Qliro ABOSTO:QLIRO -0.79%68 Gross Margin % is 82.29% as of Mar. 2026, which is 46% above its 10-year median of 56.52. GuruFocus rates OSTO:QLIRO with a GF Score™ of 68/100 and a GF Value™ of kr17.65 (Fairly Valued). The stock has 6 warning signs investors should review. Among 387 Credit Services companies, Qliro AB ranks better than 85.79% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. Qliro AB's Gross Profit for the
three
months ended in Mar. 2026 was kr117.1 Mil. Qliro AB's Revenue for the
three
months ended in Mar. 2026 was kr142.3 Mil. Therefore, Qliro AB's Gross Margin % for the quarter that ended in Mar. 2026 was 82.29%.
Warning Sign:
Qliro AB gross margin has been in long-term decline. The average rate of decline per year is -6.9%.
The historical rank and industry rank for Qliro AB's Gross Margin % or its related term are showing as below:
OSTO:QLIRO'
s Gross Margin % Range Over the Past 10 Years
Min: 43.47 Med: 56.52 Max: 80.54
Current: 80.54
During the past 9 years, the highestGross Margin % of Qliro AB was 80.54%. The lowest was 43.47%. And the median was 56.52%.
OSTO:QLIRO's Gross Margin % is ranked better than 85.79% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs OSTO:QLIRO: 80.54
Qliro AB had a gross margin of 82.29% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Qliro AB was -6.90% per year.
Qliro AB (OSTO:QLIRO) 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
Qliro AB had a gross margin of 82.29% 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.
Qliro AB Gross Margin % Related Terms
Qliro AB Gross Margin % Historical Data
* Premium members only.
The historical data trend for Qliro AB'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.
OSTO:QLIRO vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Qliro AB'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.
Qliro AB Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB (OSTO:QLIRO) has a Gross Margin % of 82.29% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Qliro AB and its competitors. This is 46% above median its historical median of 56.52. Over the past decade, Qliro AB's Gross Margin % has ranged from 43.47 to 80.54. According to the industry distribution chart, Qliro AB ranks #55 out of 387 companies in the Credit Services industry, placing it in the top 14.2%.
Is Qliro AB's Gross Margin % too high?
Qliro AB's current Gross Margin % of 82.29% is 46% above median its 10-year median of 56.52. Over the past 10 years, this metric has ranged from a low of 43.47 to a high of 80.54. The Credit Services industry median Gross Margin % is 51.88. Qliro AB's value of 82.29% is 58.6% above this industry median. Based on the distribution chart, Qliro AB ranks #55 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Qliro AB has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #55 out of 387 companies for Gross Margin %. This places Qliro AB in the top 14% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. Qliro AB's value of 82.29% is 58.6% above this benchmark. Historically, Qliro AB's own Gross Margin % has ranged from 43.47 to 80.54 over the past decade. While the company's 10-year median is 56.52 vs. the industry median of 51.88, Qliro AB 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 51.88, 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. Qliro AB's current Gross Margin % of 82.29% is 58.6% 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 Qliro AB and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qliro AB's current Gross Margin % is 82.29%, which is 46% above median its own 10-year median of 56.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (OSTO:QLIRO) is currently considered Fairly Valued. The stock's GF Value™ is kr17.65, compared to a current price of kr18.75 — trading 6.2% above its estimated fair value. The current Gross Margin % is 82.29%, which is 46% above median its 10-year median of 56.52 and 58.6% above the Credit Services industry median of 51.88. Qliro AB's overall GF Score™ is 68/100 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 Qliro AB (OSTO:QLIRO), the current Gross Margin % is 82.29% 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 Qliro AB (OSTO:QLIRO) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of kr18.75 is trading 6.2% above its estimated GF Value™ of kr17.65.
GuruFocus considers Qliro AB to be Fairly Valued.
Key valuation signals for OSTO:QLIRO:
Gross Margin %: 82.29% (46% above median its 10-year median of 56.52)
GF Value™: kr17.65 vs. price of kr18.75 (6.2% above fair value)
Industry Position: 58.6% above the Credit Services median (#55 of 387)
No single metric tells the full story. See the OSTO:QLIRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
68GF Score
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