Repco Home FinanceNSE:REPCOHOME +7.44%78 Operating Margin % is 30.00% as of Mar. 2026, which is 5% below its 10-year median of 31.42. GuruFocus rates NSE:REPCOHOME with a GF Score™ of 78/100 and a GF Value™ of ₹492.90 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 48 Banks companies, Repco Home Finance ranks better than 70.83% on this metric.
Repco Home Finance (NSE:REPCOHOME) 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.
Repco Home Finance Operating Margin % Related Terms
Repco Home Finance Operating Margin % Historical Data
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The historical data trend for Repco Home 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.
NSE:REPCOHOME vs RKT, FNMA, PFSI: Operating Margin % Comparison
For the Mortgage Finance subindustry, Repco Home 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.
Repco Home Finance Operating Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Repco Home Finance's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Repco Home 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.
Repco Home 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.
Repco Home Finance (NSE:REPCOHOME) has a Operating Margin % of 30.00% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Repco Home Finance and its competitors. This is near median its historical median of 31.42. Over the past decade, Repco Home Finance's Operating Margin % has ranged from 30.51 to 33.02. According to the industry distribution chart, Repco Home Finance ranks #14 out of 48 companies in the Banks industry, placing it in the top 29.2%.
Is Repco Home Finance's Operating Margin % too high?
Repco Home Finance's current Operating Margin % of 30.00% is near median its 10-year median of 31.42. Over the past 10 years, this metric has ranged from a low of 30.51 to a high of 33.02. The Banks industry median Operating Margin % is 18.14. Repco Home Finance's value of 30.00% is 65.4% above this industry median. Based on the distribution chart, Repco Home Finance ranks #14 out of 48 companies in the Banks industry, which is above the industry midpoint. Overall, Repco Home Finance has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Repco Home Finance's Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Repco Home Finance ranks #14 out of 48 companies for Operating Margin %. This puts Repco Home Finance in the upper half of its industry. The industry median Operating Margin % is 18.14. Repco Home Finance's value of 30.00% is 65.4% above this benchmark. Historically, Repco Home Finance's own Operating Margin % has ranged from 30.51 to 33.02 over the past decade. While the company's 10-year median is 31.42 vs. the industry median of 18.14, Repco Home 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 18.14, based on 48 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. Repco Home Finance's current Operating Margin % of 30.00% is 65.4% 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 Repco Home Finance and its competitors. For the Banks industry, the median Operating Margin % is 18.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repco Home Finance's current Operating Margin % is 30.00%, which is near median its own 10-year median of 31.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repco Home Finance stock overvalued right now?
Based on GuruFocus' analysis, Repco Home Finance (NSE:REPCOHOME) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹492.90, compared to a current price of ₹420.00 — trading 14.8% below its estimated fair value. The current Operating Margin % is 30.00%, which is near median its 10-year median of 31.42 and 65.4% above the Banks industry median of 18.14. Repco Home Finance's overall GF Score™ is 78/100 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 Repco Home Finance (NSE:REPCOHOME), the current Operating Margin % is 30.00% 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 Repco Home Finance (NSE:REPCOHOME) Overvalued in 2026?
Based on GuruFocus' analysis, Repco Home Finance stock appears to be undervalued.
The current stock price of ₹420.00 is trading 14.8% below its estimated GF Value™ of ₹492.90.
GuruFocus considers Repco Home Finance to be Modestly Undervalued.
Key valuation signals for NSE:REPCOHOME:
Operating Margin %: 30.00% (near median its 10-year median of 31.42)
GF Value™: ₹492.90 vs. price of ₹420.00 (14.8% below fair value)
Industry Position: 65.4% above the Banks median (#14 of 48)
No single metric tells the full story. See the NSE:REPCOHOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repco Home Finance Ltd is an India-based company that is engaged in housing finance. The company provides a broad range of individual home loans and loans against property. The company operates in two business segments: Individual Home Loans and Home Equity. The company operates business solely in India, with a retail network of branches and satellite centers expanding across several states.
78GF Score
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