Available FinanceBOM:531310 -0.13%72 Operating Margin % is 56.73% as of Mar. 2026, which is 7% above its 10-year median of 52.83. GuruFocus rates BOM:531310 with a GF Score™ of 72/100 and a GF Value™ of ₹200.87 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 411 Credit Services companies, Available Finance ranks better than 83.45% on this metric.
Available Finance Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -4.9%.
The historical rank and industry rank for Available Finance's Operating Margin % or its related term are showing as below:
BOM:531310'
s Operating Margin % Range Over the Past 10 Years
Min: 38.2 Med: 52.83 Max: 88.13
Current: 51.45
BOM:531310's Operating Margin % is ranked better than 83.45% of 411
companies
in the Credit Services industry
Industry Median: 17.36
vs BOM:531310: 51.45
Available Finance's 5-Year Average Operating Margin % Growth Rate was -4.90% per year.
Available Finance (BOM:531310) Operating Margin % Explanation
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.
Available Finance Operating Margin % Related Terms
Available Finance Operating Margin % Historical Data
* Premium members only.
The historical data trend for Available 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:531310 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Available 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.
Available Finance Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Available Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Available 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.
Available 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.
Available Finance (BOM:531310) has a Operating Margin % of 56.73% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Available Finance and its competitors. This is near median its historical median of 52.83. Over the past decade, Available Finance's Operating Margin % has ranged from 38.20 to 88.13. According to the industry distribution chart, Available Finance ranks #68 out of 411 companies in the Credit Services industry, placing it in the top 16.5%.
Is Available Finance's Operating Margin % too high?
Available Finance's current Operating Margin % of 56.73% is near median its 10-year median of 52.83. Over the past 10 years, this metric has ranged from a low of 38.20 to a high of 88.13. The Credit Services industry median Operating Margin % is 17.36. Available Finance's value of 56.73% is 226.8% above this industry median. Based on the distribution chart, Available Finance ranks #68 out of 411 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Available Finance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Available Finance's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Available Finance ranks #68 out of 411 companies for Operating Margin %. This places Available Finance in the top 17% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.36. Available Finance's value of 56.73% is 226.8% above this benchmark. Historically, Available Finance's own Operating Margin % has ranged from 38.20 to 88.13 over the past decade. While the company's 10-year median is 52.83 vs. the industry median of 17.36, Available 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 17.36, based on 411 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. Available Finance's current Operating Margin % of 56.73% is 226.8% 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 Available Finance 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. Available Finance's current Operating Margin % is 56.73%, which is near median its own 10-year median of 52.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Available Finance stock overvalued right now?
Based on GuruFocus' analysis, Available Finance (BOM:531310) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹200.87, compared to a current price of ₹153.55 — trading 23.6% below its estimated fair value. The current Operating Margin % is 56.73%, which is near median its 10-year median of 52.83 and 226.8% above the Credit Services industry median of 17.36. Available Finance's overall GF Score™ is 72/100 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 Available Finance (BOM:531310), the current Operating Margin % is 56.73% 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 Available Finance (BOM:531310) Overvalued in 2026?
Based on GuruFocus' analysis, Available Finance stock appears to be undervalued.
The current stock price of ₹153.55 is trading 23.6% below its estimated GF Value™ of ₹200.87.
GuruFocus considers Available Finance to be Modestly Undervalued.
Key valuation signals for BOM:531310:
Operating Margin %: 56.73% (near median its 10-year median of 52.83)
GF Value™: ₹200.87 vs. price of ₹153.55 (23.6% below fair value)
Industry Position: 226.8% above the Credit Services median (#68 of 411)
No single metric tells the full story. See the BOM:531310 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Available Finance Ltd operates as a non-banking financial company focused on lending and investment services. The company offers finance for acquiring, holding, selling, and buying shares, stocks, debentures, bonds, mortgages, and other securities. While the company was registered under the Reserve Bank of India as a non-banking finance company, it has since transitioned to functioning as an unregistered core investment company as per RBI guidelines. Its revenue comes from lending, investment activities, and leasing services. The company serves its clients mainly through its presence in Indore and across India.
72GF Score
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