Finance Ltd operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for Ad-Manum Finance's Operating Margin % or its related term are showing as below:
BOM:511359'
s Operating Margin % Range Over the Past 10 Years
Min: 16.78 Med: 64.25 Max: 84.29
Current: 80.72
BOM:511359's Operating Margin % is ranked better than 96.37% of 413
companies
in the Credit Services industry
Industry Median: 17.67
vs BOM:511359: 80.72
Ad-Manum Finance's 5-Year Average Operating Margin % Growth Rate was 5.70% 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.
Ad-Manum Finance Operating Margin % Related Terms
Ad-Manum Finance Operating Margin % Historical Data
* Premium members only.
The historical data trend for Ad-Manum Finance'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:511359 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Ad-Manum Finance'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.
Ad-Manum Finance Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ad-Manum Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Ad-Manum Finance'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.
Ad-Manum Finance'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.
Ad-Manum Finance (BOM:511359) has a Operating Margin % of 101.14% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Ad-Manum Finance and its competitors. This is 57% above median its historical median of 64.25. Over the past decade, Ad-Manum Finance's Operating Margin % has ranged from 16.78 to 84.29. According to the industry distribution chart, Ad-Manum Finance ranks #15 out of 413 companies in the Credit Services industry, placing it in the top 3.6%.
Is Ad-Manum Finance's Operating Margin % too high?
Ad-Manum Finance's current Operating Margin % of 101.14% is 57% above median its 10-year median of 64.25. Over the past 10 years, this metric has ranged from a low of 16.78 to a high of 84.29. The Credit Services industry median Operating Margin % is 17.67. Ad-Manum Finance's value of 101.14% is 472.4% above this industry median. Based on the distribution chart, Ad-Manum Finance ranks #15 out of 413 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ad-Manum Finance has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ad-Manum Finance's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Ad-Manum Finance ranks #15 out of 413 companies for Operating Margin %. This places Ad-Manum Finance in the top 4% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.67. Ad-Manum Finance's value of 101.14% is 472.4% above this benchmark. Historically, Ad-Manum Finance's own Operating Margin % has ranged from 16.78 to 84.29 over the past decade. While the company's 10-year median is 64.25 vs. the industry median of 17.67, Ad-Manum 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.67, based on 413 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. Ad-Manum Finance's current Operating Margin % of 101.14% is 472.4% 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 Ad-Manum Finance and its competitors. For the Credit Services industry, the median Operating Margin % is 17.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ad-Manum Finance's current Operating Margin % is 101.14%, which is 57% above median its own 10-year median of 64.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ad-Manum Finance stock overvalued right now?
Based on GuruFocus' analysis, Ad-Manum Finance (BOM:511359) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹78.30, compared to a current price of ₹60.50 — trading 22.7% below its estimated fair value. The current Operating Margin % is 101.14%, which is 57% above median its 10-year median of 64.25 and 472.4% above the Credit Services industry median of 17.67. Ad-Manum Finance's overall GF Score™ is 68/100 with 4 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 Ad-Manum Finance (BOM:511359), the current Operating Margin % is 101.14% 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 Ad-Manum Finance (BOM:511359) Overvalued in 2026?
Based on GuruFocus' analysis, Ad-Manum Finance stock appears to be undervalued.
The current stock price of ₹60.50 is trading 22.7% below its estimated GF Value™ of ₹78.30.
GuruFocus considers Ad-Manum Finance to be Modestly Undervalued.
Key valuation signals for BOM:511359:
Operating Margin %: 101.14% (57% above median its 10-year median of 64.25)
GF Value™: ₹78.30 vs. price of ₹60.50 (22.7% below fair value)
Industry Position: 472.4% above the Credit Services median (#15 of 413)
No single metric tells the full story. See the BOM:511359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ad-Manum Finance Ltd is a non-banking finance company which provides financing services for commercial vehicles in India. The company operates through two segments, Financial and Wind Power Generation. It finances various old and new vehicles, such as heavy commercial vehicles, light commercial vehicles, medium commercial vehicles, multi-utility vehicles, and three wheelers. The company derives a majority of revenue from Financial/Investment segment.
68GF Score
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Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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