Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Nalin Lease FinanceBOM:531212 +2.01%68 Operating Margin % is 62.25% as of Jun. 2026, which is 3% above its 10-year median of 60.53. GuruFocus rates BOM:531212 with a GF Score™ of 68/100 and a GF Value™ of ₹52.56 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 414 Credit Services companies, Nalin Lease Finance ranks better than 86.47% on this metric.
Nalin Lease Finance Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -4.1%.
The historical rank and industry rank for Nalin Lease Finance's Operating Margin % or its related term are showing as below:
BOM:531212'
s Operating Margin % Range Over the Past 10 Years
Min: 47.44 Med: 60.53 Max: 70.08
Current: 57.16
BOM:531212's Operating Margin % is ranked better than 86.47% of 414
companies
in the Credit Services industry
Industry Median: 17.515
vs BOM:531212: 57.16
Nalin Lease Finance's 5-Year Average Operating Margin % Growth Rate was -4.10% 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.
Nalin Lease Finance Operating Margin % Related Terms
Nalin Lease Finance Operating Margin % Historical Data
* Premium members only.
The historical data trend for Nalin Lease 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:531212 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Nalin Lease 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.
Nalin Lease Finance Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Nalin Lease Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Nalin Lease 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.
Nalin Lease 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.
Nalin Lease Finance (BOM:531212) has a Operating Margin % of 62.25% as of Jun. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Nalin Lease Finance and its competitors. This is near median its historical median of 60.53. Over the past decade, Nalin Lease Finance's Operating Margin % has ranged from 47.44 to 70.08. According to the industry distribution chart, Nalin Lease Finance ranks #56 out of 414 companies in the Credit Services industry, placing it in the top 13.5%.
Is Nalin Lease Finance's Operating Margin % too high?
Nalin Lease Finance's current Operating Margin % of 62.25% is near median its 10-year median of 60.53. Over the past 10 years, this metric has ranged from a low of 47.44 to a high of 70.08. The Credit Services industry median Operating Margin % is 17.52. Nalin Lease Finance's value of 62.25% is 255.4% above this industry median. Based on the distribution chart, Nalin Lease Finance ranks #56 out of 414 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Nalin Lease 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 Nalin Lease Finance's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Nalin Lease Finance ranks #56 out of 414 companies for Operating Margin %. This places Nalin Lease Finance in the top 14% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.52. Nalin Lease Finance's value of 62.25% is 255.4% above this benchmark. Historically, Nalin Lease Finance's own Operating Margin % has ranged from 47.44 to 70.08 over the past decade. While the company's 10-year median is 60.53 vs. the industry median of 17.52, Nalin Lease 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 17.52, based on 414 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. Nalin Lease Finance's current Operating Margin % of 62.25% is 255.4% 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 Nalin Lease Finance and its competitors. For the Credit Services industry, the median Operating Margin % is 17.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nalin Lease Finance's current Operating Margin % is 62.25%, which is near median its own 10-year median of 60.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nalin Lease Finance stock overvalued right now?
Based on GuruFocus' analysis, Nalin Lease Finance (BOM:531212) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹52.56, compared to a current price of ₹40.16 — trading 23.6% below its estimated fair value. The current Operating Margin % is 62.25%, which is near median its 10-year median of 60.53 and 255.4% above the Credit Services industry median of 17.52. Nalin Lease Finance's overall GF Score™ is 68/100 with 6 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 Nalin Lease Finance (BOM:531212), the current Operating Margin % is 62.25% 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 Nalin Lease Finance (BOM:531212) Overvalued in 2026?
Based on GuruFocus' analysis, Nalin Lease Finance stock appears to be undervalued.
The current stock price of ₹40.16 is trading 23.6% below its estimated GF Value™ of ₹52.56.
GuruFocus considers Nalin Lease Finance to be Modestly Undervalued.
Key valuation signals for BOM:531212:
Operating Margin %: 62.25% (near median its 10-year median of 60.53)
GF Value™: ₹52.56 vs. price of ₹40.16 (23.6% below fair value)
Industry Position: 255.4% above the Credit Services median (#56 of 414)
No single metric tells the full story. See the BOM:531212 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nalin Lease Finance Ltd is engaged in providing a wide range of fund-based services, including vehicle loans, lease finance, hire purchase, business loans, and many more. It is also engaged in the gold loan business, offering loans against gold ornaments. The company operates under a single segment, financial services.
68GF Score
Get the complete analysis for BOM:531212
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:531212 has been successfully added to your 
