SaveLend Group ABOSTO:YIELD -7.14%57 Gross Margin % is 78.52% as of Dec. 2025, which is 40% above its 10-year median of 56.08. GuruFocus rates OSTO:YIELD with a GF Score™ of 57/100 and a GF Value™ of kr1.70 (Fairly Valued). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, SaveLend Group AB ranks better than 83.98% on this metric.
SaveLend Group AB gross margin has been in long-term decline. The average rate of decline per year is -7%.
The historical rank and industry rank for SaveLend Group AB's Gross Margin % or its related term are showing as below:
OSTO:YIELD'
s Gross Margin % Range Over the Past 10 Years
Min: 47.9 Med: 56.08 Max: 78.52
Current: 78.52
During the past 7 years, the highestGross Margin % of SaveLend Group AB was 78.52%. The lowest was 47.90%. And the median was 56.08%.
OSTO:YIELD's Gross Margin % is ranked better than 83.98% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs OSTO:YIELD: 78.52
SaveLend Group AB had a gross margin of 78.52% for the quarter that ended in Dec. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for SaveLend Group AB was -7.00% per year.
SaveLend Group AB (OSTO:YIELD) 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
SaveLend Group AB had a gross margin of 78.52% 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.
SaveLend Group AB Gross Margin % Related Terms
SaveLend Group AB Gross Margin % Historical Data
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The historical data trend for SaveLend Group 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:YIELD vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, SaveLend Group 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.
SaveLend Group AB Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's Gross Margin % distribution charts can be found below:
* The bar in red indicates where SaveLend Group 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.
SaveLend Group AB (OSTO:YIELD) has a Gross Margin % of 78.52% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on SaveLend Group AB and its competitors. This is 40% above median its historical median of 56.08. Over the past decade, SaveLend Group AB's Gross Margin % has ranged from 47.90 to 78.52. According to the industry distribution chart, SaveLend Group AB ranks #62 out of 387 companies in the Credit Services industry, placing it in the top 16%.
Is SaveLend Group AB's Gross Margin % too high?
SaveLend Group AB's current Gross Margin % of 78.52% is 40% above median its 10-year median of 56.08. Over the past 10 years, this metric has ranged from a low of 47.90 to a high of 78.52. The Credit Services industry median Gross Margin % is 51.88. SaveLend Group AB's value of 78.52% is 51.3% above this industry median. Based on the distribution chart, SaveLend Group AB ranks #62 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SaveLend Group AB has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SaveLend Group AB ranks #62 out of 387 companies for Gross Margin %. This places SaveLend Group AB in the top 16% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. SaveLend Group AB's value of 78.52% is 51.3% above this benchmark. Historically, SaveLend Group AB's own Gross Margin % has ranged from 47.90 to 78.52 over the past decade. While the company's 10-year median is 56.08 vs. the industry median of 51.88, SaveLend Group 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. SaveLend Group AB's current Gross Margin % of 78.52% is 51.3% 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 SaveLend Group 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. SaveLend Group AB's current Gross Margin % is 78.52%, which is 40% above median its own 10-year median of 56.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SaveLend Group AB stock overvalued right now?
Based on GuruFocus' analysis, SaveLend Group AB (OSTO:YIELD) is currently considered Fairly Valued. The stock's GF Value™ is kr1.70, compared to a current price of kr1.56 — trading 8.2% below its estimated fair value. The current Gross Margin % is 78.52%, which is 40% above median its 10-year median of 56.08 and 51.3% above the Credit Services industry median of 51.88. SaveLend Group AB's overall GF Score™ is 57/100 with 4 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 SaveLend Group AB (OSTO:YIELD), the current Gross Margin % is 78.52% 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 SaveLend Group AB (OSTO:YIELD) Overvalued in 2026?
Based on GuruFocus' analysis, SaveLend Group AB stock appears to be undervalued.
The current stock price of kr1.56 is trading 8.2% below its estimated GF Value™ of kr1.70.
GuruFocus considers SaveLend Group AB to be Fairly Valued.
Key valuation signals for OSTO:YIELD:
Gross Margin %: 78.52% (40% above median its 10-year median of 56.08)
GF Value™: kr1.70 vs. price of kr1.56 (8.2% below fair value)
Industry Position: 51.3% above the Credit Services median (#62 of 387)
No single metric tells the full story. See the OSTO:YIELD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SaveLend Group AB is fintech company engaged in the peer-to-peer lending segment. The group has two operating segments. The Savings Platform encompasses all activities related to savers and intermediated loans. The Invoice Platform is the operating segment that includes all invoice service activities.
57GF 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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