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India Shelter FinanceBOM:544044 -0.12%38 Operating Margin % is 41.30% as of Mar. 2026, which is 50% above its 10-year median of 27.60. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 47 Banks companies, India Shelter Finance ranks better than 85.11% on this metric.
India Shelter Finance (BOM:544044) 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.
India Shelter Finance Operating Margin % Related Terms
India Shelter Finance Operating Margin % Historical Data
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The historical data trend for India Shelter 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:544044 vs RKT, FNMA, PFSI: Operating Margin % Comparison
For the Mortgage Finance subindustry, India Shelter 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.
India Shelter Finance Operating Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where India Shelter Finance's Operating Margin % falls into.
India Shelter Finance Operating Margin % Calculation
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.
India Shelter 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.
India Shelter Finance (BOM:544044) has a Operating Margin % of 41.30% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on India Shelter Finance and its competitors. This is 50% above median its historical median of 27.60. Over the past decade, India Shelter Finance's Operating Margin % has ranged from 22.53 to 39.44. According to the industry distribution chart, India Shelter Finance ranks #7 out of 47 companies in the Banks industry, placing it in the top 14.9%.
Is India Shelter Finance's Operating Margin % too high?
India Shelter Finance's current Operating Margin % of 41.30% is 50% above median its 10-year median of 27.60. Over the past 10 years, this metric has ranged from a low of 22.53 to a high of 39.44. The Banks industry median Operating Margin % is 18.49. India Shelter Finance's value of 41.30% is 123.4% above this industry median. Based on the distribution chart, India Shelter Finance ranks #7 out of 47 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #7 out of 47 companies for Operating Margin %. This places India Shelter Finance in the top 15% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 18.49. India Shelter Finance's value of 41.30% is 123.4% above this benchmark. Historically, India Shelter Finance's own Operating Margin % has ranged from 22.53 to 39.44 over the past decade. While the company's 10-year median is 27.60 vs. the industry median of 18.49, India Shelter 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 Banks company?
The median Operating Margin % among Banks companies is 18.49, based on 47 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. India Shelter Finance's current Operating Margin % of 41.30% is 123.4% 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 India Shelter Finance and its competitors. For the Banks industry, the median Operating Margin % is 18.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current Operating Margin % is 41.30%, which is 50% above median its own 10-year median of 27.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current Operating Margin % of 41.30%. The current Operating Margin % is 41.30%, which is 50% above median its 10-year median of 27.60 and 123.4% above the Banks industry median of 18.49. India Shelter Finance's overall GF Score™ is 38/100 with 5 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 India Shelter Finance (BOM:544044), the current Operating Margin % is 41.30% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
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