TIDLOR Holdings PCLBKK:TIDLOR +1.04%11 Gross Margin % is 40.63% as of Mar. 2026, which is 40% below its 10-year median of 67.81. GuruFocus rates BKK:TIDLOR with a GF Score™ of 11/100. The stock has 2 warning signs investors should review. Among 386 Credit Services companies, TIDLOR Holdings PCL ranks better than 66.84% 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
TIDLOR Holdings PCL had a gross margin of 40.63% for the quarter that ended in Mar. 2026 => 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.
TIDLOR Holdings PCL Gross Margin % Related Terms
TIDLOR Holdings PCL Gross Margin % Historical Data
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The historical data trend for TIDLOR Holdings 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:TIDLOR vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, TIDLOR Holdings 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.
TIDLOR Holdings PCL Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TIDLOR Holdings PCL's Gross Margin % distribution charts can be found below:
* The bar in red indicates where TIDLOR Holdings 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.
TIDLOR Holdings PCL (BKK:TIDLOR) has a Gross Margin % of 40.63% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on TIDLOR Holdings PCL and its competitors. This is 40% below median its historical median of 67.81. Over the past decade, TIDLOR Holdings PCL's Gross Margin % has ranged from 66.96 to 68.29. According to the industry distribution chart, TIDLOR Holdings PCL ranks #128 out of 386 companies in the Credit Services industry, placing it in the top 33.2%.
Is TIDLOR Holdings PCL's Gross Margin % too high?
TIDLOR Holdings PCL's current Gross Margin % of 40.63% is 40% below median its 10-year median of 67.81. Over the past 10 years, this metric has ranged from a low of 66.96 to a high of 68.29. The Credit Services industry median Gross Margin % is 51.85. TIDLOR Holdings PCL's value of 40.63% is 21.6% below this industry median. Based on the distribution chart, TIDLOR Holdings PCL ranks #128 out of 386 companies in the Credit Services industry, which is above the industry midpoint. Overall, TIDLOR Holdings PCL has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does TIDLOR Holdings PCL's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, TIDLOR Holdings PCL ranks #128 out of 386 companies for Gross Margin %. This puts TIDLOR Holdings PCL in the upper half of its industry. The industry median Gross Margin % is 51.85. TIDLOR Holdings PCL's value of 40.63% is 21.6% below this benchmark. Historically, TIDLOR Holdings PCL's own Gross Margin % has ranged from 66.96 to 68.29 over the past decade. While the company's 10-year median is 67.81 vs. the industry median of 51.85, TIDLOR Holdings PCL 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 386 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. TIDLOR Holdings PCL's current Gross Margin % of 40.63% is 21.6% 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 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 TIDLOR Holdings PCL and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TIDLOR Holdings PCL's current Gross Margin % is 40.63%, which is 40% below median its own 10-year median of 67.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TIDLOR Holdings PCL stock overvalued right now?
TIDLOR Holdings PCL (BKK:TIDLOR) has a current Gross Margin % of 40.63%. The current Gross Margin % is 40.63%, which is 40% below median its 10-year median of 67.81 and 21.6% below the Credit Services industry median of 51.85. TIDLOR Holdings PCL's overall GF Score™ is 11/100 with 2 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 TIDLOR Holdings PCL (BKK:TIDLOR), the current Gross Margin % is 40.63% 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.
TIDLOR Holdings PCL operates in the lending and insurance brokerage business. The principal business of the company is to provide loans and hire-purchase for all types of vehicles, as well as non-life insurance brokerage and life insurance brokerage. The operating segments of the company are:: Non-life insurance broker; and Hire-purchase and lending service. It derives maximum revenue from Hire-purchase and lending service segment. The company operates only in Thailand.
11GF Score
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