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Haosen Fintech GroupHKSE:03848 +2.91%53 Gross Margin % is 89.78% as of Dec. 2025, which is 17% above its 10-year median of 77.01. GuruFocus rates HKSE:03848 with a GF Score™ of 53/100 and a GF Value™ of HK$0.88 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 387 Credit Services companies, Haosen Fintech Group ranks better than 85.27% on this metric.
Haosen Fintech Group (HKSE:03848) 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
Haosen Fintech Group had a gross margin of 89.78% 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.
Haosen Fintech Group Gross Margin % Related Terms
Haosen Fintech Group Gross Margin % Historical Data
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The historical data trend for Haosen Fintech Group'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.
HKSE:03848 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Haosen Fintech Group'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.
Haosen Fintech Group Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Haosen Fintech Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Haosen Fintech Group'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.
Haosen Fintech Group (HKSE:03848) has a Gross Margin % of 89.78% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Haosen Fintech Group and its competitors. This is 17% above median its historical median of 77.01. Over the past decade, Haosen Fintech Group's Gross Margin % has ranged from 72.86 to 92.36. According to the industry distribution chart, Haosen Fintech Group ranks #57 out of 387 companies in the Credit Services industry, placing it in the top 14.7%.
Is Haosen Fintech Group's Gross Margin % too high?
Haosen Fintech Group's current Gross Margin % of 89.78% is 17% above median its 10-year median of 77.01. Over the past 10 years, this metric has ranged from a low of 72.86 to a high of 92.36. The Credit Services industry median Gross Margin % is 50.82. Haosen Fintech Group's value of 89.78% is 76.7% above this industry median. Based on the distribution chart, Haosen Fintech Group ranks #57 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Haosen Fintech Group has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Haosen Fintech Group's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Haosen Fintech Group ranks #57 out of 387 companies for Gross Margin %. This places Haosen Fintech Group in the top 15% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 50.82. Haosen Fintech Group's value of 89.78% is 76.7% above this benchmark. Historically, Haosen Fintech Group's own Gross Margin % has ranged from 72.86 to 92.36 over the past decade. While the company's 10-year median is 77.01 vs. the industry median of 50.82, Haosen Fintech Group 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 50.82, 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. Haosen Fintech Group's current Gross Margin % of 89.78% is 76.7% 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 Haosen Fintech Group and its competitors. For the Credit Services industry, the median Gross Margin % is 50.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Haosen Fintech Group's current Gross Margin % is 89.78%, which is 17% above median its own 10-year median of 77.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Haosen Fintech Group stock overvalued right now?
Based on GuruFocus' analysis, Haosen Fintech Group (HKSE:03848) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.88, compared to a current price of HK$2.12 — trading 140.9% above its estimated fair value. The current Gross Margin % is 89.78%, which is 17% above median its 10-year median of 77.01 and 76.7% above the Credit Services industry median of 50.82. Haosen Fintech Group's overall GF Score™ is 53/100 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 Haosen Fintech Group (HKSE:03848), the current Gross Margin % is 89.78% 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 Haosen Fintech Group (HKSE:03848) Overvalued in 2026?
Based on GuruFocus' analysis, Haosen Fintech Group stock appears to be overvalued.
The current stock price of HK$2.12 is trading 140.9% above its estimated GF Value™ of HK$0.88.
GuruFocus considers Haosen Fintech Group to be Significantly Overvalued.
Key valuation signals for HKSE:03848:
Gross Margin %: 89.78% (17% above median its 10-year median of 77.01)
GF Value™: HK$0.88 vs. price of HK$2.12 (140.9% above fair value)
Industry Position: 76.7% above the Credit Services median (#57 of 387)
No single metric tells the full story. See the HKSE:03848 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Haosen Fintech Group Ltd is engaged in the provision of small loans and related loan facilitation services in the PRC; and provision of investment management and advisory services, securities dealing and broking services, and other financial services in Hong Kong. Its segment includes Finance lease and factoring related services; Microcredit and loan facilitation related services; & Securities dealing and broking, and other financial services. It generates the majority of its revenue from the Microcredit and loan facilitation-related services segment, which includes the provision of (a) micro-credit and subordinated mortgage to individuals and corporates; and (b) post-loan facilitation-related services in the PRC. Geographically, the company derives a majority of its revenue from the PRC.
53GF Score
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