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.
JA FinanceBOM:543860 +0.17%54 Operating Margin % is 42.23% as of Mar. 2026, which is 12% below its 10-year median of 48.00. GuruFocus rates BOM:543860 with a GF Score™ of 54/100 and a GF Value™ of ₹47.19 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 416 Credit Services companies, JA Finance ranks better than 62.98% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. JA Finance's Operating Income for the
three
months ended in Mar. 2026 was ₹2.93 Mil. JA Finance's Revenue for the
three
months ended in Mar. 2026 was ₹6.94 Mil. Therefore, JA Finance's Operating Margin % for the quarter that ended in Mar. 2026 was 42.23%.
Warning Sign:
JA Finance Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -6.4%.
The historical rank and industry rank for JA Finance's Operating Margin % or its related term are showing as below:
BOM:543860'
s Operating Margin % Range Over the Past 10 Years
Min: 14.38 Med: 48 Max: 79.27
Current: 28.36
BOM:543860's Operating Margin % is ranked better than 62.98% of 416
companies
in the Credit Services industry
Industry Median: 18.245
vs BOM:543860: 28.36
JA Finance's 5-Year Average Operating Margin % Growth Rate was -6.40% per year.
JA Finance's Operating Income for the
three
months ended in Mar. 2026 was ₹2.93 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₹7.90 Mil.
JA Finance (BOM:543860) 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.
JA Finance Operating Margin % Related Terms
JA Finance Operating Margin % Historical Data
* Premium members only.
The historical data trend for JA 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:543860 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, JA 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.
JA Finance Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, JA Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where JA 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.
JA 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.
JA Finance (BOM:543860) has a Operating Margin % of 42.23% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on JA Finance and its competitors. This is 12% below median its historical median of 48.00. Over the past decade, JA Finance's Operating Margin % has ranged from 14.38 to 79.27. According to the industry distribution chart, JA Finance ranks #154 out of 416 companies in the Credit Services industry, placing it in the top 37%.
Is JA Finance's Operating Margin % too high?
JA Finance's current Operating Margin % of 42.23% is 12% below median its 10-year median of 48.00. Over the past 10 years, this metric has ranged from a low of 14.38 to a high of 79.27. The Credit Services industry median Operating Margin % is 18.25. JA Finance's value of 42.23% is 131.5% above this industry median. Based on the distribution chart, JA Finance ranks #154 out of 416 companies in the Credit Services industry, which is above the industry midpoint. Overall, JA Finance has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JA Finance's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, JA Finance ranks #154 out of 416 companies for Operating Margin %. This puts JA Finance in the upper half of its industry. The industry median Operating Margin % is 18.25. JA Finance's value of 42.23% is 131.5% above this benchmark. Historically, JA Finance's own Operating Margin % has ranged from 14.38 to 79.27 over the past decade. While the company's 10-year median is 48.00 vs. the industry median of 18.25, JA 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 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. JA Finance's current Operating Margin % of 42.23% is 131.5% 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 JA Finance 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. JA Finance's current Operating Margin % is 42.23%, which is 12% below median its own 10-year median of 48.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JA Finance stock overvalued right now?
Based on GuruFocus' analysis, JA Finance (BOM:543860) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹47.19, compared to a current price of ₹120.00 — trading 154.3% above its estimated fair value. The current Operating Margin % is 42.23%, which is 12% below median its 10-year median of 48.00 and 131.5% above the Credit Services industry median of 18.25. JA Finance's overall GF Score™ is 54/100 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 JA Finance (BOM:543860), the current Operating Margin % is 42.23% 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 JA Finance (BOM:543860) Overvalued in 2026?
Based on GuruFocus' analysis, JA Finance stock appears to be overvalued.
The current stock price of ₹120.00 is trading 154.3% above its estimated GF Value™ of ₹47.19.
GuruFocus considers JA Finance to be Significantly Overvalued.
Key valuation signals for BOM:543860:
Operating Margin %: 42.23% (12% below median its 10-year median of 48.00)
GF Value™: ₹47.19 vs. price of ₹120.00 (154.3% above fair value)
Industry Position: 131.5% above the Credit Services median (#154 of 416)
No single metric tells the full story. See the BOM:543860 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JA Finance Ltd is engaged in the business of financing and investing (share and derivative trading/transactions). The company derives its revenue from financing activities and its customers are widespread. The Company is operating in India which is considered as a single geographical segment.
54GF Score
Get the complete analysis for BOM:543860
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:543860 has been successfully added to your 
