Emerald FinanceBOM:538882 -2.02%79 Operating Margin % is 62.17% as of Mar. 2026, which is 57% above its 10-year median of 39.70. GuruFocus rates BOM:538882 with a GF Score™ of 79/100 and a GF Value™ of ₹94.55 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 412 Credit Services companies, Emerald Finance ranks better than 91.99% on this metric.
Emerald Finance Ltd operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for Emerald Finance's Operating Margin % or its related term are showing as below:
BOM:538882'
s Operating Margin % Range Over the Past 10 Years
Min: 17.64 Med: 39.7 Max: 65.73
Current: 65.62
BOM:538882's Operating Margin % is ranked better than 91.99% of 412
companies
in the Credit Services industry
Industry Median: 17.325
vs BOM:538882: 65.62
Emerald Finance's 5-Year Average Operating Margin % Growth Rate was 11.10% 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.
Emerald Finance Operating Margin % Related Terms
Emerald Finance Operating Margin % Historical Data
* Premium members only.
The historical data trend for Emerald 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:538882 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Emerald 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.
Emerald Finance Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Emerald Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Emerald 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.
Emerald 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.
Emerald Finance (BOM:538882) has a Operating Margin % of 62.17% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Emerald Finance and its competitors. This is 57% above median its historical median of 39.70. Over the past decade, Emerald Finance's Operating Margin % has ranged from 17.64 to 65.73. According to the industry distribution chart, Emerald Finance ranks #33 out of 412 companies in the Credit Services industry, placing it in the top 8%.
Is Emerald Finance's Operating Margin % too high?
Emerald Finance's current Operating Margin % of 62.17% is 57% above median its 10-year median of 39.70. Over the past 10 years, this metric has ranged from a low of 17.64 to a high of 65.73. The Credit Services industry median Operating Margin % is 17.33. Emerald Finance's value of 62.17% is 258.8% above this industry median. Based on the distribution chart, Emerald Finance ranks #33 out of 412 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Emerald Finance has a GF Score™ of 79/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Emerald Finance's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Emerald Finance ranks #33 out of 412 companies for Operating Margin %. This places Emerald Finance in the top 8% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.33. Emerald Finance's value of 62.17% is 258.8% above this benchmark. Historically, Emerald Finance's own Operating Margin % has ranged from 17.64 to 65.73 over the past decade. While the company's 10-year median is 39.70 vs. the industry median of 17.33, Emerald 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 17.33, based on 412 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. Emerald Finance's current Operating Margin % of 62.17% is 258.8% 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 Emerald Finance and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emerald Finance's current Operating Margin % is 62.17%, which is 57% above median its own 10-year median of 39.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emerald Finance stock overvalued right now?
Based on GuruFocus' analysis, Emerald Finance (BOM:538882) is currently considered Possible Value Trap. The stock's GF Value™ is ₹94.55, compared to a current price of ₹54.69 — trading 42.2% below its estimated fair value. The current Operating Margin % is 62.17%, which is 57% above median its 10-year median of 39.70 and 258.8% above the Credit Services industry median of 17.33. Emerald Finance's overall GF Score™ is 79/100 with 2 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 Emerald Finance (BOM:538882), the current Operating Margin % is 62.17% 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 Emerald Finance (BOM:538882) Overvalued in 2026?
Based on GuruFocus' analysis, Emerald Finance stock appears to be undervalued.
The current stock price of ₹54.69 is trading 42.2% below its estimated GF Value™ of ₹94.55.
GuruFocus considers Emerald Finance to be Possible Value Trap.
Key valuation signals for BOM:538882:
Operating Margin %: 62.17% (57% above median its 10-year median of 39.70)
GF Value™: ₹94.55 vs. price of ₹54.69 (42.2% below fair value)
Industry Position: 258.8% above the Credit Services median (#33 of 412)
No single metric tells the full story. See the BOM:538882 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emerald Finance Ltd operates as a non-banking financial company focused on retail and micro, small, and medium enterprise (MSME) lending. The company acts as a loan origination platform for multiple financial institutions, providing a broad range of financial products including personal loans, business loans, home loans, and early wage access through digital channels. It serves customers mainly in northern and western regions of India, leveraging partnerships with banks and fintech platforms to reach diverse client segments. Revenue is generated from loan disbursements, interest income, and brokerage fees earned by facilitating lending through its network and technology-driven platforms.
79GF Score
Get the complete analysis for BOM:538882
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:538882 has been successfully added to your 
