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Muninova HoldingsAIFLY 65 Gross Margin % is 93.18% as of Dec. 2025, which is 0% above its 10-year median of 93.14. GuruFocus rates AIFLY with a GF Score™ of 65/100 and a GF Value™ of $1.64. The stock has 5 warning signs investors should review. Among 390 Credit Services companies, Muninova Holdings ranks better than 96.92% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Muninova Holdings had a gross margin of 93.18% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Muninova Holdings Gross Margin % Related Terms
Muninova Holdings Gross Margin % Historical Data
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The historical data trend for Muninova Holdings's Gross 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.
For the Credit Services subindustry, Muninova Holdings's Gross Margin %, along with its competitors' market caps and Gross 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.
Muninova Holdings Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muninova Holdings's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Muninova Holdings's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Muninova Holdings (AIFLY) has a Gross Margin % of 93.18% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Muninova Holdings and its competitors. This is near median its historical median of 93.14. Over the past decade, Muninova Holdings' Gross Margin % has ranged from 82.34 to 95.36. According to the industry distribution chart, Muninova Holdings ranks #12 out of 390 companies in the Credit Services industry, placing it in the top 3.1%.
Is Muninova Holdings' Gross Margin % too high?
Muninova Holdings' current Gross Margin % of 93.18% is near median its 10-year median of 93.14. Over the past 10 years, this metric has ranged from a low of 82.34 to a high of 95.36. The Credit Services industry median Gross Margin % is 51.16. Muninova Holdings' value of 93.18% is 82.1% above this industry median. Based on the distribution chart, Muninova Holdings ranks #12 out of 390 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Muninova Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Muninova Holdings ranks #12 out of 390 companies for Gross Margin %. This places Muninova Holdings in the top 3% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.16. Muninova Holdings' value of 93.18% is 82.1% above this benchmark. Historically, Muninova Holdings' own Gross Margin % has ranged from 82.34 to 95.36 over the past decade. While the company's 10-year median is 93.14 vs. the industry median of 51.16, Muninova Holdings 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.16, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muninova Holdings's current Gross Margin % of 93.18% is 82.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Muninova Holdings and its competitors. For the Credit Services industry, the median Gross Margin % is 51.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muninova Holdings's current Gross Margin % is 93.18%, which is near median its own 10-year median of 93.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current Gross Margin % of 93.18%. The stock's GF Value™ is $1.64, compared to a current price of $1.40 — trading 14.6% below its estimated fair value. The current Gross Margin % is 93.18%, which is near median its 10-year median of 93.14 and 82.1% above the Credit Services industry median of 51.16. Muninova Holdings' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Muninova Holdings (AIFLY), the current Gross Margin % is 93.18% as of Dec. 2025. 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 Muninova Holdings (AIFLY) Overvalued in 2026?
Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued.
The current stock price of $1.40 is trading 14.6% below its estimated GF Value™ of $1.64.
Key valuation signals for AIFLY:
Gross Margin %: 93.18% (near median its 10-year median of 93.14)
GF Value™: $1.64 vs. price of $1.40 (14.6% below fair value)
Industry Position: 82.1% above the Credit Services median (#12 of 390)
No single metric tells the full story. See the AIFLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score
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