GIC Housing FinanceBOM:511676 -4.14%56 Operating Margin % is 21.53% as of Mar. 2026, which is 6% below its 10-year median of 22.89. GuruFocus rates BOM:511676 with a GF Score™ of 56/100 and a GF Value™ of ₹192.59 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 48 Banks companies, GIC Housing Finance ranks better than 56.25% on this metric.
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.
GIC Housing Finance Operating Margin % Related Terms
GIC Housing Finance Operating Margin % Historical Data
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The historical data trend for GIC Housing 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:511676 vs RKT, FNMA, PFSI: Operating Margin % Comparison
For the Mortgage Finance subindustry, GIC Housing 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.
GIC Housing Finance Operating Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GIC Housing Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where GIC Housing 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.
GIC Housing 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.
GIC Housing Finance (BOM:511676) has a Operating Margin % of 21.53% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on GIC Housing Finance and its competitors. This is near median its historical median of 22.89. Over the past decade, GIC Housing Finance's Operating Margin % has ranged from 16.82 to 30.38. According to the industry distribution chart, GIC Housing Finance ranks #21 out of 48 companies in the Banks industry, placing it in the top 43.7%.
Is GIC Housing Finance's Operating Margin % too high?
GIC Housing Finance's current Operating Margin % of 21.53% is near median its 10-year median of 22.89. Over the past 10 years, this metric has ranged from a low of 16.82 to a high of 30.38. The Banks industry median Operating Margin % is 18.14. GIC Housing Finance's value of 21.53% is 18.7% above this industry median. Based on the distribution chart, GIC Housing Finance ranks #21 out of 48 companies in the Banks industry, which is above the industry midpoint. Overall, GIC Housing Finance has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GIC Housing Finance's Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, GIC Housing Finance ranks #21 out of 48 companies for Operating Margin %. This puts GIC Housing Finance in the upper half of its industry. The industry median Operating Margin % is 18.14. GIC Housing Finance's value of 21.53% is 18.7% above this benchmark. Historically, GIC Housing Finance's own Operating Margin % has ranged from 16.82 to 30.38 over the past decade. While the company's 10-year median is 22.89 vs. the industry median of 18.14, GIC 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 Operating Margin % for a Banks company?
The median Operating Margin % among Banks companies is 18.14, based on 48 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. GIC Housing Finance's current Operating Margin % of 21.53% is 18.7% 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 GIC Housing Finance and its competitors. For the Banks industry, the median Operating Margin % is 18.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GIC Housing Finance's current Operating Margin % is 21.53%, which is near median its own 10-year median of 22.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, GIC Housing Finance (BOM:511676) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹192.59, compared to a current price of ₹159.75 — trading 17.1% below its estimated fair value. The current Operating Margin % is 21.53%, which is near median its 10-year median of 22.89 and 18.7% above the Banks industry median of 18.14. GIC Housing Finance's overall GF Score™ is 56/100 with 7 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 GIC Housing Finance (BOM:511676), the current Operating Margin % is 21.53% 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 GIC Housing Finance (BOM:511676) Overvalued in 2026?
Based on GuruFocus' analysis, GIC Housing Finance stock appears to be undervalued.
The current stock price of ₹159.75 is trading 17.1% below its estimated GF Value™ of ₹192.59.
GuruFocus considers GIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:511676:
Operating Margin %: 21.53% (near median its 10-year median of 22.89)
GF Value™: ₹192.59 vs. price of ₹159.75 (17.1% below fair value)
Industry Position: 18.7% above the Banks median (#21 of 48)
No single metric tells the full story. See the BOM:511676 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GIC Housing Finance Ltd is a specialty finance firm located in India. It was formed with the objective of entering the field of direct lending to individuals and other corporates to accelerate housing activities in India. The primary activity of the company is granting housing loans to individuals and to persons/entities involved in the construction of houses for residential purposes. The company is exclusively engaged in the housing finance business and revenues are mainly derived from Interest Income. It operates in a single business segment which is financing.
56GF Score
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