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Mudra Financial ServicesBOM:539819 65 Operating Margin % is 1.05% as of Mar. 2026, which is 98% below its 10-year median of 49.80. GuruFocus rates BOM:539819 with a GF Score™ of 65/100 and a GF Value™ of ₹4.27 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 416 Credit Services companies, Mudra Financial Services ranks worse than 70.19% on this metric.
Mudra Financial Services Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -55.5%.
The historical rank and industry rank for Mudra Financial Services's Operating Margin % or its related term are showing as below:
BOM:539819'
s Operating Margin % Range Over the Past 10 Years
Min: 0.74 Med: 49.8 Max: 133.05
Current: 3.35
BOM:539819's Operating Margin % is ranked worse than 70.19% of 416
companies
in the Credit Services industry
Industry Median: 18.245
vs BOM:539819: 3.35
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.
Mudra Financial Services Operating Margin % Related Terms
Mudra Financial Services Operating Margin % Historical Data
* 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:539819 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Mudra Financial Services'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.
Mudra Financial Services Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mudra Financial Services's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Mudra Financial Services'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.
Mudra Financial Services'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.
Mudra Financial Services (BOM:539819) has a Operating Margin % of 1.05% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Mudra Financial Services and its competitors. This is 98% below median its historical median of 49.80. Over the past decade, Mudra Financial Services' Operating Margin % has ranged from 0.74 to 133.05. According to the industry distribution chart, Mudra Financial Services ranks #292 out of 416 companies in the Credit Services industry, placing it in the top 70.2%.
Is Mudra Financial Services' Operating Margin % too high?
Mudra Financial Services' current Operating Margin % of 1.05% is 98% below median its 10-year median of 49.80. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 133.05. The Credit Services industry median Operating Margin % is 18.25. Mudra Financial Services' value of 1.05% is 94.2% below this industry median. Based on the distribution chart, Mudra Financial Services ranks #292 out of 416 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mudra Financial Services has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mudra Financial Services' Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Mudra Financial Services ranks #292 out of 416 companies for Operating Margin %. This places Mudra Financial Services in the lower half of its industry. The industry median Operating Margin % is 18.25. Mudra Financial Services' value of 1.05% is 94.2% below this benchmark. Historically, Mudra Financial Services' own Operating Margin % has ranged from 0.74 to 133.05 over the past decade. While the company's 10-year median is 49.80 vs. the industry median of 18.25, Mudra Financial Services has consistently been below 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 18.25, 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. Mudra Financial Services's current Operating Margin % of 1.05% is 94.2% below 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 Mudra Financial Services and its competitors. For the Credit Services industry, the median Operating Margin % is 18.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mudra Financial Services's current Operating Margin % is 1.05%, which is 98% below median its own 10-year median of 49.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mudra Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Mudra Financial Services (BOM:539819) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹4.27, compared to a current price of ₹4.73 — trading 10.8% above its estimated fair value. The current Operating Margin % is 1.05%, which is 98% below median its 10-year median of 49.80 and 94.2% below the Credit Services industry median of 18.25. Mudra Financial Services' overall GF Score™ is 65/100 with 7 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 Mudra Financial Services (BOM:539819), the current Operating Margin % is 1.05% 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 Mudra Financial Services (BOM:539819) Overvalued in 2026?
Based on GuruFocus' analysis, Mudra Financial Services stock appears to be overvalued.
The current stock price of ₹4.73 is trading 10.8% above its estimated GF Value™ of ₹4.27.
GuruFocus considers Mudra Financial Services to be Modestly Overvalued.
Key valuation signals for BOM:539819:
Operating Margin %: 1.05% (98% below median its 10-year median of 49.80)
GF Value™: ₹4.27 vs. price of ₹4.73 (10.8% above fair value)
Industry Position: 94.2% below the Credit Services median (#292 of 416)
No single metric tells the full story. See the BOM:539819 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mudra Financial Services Ltd is an Indian-based non-banking financial company. It is engaged in the business of trading and investment in shares, granting of loans & advances to various segments of the industry, and other financial activities. Business profile of company includes: Arranging for Discount of LC/Non LC backed suppliers bills, Arranging for Buyers credit in Foreign Exchange, Arranging for ECB's for project specific basis, yndication from Term Loan/Working Capital from Financial Institutions, Nationalised Banks, Co-operative Banks, Preparation of Project Feasibility Report, Arranging of Corporate Loans from Banks for Listed/Semi Government Organisations, Corporate Debt Re-structuring and one time settlement for Corporates.
65GF Score
Get the complete analysis for BOM:539819
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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