Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OxPay FinancialSGX:TVV Gross Margin % is 21.62% as of Mar. 2026, which is 43% below its 10-year median of 38.14. The stock has 2 warning signs investors should review. Among 2,690 Software companies, OxPay Financial ranks worse than 55.91% 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
OxPay Financial had a gross margin of 21.62% for the quarter that ended in Mar. 2026 => Competition eroding margins
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.
OxPay Financial Gross Margin % Related Terms
OxPay Financial Gross Margin % Historical Data
* Premium members only.
The historical data trend for OxPay Financial'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.
SGX:TVV vs MSFT, ORCL, PLTR: Gross Margin % Comparison
For the Software - Infrastructure subindustry, OxPay Financial'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.
OxPay Financial Gross Margin % vs Software Industry
For the Software industry and Technology sector, OxPay Financial's Gross Margin % distribution charts can be found below:
* The bar in red indicates where OxPay Financial'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.
OxPay Financial (SGX:TVV) has a Gross Margin % of 21.62% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on OxPay Financial and its competitors. This is 43% below median its historical median of 38.14. Over the past decade, OxPay Financial's Gross Margin % has ranged from 17.26 to 63.75. According to the industry distribution chart, OxPay Financial ranks #1504 out of 2690 companies in the Software industry, placing it in the top 55.9%.
Is OxPay Financial's Gross Margin % too high?
OxPay Financial's current Gross Margin % of 21.62% is 43% below median its 10-year median of 38.14. Over the past 10 years, this metric has ranged from a low of 17.26 to a high of 63.75. The Software industry median Gross Margin % is 40.78. OxPay Financial's value of 21.62% is 47% below this industry median. Based on the distribution chart, OxPay Financial ranks #1504 out of 2690 companies in the Software industry, which is below the industry midpoint.
How does OxPay Financial's Gross Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, OxPay Financial ranks #1504 out of 2690 companies for Gross Margin %. This places OxPay Financial in the lower half of its industry. The industry median Gross Margin % is 40.78. OxPay Financial's value of 21.62% is 47% below this benchmark. Historically, OxPay Financial's own Gross Margin % has ranged from 17.26 to 63.75 over the past decade. While the company's 10-year median is 38.14 vs. the industry median of 40.78, OxPay Financial 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 Software company?
The median Gross Margin % among Software companies is 40.78, based on 2,690 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. OxPay Financial's current Gross Margin % of 21.62% is 47% 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 OxPay Financial and its competitors. For the Software industry, the median Gross Margin % is 40.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OxPay Financial's current Gross Margin % is 21.62%, which is 43% below median its own 10-year median of 38.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OxPay Financial stock overvalued right now?
Based on GuruFocus' analysis, OxPay Financial (SGX:TVV) is currently considered Modestly Undervalued. The stock's GF Value™ is S$0.04, compared to a current price of S$0.03 — trading 25% below its estimated fair value. The current Gross Margin % is 21.62%, which is 43% below median its 10-year median of 38.14 and 47% below the Software industry median of 40.78. 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 OxPay Financial (SGX:TVV), the current Gross Margin % is 21.62% 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.
OxPay Financial Ltd is a Singapore-based company. The principal activities of the Company and its subsidiaries are to carry on payment technology solution licensing, development, and related hardware sales and/or rental, and electronic payment processing as an aggregator and master merchant. The Group operates two business segments: the MPS business segment and the DCES business segment. The majority of its revenue is from the MPS business segment, which includes payment processing services through its unified platform and smart software. The firm derives key revenue from Singapore.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SGX:TVV has been successfully added to your 
