Comfort FincapBOM:535267 +0.29%74 Operating Margin % is 38.33% as of Mar. 2026, which is 28% below its 10-year median of 53.53. GuruFocus rates BOM:535267 with a GF Score™ of 74/100 and a GF Value™ of ₹7.27 (Fairly Valued). The stock has 3 warning signs investors should review. Among 411 Credit Services companies, Comfort Fincap ranks better than 89.29% on this metric.
Comfort Fincap Ltd operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for Comfort Fincap's Operating Margin % or its related term are showing as below:
BOM:535267'
s Operating Margin % Range Over the Past 10 Years
Min: 24.25 Med: 53.53 Max: 65.43
Current: 60.7
BOM:535267's Operating Margin % is ranked better than 89.29% of 411
companies
in the Credit Services industry
Industry Median: 17.36
vs BOM:535267: 60.70
Comfort Fincap's 5-Year Average Operating Margin % Growth Rate was 2.20% 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.
Comfort Fincap Operating Margin % Related Terms
Comfort Fincap Operating Margin % Historical Data
* Premium members only.
The historical data trend for Comfort Fincap'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:535267 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Comfort Fincap'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.
Comfort Fincap Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Comfort Fincap's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Comfort Fincap'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.
Comfort Fincap'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.
Comfort Fincap (BOM:535267) has a Operating Margin % of 38.33% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Comfort Fincap and its competitors. This is 28% below median its historical median of 53.53. Over the past decade, Comfort Fincap's Operating Margin % has ranged from 24.25 to 65.43. According to the industry distribution chart, Comfort Fincap ranks #44 out of 411 companies in the Credit Services industry, placing it in the top 10.7%.
Is Comfort Fincap's Operating Margin % too high?
Comfort Fincap's current Operating Margin % of 38.33% is 28% below median its 10-year median of 53.53. Over the past 10 years, this metric has ranged from a low of 24.25 to a high of 65.43. The Credit Services industry median Operating Margin % is 17.36. Comfort Fincap's value of 38.33% is 120.8% above this industry median. Based on the distribution chart, Comfort Fincap ranks #44 out of 411 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Comfort Fincap has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Comfort Fincap's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Comfort Fincap ranks #44 out of 411 companies for Operating Margin %. This places Comfort Fincap in the top 11% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.36. Comfort Fincap's value of 38.33% is 120.8% above this benchmark. Historically, Comfort Fincap's own Operating Margin % has ranged from 24.25 to 65.43 over the past decade. While the company's 10-year median is 53.53 vs. the industry median of 17.36, Comfort Fincap 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. Comfort Fincap's current Operating Margin % of 38.33% is 120.8% 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 Comfort Fincap 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. Comfort Fincap's current Operating Margin % is 38.33%, which is 28% below median its own 10-year median of 53.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Comfort Fincap stock overvalued right now?
Based on GuruFocus' analysis, Comfort Fincap (BOM:535267) is currently considered Fairly Valued. The stock's GF Value™ is ₹7.27, compared to a current price of ₹7.00 — trading 3.7% below its estimated fair value. The current Operating Margin % is 38.33%, which is 28% below median its 10-year median of 53.53 and 120.8% above the Credit Services industry median of 17.36. Comfort Fincap's overall GF Score™ is 74/100 with 3 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 Comfort Fincap (BOM:535267), the current Operating Margin % is 38.33% 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 Comfort Fincap (BOM:535267) Overvalued in 2026?
Based on GuruFocus' analysis, Comfort Fincap stock appears to be undervalued.
The current stock price of ₹7.00 is trading 3.7% below its estimated GF Value™ of ₹7.27.
GuruFocus considers Comfort Fincap to be Fairly Valued.
Key valuation signals for BOM:535267:
Operating Margin %: 38.33% (28% below median its 10-year median of 53.53)
GF Value™: ₹7.27 vs. price of ₹7.00 (3.7% below fair value)
Industry Position: 120.8% above the Credit Services median (#44 of 411)
No single metric tells the full story. See the BOM:535267 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Comfort Fincap Ltd is an India-based non-banking financial company. It provides various financial solutions to commercial, industrial, and financial clients. Its offerings include advancing loans against listed shares, securities, and properties, corporate loans, personal loans, trade financing, promoter funding, IPO (initial public offering) financing, bills discounting, margin funding, trading in shares and securities, and arbitrage business in stock and commodity markets. It generates revenue in the form of professional fees and interest income received from loans and advances and term deposits.
74GF Score
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