Micro Leasing PCLBKK:MICRO 79 Gross Margin % is 84.64% as of Dec. 2025, which is 1% below its 10-year median of 85.28. GuruFocus rates BKK:MICRO with a GF Score™ of 79/100 and a GF Value™ of ฿1.10 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 387 Credit Services companies, Micro Leasing PCL ranks better than 86.56% 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
Micro Leasing PCL had a gross margin of 84.64% 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.
Micro Leasing PCL Gross Margin % Related Terms
Micro Leasing PCL Gross Margin % Historical Data
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The historical data trend for Micro Leasing PCL'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.
BKK:MICRO vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Micro Leasing PCL'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.
Micro Leasing PCL Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Micro Leasing PCL's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Micro Leasing PCL'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.
Micro Leasing PCL (BKK:MICRO) has a Gross Margin % of 84.64% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Micro Leasing PCL and its competitors. This is near median its historical median of 85.28. Over the past decade, Micro Leasing PCL's Gross Margin % has ranged from 77.53 to 89.88. According to the industry distribution chart, Micro Leasing PCL ranks #52 out of 387 companies in the Credit Services industry, placing it in the top 13.4%.
Is Micro Leasing PCL's Gross Margin % too high?
Micro Leasing PCL's current Gross Margin % of 84.64% is near median its 10-year median of 85.28. Over the past 10 years, this metric has ranged from a low of 77.53 to a high of 89.88. The Credit Services industry median Gross Margin % is 51.88. Micro Leasing PCL's value of 84.64% is 63.1% above this industry median. Based on the distribution chart, Micro Leasing PCL ranks #52 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Micro Leasing PCL has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Micro Leasing PCL's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Micro Leasing PCL ranks #52 out of 387 companies for Gross Margin %. This places Micro Leasing PCL in the top 13% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. Micro Leasing PCL's value of 84.64% is 63.1% above this benchmark. Historically, Micro Leasing PCL's own Gross Margin % has ranged from 77.53 to 89.88 over the past decade. While the company's 10-year median is 85.28 vs. the industry median of 51.88, Micro Leasing PCL 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 51.88, based on 387 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. Micro Leasing PCL's current Gross Margin % of 84.64% is 63.1% 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 Micro Leasing PCL and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Micro Leasing PCL's current Gross Margin % is 84.64%, which is near median its own 10-year median of 85.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Micro Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Micro Leasing PCL (BKK:MICRO) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿1.10, compared to a current price of ฿0.96 — trading 12.7% below its estimated fair value. The current Gross Margin % is 84.64%, which is near median its 10-year median of 85.28 and 63.1% above the Credit Services industry median of 51.88. Micro Leasing PCL's overall GF Score™ is 79/100 with 9 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 Micro Leasing PCL (BKK:MICRO), the current Gross Margin % is 84.64% 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 Micro Leasing PCL (BKK:MICRO) Overvalued in 2026?
Based on GuruFocus' analysis, Micro Leasing PCL stock appears to be undervalued.
The current stock price of ฿0.96 is trading 12.7% below its estimated GF Value™ of ฿1.10.
GuruFocus considers Micro Leasing PCL to be Modestly Undervalued.
Key valuation signals for BKK:MICRO:
Gross Margin %: 84.64% (near median its 10-year median of 85.28)
GF Value™: ฿1.10 vs. price of ฿0.96 (12.7% below fair value)
Industry Position: 63.1% above the Credit Services median (#52 of 387)
No single metric tells the full story. See the BKK:MICRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Micro Leasing PCL is engaged in the business of providing hire purchase loans for used trucks, such as six-wheel, ten-wheel, and motorcycles. The Group's operations involves operating segments which are hire purchase of trucks business, hire purchase of motorcycles business; insurance brokerage business and personal loan business. The company carries its operations in Thailand. It generates majority of its revenue from Hire purchase of trucks business.
79GF Score
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