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Finbud Financial ServicesNSE:FINBUD +3.39%18 Operating Margin % is 4.29% as of Mar. 2026, which is 1% above its 10-year median of 4.25. GuruFocus rates NSE:FINBUD with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 413 Credit Services companies, Finbud Financial Services ranks worse than 68.52% on this metric.
The historical rank and industry rank for Finbud Financial Services's Operating Margin % or its related term are showing as below:
NSE:FINBUD'
s Operating Margin % Range Over the Past 10 Years
Min: 1.73 Med: 4.25 Max: 5.18
Current: 4.29
NSE:FINBUD's Operating Margin % is ranked worse than 68.52% of 413
companies
in the Credit Services industry
Industry Median: 17.58
vs NSE:FINBUD: 4.29
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.
Finbud Financial Services Operating Margin % Related Terms
Finbud 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.
NSE:FINBUD vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Finbud 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.
Finbud Financial Services Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finbud Financial Services's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Finbud 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.
Finbud 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.
Finbud Financial Services (NSE:FINBUD) has a Operating Margin % of 4.29% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Finbud Financial Services and its competitors. This is near median its historical median of 4.25. Over the past decade, Finbud Financial Services' Operating Margin % has ranged from 1.73 to 5.18. According to the industry distribution chart, Finbud Financial Services ranks #283 out of 413 companies in the Credit Services industry, placing it in the top 68.5%.
Is Finbud Financial Services' Operating Margin % too high?
Finbud Financial Services' current Operating Margin % of 4.29% is near median its 10-year median of 4.25. Over the past 10 years, this metric has ranged from a low of 1.73 to a high of 5.18. The Credit Services industry median Operating Margin % is 17.58. Finbud Financial Services' value of 4.29% is 75.6% below this industry median. Based on the distribution chart, Finbud Financial Services ranks #283 out of 413 companies in the Credit Services industry, which is below the industry midpoint. Overall, Finbud Financial Services has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Finbud Financial Services' Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Finbud Financial Services ranks #283 out of 413 companies for Operating Margin %. This places Finbud Financial Services in the lower half of its industry. The industry median Operating Margin % is 17.58. Finbud Financial Services' value of 4.29% is 75.6% below this benchmark. Historically, Finbud Financial Services' own Operating Margin % has ranged from 1.73 to 5.18 over the past decade. While the company's 10-year median is 4.25 vs. the industry median of 17.58, Finbud 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 17.58, based on 413 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. Finbud Financial Services's current Operating Margin % of 4.29% is 75.6% 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 Finbud Financial Services and its competitors. For the Credit Services industry, the median Operating Margin % is 17.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finbud Financial Services's current Operating Margin % is 4.29%, which is near median its own 10-year median of 4.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbud Financial Services stock overvalued right now?
Finbud Financial Services (NSE:FINBUD) has a current Operating Margin % of 4.29%. The current Operating Margin % is 4.29%, which is near median its 10-year median of 4.25 and 75.6% below the Credit Services industry median of 17.58. Finbud Financial Services' overall GF Score™ is 18/100 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 Finbud Financial Services (NSE:FINBUD), the current Operating Margin % is 4.29% 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.
Finbud Financial Services Ltd is engaged in the business of financial advisory, brokerage, and consultancy services, operating as a retail loan aggregation platform in India that helps people obtain personal, business, and home loans from banks and non-banking financial companies. The company acquires customers through a hybrid strategy using digital marketing and a wide network of external agents, and earns a commission from lenders upon loan disbursement. Its hybrid business model includes conventional lending through the Agent channel and digital lending through the Digital Channel, supported by partnerships with a wide network of lenders to offer tailored loan solutions that meet diverse customer needs.
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