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J and Friends HoldingsJF +1.09%24 Gross Margin % is 29.50% as of Dec. 2025, which is 2% above its 10-year median of 29.05. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 388 Credit Services companies, J and Friends Holdings ranks better than 71.65% on this metric.
J and Friends Holdings (NAS:JF) 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
J and Friends Holdings had a gross margin of 29.50% for the quarter that ended in Dec. 2025 => Competition eroding margins
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.
J and Friends Holdings Gross Margin % Related Terms
J and Friends Holdings Gross Margin % Historical Data
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The historical data trend for J and Friends Holdings'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.
JF vs STQN, AIJTY, SPST: Gross Margin % Comparison
For the Credit Services subindustry, J and Friends Holdings'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.
J and Friends Holdings Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's Gross Margin % distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings'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.
J and Friends Holdings (JF) has a Gross Margin % of 29.50% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on J and Friends Holdings and its competitors. This is near median its historical median of 29.05. According to the industry distribution chart, J and Friends Holdings ranks #110 out of 388 companies in the Credit Services industry, placing it in the top 28.4%.
Is J and Friends Holdings' Gross Margin % too high?
J and Friends Holdings' current Gross Margin % of 29.50% is near median its 10-year median of 29.05. The Credit Services industry median Gross Margin % is 50.88. J and Friends Holdings' value of 29.50% is 42% below this industry median. Based on the distribution chart, J and Friends Holdings ranks #110 out of 388 companies in the Credit Services industry, which is above the industry midpoint. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' Gross Margin % compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #110 out of 388 companies for Gross Margin %. This puts J and Friends Holdings in the upper half of its industry. The industry median Gross Margin % is 50.88. J and Friends Holdings' value of 29.50% is 42% below this benchmark. While the company's 10-year median is 29.05 vs. the industry median of 50.88, J and Friends Holdings 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 50.88, 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. J and Friends Holdings's current Gross Margin % of 29.50% is 42% 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median Gross Margin % is 50.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current Gross Margin % is 29.50%, which is near median its own 10-year median of 29.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current Gross Margin % of 29.50%. The current Gross Margin % is 29.50%, which is near median its 10-year median of 29.05 and 42% below the Credit Services industry median of 50.88. J and Friends Holdings' overall GF Score™ is 24/100 with 5 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 J and Friends Holdings (JF), the current Gross Margin % is 29.50% 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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