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Bajaj Housing FinanceBOM:544252 -0.54%7 Operating Margin % is 30.44% as of Jun. 2026, which is 5% above its 10-year median of 28.93. GuruFocus rates BOM:544252 with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 47 Banks companies, Bajaj Housing Finance ranks better than 72.34% on this metric.
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.
Bajaj Housing Finance Operating Margin % Related Terms
Bajaj Housing Finance Operating Margin % Historical Data
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The historical data trend for Bajaj Housing 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:544252 vs RKT, FNMA, PFSI: Operating Margin % Comparison
For the Mortgage Finance subindustry, Bajaj Housing 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.
Bajaj Housing Finance Operating Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bajaj Housing Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Bajaj Housing 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.
Bajaj Housing 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.
Bajaj Housing Finance (BOM:544252) has a Operating Margin % of 30.44% as of Jun. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Bajaj Housing Finance and its competitors. This is near median its historical median of 28.93. Over the past decade, Bajaj Housing Finance's Operating Margin % has ranged from 26.76 to 31.44. According to the industry distribution chart, Bajaj Housing Finance ranks #13 out of 47 companies in the Banks industry, placing it in the top 27.7%.
Is Bajaj Housing Finance's Operating Margin % too high?
Bajaj Housing Finance's current Operating Margin % of 30.44% is near median its 10-year median of 28.93. Over the past 10 years, this metric has ranged from a low of 26.76 to a high of 31.44. The Banks industry median Operating Margin % is 18.49. Bajaj Housing Finance's value of 30.44% is 64.6% above this industry median. Based on the distribution chart, Bajaj Housing Finance ranks #13 out of 47 companies in the Banks industry, which is above the industry midpoint. Overall, Bajaj Housing Finance has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Bajaj Housing Finance's Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Bajaj Housing Finance ranks #13 out of 47 companies for Operating Margin %. This puts Bajaj Housing Finance in the upper half of its industry. The industry median Operating Margin % is 18.49. Bajaj Housing Finance's value of 30.44% is 64.6% above this benchmark. Historically, Bajaj Housing Finance's own Operating Margin % has ranged from 26.76 to 31.44 over the past decade. While the company's 10-year median is 28.93 vs. the industry median of 18.49, Bajaj Housing 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. Bajaj Housing Finance's current Operating Margin % of 30.44% is 64.6% 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 Bajaj Housing 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. Bajaj Housing Finance's current Operating Margin % is 30.44%, which is near median its own 10-year median of 28.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Housing Finance stock overvalued right now?
Bajaj Housing Finance (BOM:544252) has a current Operating Margin % of 30.44%. The current Operating Margin % is 30.44%, which is near median its 10-year median of 28.93 and 64.6% above the Banks industry median of 18.49. Bajaj Housing Finance's overall GF Score™ is 7/100 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 Bajaj Housing Finance (BOM:544252), the current Operating Margin % is 30.44% as of Jun. 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.
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
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