ECN CapitalECNCF +0.40%48 Gross Margin % is 50.11% as of Dec. 2025, which is 9% above its 10-year median of 46.17. GuruFocus rates ECNCF with a GF Score™ of 48/100 and a GF Value™ of $2.43 (Fairly Valued). The stock has 6 warning signs investors should review. Among 44 Banks companies, ECN Capital ranks better than 65.91% on this metric.
ECN Capital Corp gross margin has been in long-term decline. The average rate of decline per year is -5%.
The historical rank and industry rank for ECN Capital's Gross Margin % or its related term are showing as below:
ECNCF'
s Gross Margin % Range Over the Past 10 Years
Min: -92.3 Med: 46.17 Max: 59.15
Current: 48.92
During the past 13 years, the highestGross Margin % of ECN Capital was 59.15%. The lowest was -92.30%. And the median was 46.17%.
ECNCF's Gross Margin % is ranked better than 65.91% of 44
companies
in the Banks industry
Industry Median: 41.015
vs ECNCF: 48.92
ECN Capital had a gross margin of 50.11% for the quarter that ended in Dec. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for ECN Capital was -5.00% per year.
ECN Capital (OTCPK:ECNCF) Gross Margin % Explanation
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
ECN Capital had a gross margin of 50.11% 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.
ECN Capital Gross Margin % Related Terms
ECN Capital Gross Margin % Historical Data
* Premium members only.
The historical data trend for ECN Capital'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.
ECNCF vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, ECN Capital'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.
ECN Capital Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ECN Capital's Gross Margin % distribution charts can be found below:
* The bar in red indicates where ECN Capital'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.
ECN Capital (ECNCF) has a Gross Margin % of 50.11% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on ECN Capital and its competitors. This is near median its historical median of 46.17. According to the industry distribution chart, ECN Capital ranks #15 out of 44 companies in the Banks industry, placing it in the top 34.1%.
Is ECN Capital's Gross Margin % too high?
ECN Capital's current Gross Margin % of 50.11% is near median its 10-year median of 46.17. The Banks industry median Gross Margin % is 41.02. ECN Capital's value of 50.11% is 22.2% above this industry median. Based on the distribution chart, ECN Capital ranks #15 out of 44 companies in the Banks industry, which is above the industry midpoint. Overall, ECN Capital has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ECN Capital's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, ECN Capital ranks #15 out of 44 companies for Gross Margin %. This puts ECN Capital in the upper half of its industry. The industry median Gross Margin % is 41.02. ECN Capital's value of 50.11% is 22.2% above this benchmark. While the company's 10-year median is 46.17 vs. the industry median of 41.02, ECN Capital 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 Banks company?
The median Gross Margin % among Banks companies is 41.02, based on 44 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. ECN Capital's current Gross Margin % of 50.11% is 22.2% 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 ECN Capital and its competitors. For the Banks industry, the median Gross Margin % is 41.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECN Capital's current Gross Margin % is 50.11%, which is near median its own 10-year median of 46.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECN Capital stock overvalued right now?
Based on GuruFocus' analysis, ECN Capital (ECNCF) is currently considered Fairly Valued. The stock's GF Value™ is $2.43, compared to a current price of $2.26 — trading 7% below its estimated fair value. The current Gross Margin % is 50.11%, which is near median its 10-year median of 46.17 and 22.2% above the Banks industry median of 41.02. ECN Capital's overall GF Score™ is 48/100 with 6 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 ECN Capital (ECNCF), the current Gross Margin % is 50.11% 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 ECN Capital (ECNCF) Overvalued in 2026?
Based on GuruFocus' analysis, ECN Capital stock appears to be undervalued.
The current stock price of $2.26 is trading 7% below its estimated GF Value™ of $2.43.
GuruFocus considers ECN Capital to be Fairly Valued.
Key valuation signals for ECNCF:
Gross Margin %: 50.11% (near median its 10-year median of 46.17)
GF Value™: $2.43 vs. price of $2.26 (7% below fair value)
Industry Position: 22.2% above the Banks median (#15 of 44)
No single metric tells the full story. See the ECNCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ECN Capital Corp is a financial business service provider. The group originates, manages, and advises on credit assets on behalf of its partners, specifically consumer loans and commercial loans. Its operating segments are: Manufactured Housing Finance and Recreational Vehicle and Marine (RV and Marine) Finance. The group generates maximum revenue from the Manufactured Housing Finance segment.
48GF Score
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