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Paysera Bulgaria JSCXBUL:PAY 13 Gross Margin % is 21.40% as of Dec. 2025, which is 25% below its 10-year median of 28.63. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review. Among 2,684 Software companies, Paysera Bulgaria JSC ranks worse than 75.37% 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
Paysera Bulgaria JSC had a gross margin of 21.40% for the quarter that ended in Dec. 2025 => 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.
Paysera Bulgaria JSC Gross Margin % Related Terms
Paysera Bulgaria JSC Gross Margin % Historical Data
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The historical data trend for Paysera Bulgaria JSC'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.
XBUL:PAY vs MSFT, PLTR, ORCL: Gross Margin % Comparison
For the Software - Infrastructure subindustry, Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC Gross Margin % vs Software Industry
For the Software industry and Technology sector, Paysera Bulgaria JSC's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC (XBUL:PAY) has a Gross Margin % of 21.40% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Paysera Bulgaria JSC and its competitors. This is 25% below median its historical median of 28.63. Over the past decade, Paysera Bulgaria JSC's Gross Margin % has ranged from 22.63 to 51.76. According to the industry distribution chart, Paysera Bulgaria JSC ranks #2023 out of 2684 companies in the Software industry, placing it in the top 75.4%.
Is Paysera Bulgaria JSC's Gross Margin % too high?
Paysera Bulgaria JSC's current Gross Margin % of 21.40% is 25% below median its 10-year median of 28.63. Over the past 10 years, this metric has ranged from a low of 22.63 to a high of 51.76. The Software industry median Gross Margin % is 40.07. Paysera Bulgaria JSC's value of 21.40% is 46.6% below this industry median. Based on the distribution chart, Paysera Bulgaria JSC ranks #2023 out of 2684 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's Gross Margin % compare to MSFT and PLTR?
According to the Software industry distribution chart, Paysera Bulgaria JSC ranks #2023 out of 2684 companies for Gross Margin %. This places Paysera Bulgaria JSC in the lower half of its industry. The industry median Gross Margin % is 40.07. Paysera Bulgaria JSC's value of 21.40% is 46.6% below this benchmark. Historically, Paysera Bulgaria JSC's own Gross Margin % has ranged from 22.63 to 51.76 over the past decade. While the company's 10-year median is 28.63 vs. the industry median of 40.07, Paysera Bulgaria JSC 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 40.07, based on 2,684 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. Paysera Bulgaria JSC's current Gross Margin % of 21.40% is 46.6% 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 Paysera Bulgaria JSC and its competitors. For the Software industry, the median Gross Margin % is 40.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paysera Bulgaria JSC's current Gross Margin % is 21.40%, which is 25% below median its own 10-year median of 28.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current Gross Margin % of 21.40%. The current Gross Margin % is 21.40%, which is 25% below median its 10-year median of 28.63 and 46.6% below the Software industry median of 40.07. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 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 Paysera Bulgaria JSC (XBUL:PAY), the current Gross Margin % is 21.40% 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.
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
13GF Score
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