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FY Financial (Shenzhen) CoHKSE:08452 58 Gross Margin % is 73.23% as of Dec. 2025, which is 13% above its 10-year median of 64.73. GuruFocus rates HKSE:08452 with a GF Score™ of 58/100 and a GF Value™ of HK$0.44 (Possible Value Trap). The stock has 11 warning signs investors should review. Among 388 Credit Services companies, FY Financial (Shenzhen) Co ranks worse than 56.19% on this metric.
FY Financial (Shenzhen) Co (HKSE:08452) 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
FY Financial (Shenzhen) Co had a gross margin of 73.23% 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.
FY Financial (Shenzhen) Co Gross Margin % Related Terms
FY Financial (Shenzhen) Co Gross Margin % Historical Data
* 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:08452 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, FY Financial (Shenzhen) Co'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.
FY Financial (Shenzhen) Co Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FY Financial (Shenzhen) Co's Gross Margin % distribution charts can be found below:
* The bar in red indicates where FY Financial (Shenzhen) Co'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.
FY Financial (Shenzhen) Co (HKSE:08452) has a Gross Margin % of 73.23% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on FY Financial (Shenzhen) Co and its competitors. This is 13% above median its historical median of 64.73. Over the past decade, FY Financial (Shenzhen) Co's Gross Margin % has ranged from 30.40 to 86.26. According to the industry distribution chart, FY Financial (Shenzhen) Co ranks #218 out of 388 companies in the Credit Services industry, placing it in the top 56.2%.
Is FY Financial (Shenzhen) Co's Gross Margin % too high?
FY Financial (Shenzhen) Co's current Gross Margin % of 73.23% is 13% above median its 10-year median of 64.73. Over the past 10 years, this metric has ranged from a low of 30.40 to a high of 86.26. The Credit Services industry median Gross Margin % is 51.85. FY Financial (Shenzhen) Co's value of 73.23% is 41.2% above this industry median. Based on the distribution chart, FY Financial (Shenzhen) Co ranks #218 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, FY Financial (Shenzhen) Co has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does FY Financial (Shenzhen) Co's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, FY Financial (Shenzhen) Co ranks #218 out of 388 companies for Gross Margin %. This places FY Financial (Shenzhen) Co in the lower half of its industry. The industry median Gross Margin % is 51.85. FY Financial (Shenzhen) Co's value of 73.23% is 41.2% above this benchmark. Historically, FY Financial (Shenzhen) Co's own Gross Margin % has ranged from 30.40 to 86.26 over the past decade. While the company's 10-year median is 64.73 vs. the industry median of 51.85, FY Financial (Shenzhen) Co 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 51.85, based on 388 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. FY Financial (Shenzhen) Co's current Gross Margin % of 73.23% is 41.2% 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 FY Financial (Shenzhen) Co 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. FY Financial (Shenzhen) Co's current Gross Margin % is 73.23%, which is 13% above median its own 10-year median of 64.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FY Financial (Shenzhen) Co stock overvalued right now?
Based on GuruFocus' analysis, FY Financial (Shenzhen) Co (HKSE:08452) is currently considered Possible Value Trap. The stock's GF Value™ is HK$0.44, compared to a current price of HK$0.18 — trading 59.1% below its estimated fair value. The current Gross Margin % is 73.23%, which is 13% above median its 10-year median of 64.73 and 41.2% above the Credit Services industry median of 51.85. FY Financial (Shenzhen) Co's overall GF Score™ is 58/100 with 11 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 FY Financial (Shenzhen) Co (HKSE:08452), the current Gross Margin % is 73.23% 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 FY Financial (Shenzhen) Co (HKSE:08452) Overvalued in 2026?
Based on GuruFocus' analysis, FY Financial (Shenzhen) Co stock appears to be undervalued.
The current stock price of HK$0.18 is trading 59.1% below its estimated GF Value™ of HK$0.44.
GuruFocus considers FY Financial (Shenzhen) Co to be Possible Value Trap.
Key valuation signals for HKSE:08452:
Gross Margin %: 73.23% (13% above median its 10-year median of 64.73)
GF Value™: HK$0.44 vs. price of HK$0.18 (59.1% below fair value)
Industry Position: 41.2% above the Credit Services median (#218 of 388)
No single metric tells the full story. See the HKSE:08452 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FY Financial (Shenzhen) Co Ltd is principally engaged in the provision of financial leasing, factoring and advisory services, customer referral services, the supply of medical equipment, energy storage business and cross-border e-commence business in the PRC. The company's reportable segments are as follows: i) Financial and advisory business - comprises direct finance leasing, sale-leaseback transactions, factoring, advisory services and investment holding, ii) Trading operation business - comprises trading of electronic products, and iii) Energy storage business - comprises trading of energy storage system and energy storage solutions and general contraction. The majority of the company's revenue is derived from the Energy storage business.
58GF Score
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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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