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Morabaha Marina Financing CoSAU:4082 +0.91%52 Gross Margin % is 48.93% as of Mar. 2026, which is 5% below its 10-year median of 51.70. GuruFocus rates SAU:4082 with a GF Score™ of 52/100 and a GF Value™ of ﷼11.60 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 387 Credit Services companies, Morabaha Marina Financing Co ranks better than 50.13% on this metric.
Morabaha Marina Financing Co (SAU:4082) 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
Morabaha Marina Financing Co had a gross margin of 48.93% 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.
Morabaha Marina Financing Co Gross Margin % Related Terms
Morabaha Marina Financing Co Gross Margin % Historical Data
* 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, Morabaha Marina Financing Co'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.
Morabaha Marina Financing Co Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Morabaha Marina Financing Co's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Morabaha Marina Financing Co'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.
Morabaha Marina Financing Co (SAU:4082) has a Gross Margin % of 48.93% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Morabaha Marina Financing Co and its competitors. This is near median its historical median of 51.70. Over the past decade, Morabaha Marina Financing Co's Gross Margin % has ranged from 40.34 to 63.32. According to the industry distribution chart, Morabaha Marina Financing Co ranks #193 out of 387 companies in the Credit Services industry, placing it in the top 49.9%.
Is Morabaha Marina Financing Co's Gross Margin % too high?
Morabaha Marina Financing Co's current Gross Margin % of 48.93% is near median its 10-year median of 51.70. Over the past 10 years, this metric has ranged from a low of 40.34 to a high of 63.32. The Credit Services industry median Gross Margin % is 51.81. Morabaha Marina Financing Co's value of 48.93% is 5.6% below this industry median. Based on the distribution chart, Morabaha Marina Financing Co ranks #193 out of 387 companies in the Credit Services industry, which is above the industry midpoint. Overall, Morabaha Marina Financing Co has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Morabaha Marina Financing Co's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Morabaha Marina Financing Co ranks #193 out of 387 companies for Gross Margin %. This puts Morabaha Marina Financing Co in the upper half of its industry. The industry median Gross Margin % is 51.81. Morabaha Marina Financing Co's value of 48.93% is 5.6% below this benchmark. Historically, Morabaha Marina Financing Co's own Gross Margin % has ranged from 40.34 to 63.32 over the past decade. While the company's 10-year median is 51.70 vs. the industry median of 51.81, Morabaha Marina Financing Co 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 51.81, 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. Morabaha Marina Financing Co's current Gross Margin % of 48.93% is 5.6% 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 Morabaha Marina Financing Co and its competitors. For the Credit Services industry, the median Gross Margin % is 51.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Morabaha Marina Financing Co's current Gross Margin % is 48.93%, which is near median its own 10-year median of 51.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morabaha Marina Financing Co stock overvalued right now?
Based on GuruFocus' analysis, Morabaha Marina Financing Co (SAU:4082) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼11.60, compared to a current price of ﷼7.79 — trading 32.8% below its estimated fair value. The current Gross Margin % is 48.93%, which is near median its 10-year median of 51.70 and 5.6% below the Credit Services industry median of 51.81. Morabaha Marina Financing Co's overall GF Score™ is 52/100 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 Morabaha Marina Financing Co (SAU:4082), the current Gross Margin % is 48.93% 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 Morabaha Marina Financing Co (SAU:4082) Overvalued in 2026?
Based on GuruFocus' analysis, Morabaha Marina Financing Co stock appears to be undervalued.
The current stock price of ﷼7.79 is trading 32.8% below its estimated GF Value™ of ﷼11.60.
GuruFocus considers Morabaha Marina Financing Co to be Possible Value Trap.
Key valuation signals for SAU:4082:
Gross Margin %: 48.93% (near median its 10-year median of 51.70)
GF Value™: ﷼11.60 vs. price of ﷼7.79 (32.8% below fair value)
Industry Position: 5.6% below the Credit Services median (#193 of 387)
No single metric tells the full story. See the SAU:4082 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morabaha Marina Financing Co provides non-bank financing. The company follows Sharia principles and offers flexible solutions in financing individuals and small and medium enterprises in the Kingdom of Saudi Arabia, in addition to evolved financing solutions such as tawarruq, ejara, and morabaha products. Its services, like individual financing, securitization, financial leasing, discounting, etc, are offered through a network of brand offices and point of sale centers across different cities in Saudi Arabia. Additionally, the company also offers electronic payment services and is developing digital channels to offer financial solutions through its official website. Its operating business segments are: Retail, which generates the maximum revenue, SMEs, Digital Payments, and Head Office.
52GF Score
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