Geneva Finance (NZSE:GFL) Net Margin % : 5.86% (As of Sep. 2023)

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What is Geneva Finance Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Geneva Finance's Net Income for the six months ended in Sep. 2023 was NZ$1.47 Mil. Geneva Finance's Revenue for the six months ended in Sep. 2023 was NZ$25.07 Mil. Therefore, Geneva Finance's net margin for the quarter that ended in Sep. 2023 was 5.86%.

The historical rank and industry rank for Geneva Finance's Net Margin % or its related term are showing as below:

NZSE:GFL' s Net Margin % Range Over the Past 10 Years
Min: -84.02 Med: 19.88 Max: 49.13
Current: 4.33

NZSE:GFL's Net Margin % is ranked worse than
68.06% of 526 companies
in the Credit Services industry
Industry Median: 14.635 vs NZSE:GFL: 4.33

Geneva Finance Net Margin % Historical Data

The historical data trend for Geneva Finance's Net 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.

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Geneva Finance Net Margin % Chart

Geneva Finance Annual Data

Trend

Mar14

Mar15

Mar16

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Net Margin %

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15.45

12.94

23.78

15.98

6.91

Geneva Finance Semi-Annual Data
	Mar14	Sep14	Mar15	Sep15	Mar16	Sep16	Mar17	Sep17	Mar18	Sep18	Mar19	Sep19	Mar20	Sep20	Mar21	Sep21	Mar22	Sep22	Mar23	Sep23
Net Margin %	Get a 7-Day Free Trial															17.95	14.14	11.96	2.75	5.86

Competitive Comparison of Geneva Finance's Net Margin %

For the Credit Services subindustry, Geneva Finance's Net Margin %, along with its competitors' market caps and Net 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.

Geneva Finance's Net Margin % Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Geneva Finance's Net Margin % distribution charts can be found below:

* The bar in red indicates where Geneva Finance's Net Margin % falls into.

Geneva Finance Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Geneva Finance's Net Margin for the fiscal year that ended in Mar. 2023 is calculated as

Net Margin	=	Net Income (A: Mar. 2023 )	/	Revenue (A: Mar. 2023 )
	=	3.055	/	44.199
	=	6.91 %

Geneva Finance's Net Margin for the quarter that ended in Sep. 2023 is calculated as

Net Margin	=	Net Income (Q: Sep. 2023 )	/	Revenue (Q: Sep. 2023 )
	=	1.47	/	25.067
	=	5.86 %

Geneva Finance (NZSE:GFL) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Geneva Finance Net Margin % Related Terms

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Geneva Finance (NZSE:GFL) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Geneva Finance Ltd (NZSE:GFL) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

6B Pacific Rise, Mount Wellington, Panmure, Auckland, NZL, 1060

Website

https://www.genevafinance.co.nz

Geneva Finance Ltd is engaged in the provision of finance and financial services to the consumer credit markets. The company's operating segments are Corporate, New Business consumer finance, Insurance, Old Business consumer finance, Invoice Factoring, and Overseas. The New Business segment includes lending money to individuals, companies, and other entities. The Insurance segment issues temporary insurance contracts covering death, disablement, and redundancy risks and short-term motor vehicle contracts covering comprehensive, third-party, mechanical breakdown risk, and guaranteed asset protection. Its geographical segments are New Zealand and Tonga.