General CapitalNZSE:GEN 42 Gross Margin % is 100.02% as of Mar. 2026, which is 1% above its 10-year median of 98.76. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 44 Banks companies, General Capital ranks better than 93.18% on this metric.
The historical rank and industry rank for General Capital's Gross Margin % or its related term are showing as below:
NZSE:GEN'
s Gross Margin % Range Over the Past 10 Years
Min: 89.09 Med: 98.76 Max: 99.29
Current: 98.5
During the past 13 years, the highestGross Margin % of General Capital was 99.29%. The lowest was 89.09%. And the median was 98.76%.
NZSE:GEN's Gross Margin % is ranked better than 93.18% of 44
companies
in the Banks industry
Industry Median: 41.015
vs NZSE:GEN: 98.50
General Capital had a gross margin of 100.02% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for General Capital was -1.00% per year.
General Capital (NZSE:GEN) 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
General Capital had a gross margin of 100.02% 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.
General Capital Gross Margin % Related Terms
General Capital Gross Margin % Historical Data
* Premium members only.
The historical data trend for General 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.
NZSE:GEN vs RKT, FNMA, PFSI: Gross Margin % Comparison
For the Mortgage Finance subindustry, General 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.
General Capital Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's Gross Margin % distribution charts can be found below:
* The bar in red indicates where General 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.
General Capital (NZSE:GEN) has a Gross Margin % of 100.02% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on General Capital and its competitors. This is near median its historical median of 98.76. Over the past decade, General Capital's Gross Margin % has ranged from 89.09 to 99.29. According to the industry distribution chart, General Capital ranks #3 out of 44 companies in the Banks industry, placing it in the top 6.8%.
Is General Capital's Gross Margin % too high?
General Capital's current Gross Margin % of 100.02% is near median its 10-year median of 98.76. Over the past 10 years, this metric has ranged from a low of 89.09 to a high of 99.29. The Banks industry median Gross Margin % is 41.02. General Capital's value of 100.02% is 143.9% above this industry median. Based on the distribution chart, General Capital ranks #3 out of 44 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #3 out of 44 companies for Gross Margin %. This places General Capital in the top 7% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 41.02. General Capital's value of 100.02% is 143.9% above this benchmark. Historically, General Capital's own Gross Margin % has ranged from 89.09 to 99.29 over the past decade. While the company's 10-year median is 98.76 vs. the industry median of 41.02, General 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. General Capital's current Gross Margin % of 100.02% is 143.9% 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 General 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. General Capital's current Gross Margin % is 100.02%, which is near median its own 10-year median of 98.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.97, compared to a current price of NZ$0.27 — trading 72.7% below its estimated fair value. The current Gross Margin % is 100.02%, which is near median its 10-year median of 98.76 and 143.9% above the Banks industry median of 41.02. General Capital's overall GF Score™ is 42/100 with 3 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 General Capital (NZSE:GEN), the current Gross Margin % is 100.02% 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.
Is General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.27 is trading 72.7% below its estimated GF Value™ of NZ$0.97.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
Gross Margin %: 100.02% (near median its 10-year median of 98.76)
GF Value™: NZ$0.97 vs. price of NZ$0.27 (72.7% below fair value)
Industry Position: 143.9% above the Banks median (#3 of 44)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score
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