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Poonawalla FincorpBOM:524000 -0.79%63 Operating Margin % is 31.83% as of Jun. 2026, which is 19% above its 10-year median of 26.82. GuruFocus rates BOM:524000 with a GF Score™ of 63/100 and a GF Value™ of ₹770.79 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 416 Credit Services companies, Poonawalla Fincorp ranks better than 63.22% on this metric.
Poonawalla Fincorp Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -1.8%.
The historical rank and industry rank for Poonawalla Fincorp's Operating Margin % or its related term are showing as below:
BOM:524000'
s Operating Margin % Range Over the Past 10 Years
Min: 14.09 Med: 26.82 Max: 41.2
Current: 28.52
BOM:524000's Operating Margin % is ranked better than 63.22% of 416
companies
in the Credit Services industry
Industry Median: 17.905
vs BOM:524000: 28.52
Poonawalla Fincorp's 5-Year Average Operating Margin % Growth Rate was -1.80% 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.
Poonawalla Fincorp Operating Margin % Related Terms
Poonawalla Fincorp Operating Margin % Historical Data
* Premium members only.
The historical data trend for Poonawalla 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:524000 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Poonawalla 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.
Poonawalla Fincorp Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Poonawalla Fincorp's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Poonawalla 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.
Poonawalla 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.
Poonawalla Fincorp (BOM:524000) has a Operating Margin % of 31.83% as of Jun. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Poonawalla Fincorp and its competitors. This is 19% above median its historical median of 26.82. Over the past decade, Poonawalla Fincorp's Operating Margin % has ranged from 14.09 to 41.20. According to the industry distribution chart, Poonawalla Fincorp ranks #153 out of 416 companies in the Credit Services industry, placing it in the top 36.8%.
Is Poonawalla Fincorp's Operating Margin % too high?
Poonawalla Fincorp's current Operating Margin % of 31.83% is 19% above median its 10-year median of 26.82. Over the past 10 years, this metric has ranged from a low of 14.09 to a high of 41.20. The Credit Services industry median Operating Margin % is 17.91. Poonawalla Fincorp's value of 31.83% is 77.8% above this industry median. Based on the distribution chart, Poonawalla Fincorp ranks #153 out of 416 companies in the Credit Services industry, which is above the industry midpoint. Overall, Poonawalla Fincorp has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Poonawalla Fincorp's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Poonawalla Fincorp ranks #153 out of 416 companies for Operating Margin %. This puts Poonawalla Fincorp in the upper half of its industry. The industry median Operating Margin % is 17.91. Poonawalla Fincorp's value of 31.83% is 77.8% above this benchmark. Historically, Poonawalla Fincorp's own Operating Margin % has ranged from 14.09 to 41.20 over the past decade. While the company's 10-year median is 26.82 vs. the industry median of 17.91, Poonawalla 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 17.91, based on 416 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. Poonawalla Fincorp's current Operating Margin % of 31.83% is 77.8% 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 Poonawalla Fincorp and its competitors. For the Credit Services industry, the median Operating Margin % is 17.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Poonawalla Fincorp's current Operating Margin % is 31.83%, which is 19% above median its own 10-year median of 26.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Poonawalla Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Poonawalla Fincorp (BOM:524000) is currently considered Possible Value Trap. The stock's GF Value™ is ₹770.79, compared to a current price of ₹476.10 — trading 38.2% below its estimated fair value. The current Operating Margin % is 31.83%, which is 19% above median its 10-year median of 26.82 and 77.8% above the Credit Services industry median of 17.91. Poonawalla Fincorp's overall GF Score™ is 63/100 with 8 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 Poonawalla Fincorp (BOM:524000), the current Operating Margin % is 31.83% as of Jun. 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 Poonawalla Fincorp (BOM:524000) Overvalued in 2026?
Based on GuruFocus' analysis, Poonawalla Fincorp stock appears to be undervalued.
The current stock price of ₹476.10 is trading 38.2% below its estimated GF Value™ of ₹770.79.
GuruFocus considers Poonawalla Fincorp to be Possible Value Trap.
Key valuation signals for BOM:524000:
Operating Margin %: 31.83% (19% above median its 10-year median of 26.82)
GF Value™: ₹770.79 vs. price of ₹476.10 (38.2% below fair value)
Industry Position: 77.8% above the Credit Services median (#153 of 416)
No single metric tells the full story. See the BOM:524000 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Poonawalla Fincorp Ltd is a non-banking finance company engaged in providing asset finance. It offers personal loans, business loans, professional loans, credit cards, other loans, and quick pay. Its only operating segment is financing. Geographically, it derives revenue from India.
63GF Score
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