Makati FinancePHS:MFIN +10.61%58 Gross Margin % is 43.19% as of Mar. 2026, which is 1% above its 10-year median of 42.92. GuruFocus rates PHS:MFIN with a GF Score™ of 58/100 and a GF Value™ of ₱1.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 388 Credit Services companies, Makati Finance ranks worse than 54.9% on this metric.
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
Makati Finance had a gross margin of 43.19% 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.
Makati Finance Gross Margin % Related Terms
Makati Finance Gross Margin % Historical Data
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The historical data trend for Makati Finance'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.
For the Credit Services subindustry, Makati Finance'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.
Makati Finance Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance (PHS:MFIN) has a Gross Margin % of 43.19% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Makati Finance and its competitors. This is near median its historical median of 42.92. Over the past decade, Makati Finance's Gross Margin % has ranged from 38.43 to 53.09. According to the industry distribution chart, Makati Finance ranks #213 out of 388 companies in the Credit Services industry, placing it in the top 54.9%.
Is Makati Finance's Gross Margin % too high?
Makati Finance's current Gross Margin % of 43.19% is near median its 10-year median of 42.92. Over the past 10 years, this metric has ranged from a low of 38.43 to a high of 53.09. The Credit Services industry median Gross Margin % is 51.85. Makati Finance's value of 43.19% is 16.7% below this industry median. Based on the distribution chart, Makati Finance ranks #213 out of 388 companies in the Credit Services industry, which is below the industry midpoint. Overall, Makati Finance has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #213 out of 388 companies for Gross Margin %. This places Makati Finance in the lower half of its industry. The industry median Gross Margin % is 51.85. Makati Finance's value of 43.19% is 16.7% below this benchmark. Historically, Makati Finance's own Gross Margin % has ranged from 38.43 to 53.09 over the past decade. While the company's 10-year median is 42.92 vs. the industry median of 51.85, Makati Finance 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 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. Makati Finance's current Gross Margin % of 43.19% is 16.7% 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 Makati Finance 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. Makati Finance's current Gross Margin % is 43.19%, which is near median its own 10-year median of 42.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.19 — trading 13.5% above its estimated fair value. The current Gross Margin % is 43.19%, which is near median its 10-year median of 42.92 and 16.7% below the Credit Services industry median of 51.85. Makati Finance's overall GF Score™ is 58/100 with 8 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 Makati Finance (PHS:MFIN), the current Gross Margin % is 43.19% 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
Gross Margin %: 43.19% (near median its 10-year median of 42.92)
GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
Industry Position: 16.7% below the Credit Services median (#213 of 388)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
58GF Score
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