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Menif Financial ServicesXTAE:MNIF +1.83%88 Gross Margin % is 59.63% as of Mar. 2026, which is 21% below its 10-year median of 75.54. GuruFocus rates XTAE:MNIF with a GF Score™ of 88/100 and a GF Value™ of ₪23.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 388 Credit Services companies, Menif Financial Services ranks better than 54.64% 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
Menif Financial Services had a gross margin of 59.63% 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.
Menif Financial Services Gross Margin % Related Terms
Menif Financial Services 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.
XTAE:MNIF vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Menif Financial Services'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.
Menif Financial Services Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Menif Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Menif Financial Services'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.
Menif Financial Services (XTAE:MNIF) has a Gross Margin % of 59.63% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Menif Financial Services and its competitors. This is 21% below median its historical median of 75.54. Over the past decade, Menif Financial Services' Gross Margin % has ranged from 54.19 to 84.31. According to the industry distribution chart, Menif Financial Services ranks #176 out of 388 companies in the Credit Services industry, placing it in the top 45.4%.
Is Menif Financial Services' Gross Margin % too high?
Menif Financial Services' current Gross Margin % of 59.63% is 21% below median its 10-year median of 75.54. Over the past 10 years, this metric has ranged from a low of 54.19 to a high of 84.31. The Credit Services industry median Gross Margin % is 51.43. Menif Financial Services' value of 59.63% is 15.9% above this industry median. Based on the distribution chart, Menif Financial Services ranks #176 out of 388 companies in the Credit Services industry, which is above the industry midpoint. Overall, Menif Financial Services has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Menif Financial Services' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Menif Financial Services ranks #176 out of 388 companies for Gross Margin %. This puts Menif Financial Services in the upper half of its industry. The industry median Gross Margin % is 51.43. Menif Financial Services' value of 59.63% is 15.9% above this benchmark. Historically, Menif Financial Services' own Gross Margin % has ranged from 54.19 to 84.31 over the past decade. While the company's 10-year median is 75.54 vs. the industry median of 51.43, Menif Financial Services 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 51.43, 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. Menif Financial Services's current Gross Margin % of 59.63% is 15.9% 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 Menif Financial Services and its competitors. For the Credit Services industry, the median Gross Margin % is 51.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menif Financial Services's current Gross Margin % is 59.63%, which is 21% below median its own 10-year median of 75.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menif Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Menif Financial Services (XTAE:MNIF) is currently considered Fairly Valued. The stock's GF Value™ is ₪23.12, compared to a current price of ₪23.98 — trading 3.7% above its estimated fair value. The current Gross Margin % is 59.63%, which is 21% below median its 10-year median of 75.54 and 15.9% above the Credit Services industry median of 51.43. Menif Financial Services' overall GF Score™ is 88/100 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 Menif Financial Services (XTAE:MNIF), the current Gross Margin % is 59.63% 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 Menif Financial Services (XTAE:MNIF) Overvalued in 2026?
Based on GuruFocus' analysis, Menif Financial Services stock appears to be overvalued.
The current stock price of ₪23.98 is trading 3.7% above its estimated GF Value™ of ₪23.12.
GuruFocus considers Menif Financial Services to be Fairly Valued.
Key valuation signals for XTAE:MNIF:
Gross Margin %: 59.63% (21% below median its 10-year median of 75.54)
GF Value™: ₪23.12 vs. price of ₪23.98 (3.7% above fair value)
Industry Position: 15.9% above the Credit Services median (#176 of 388)
No single metric tells the full story. See the XTAE:MNIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menif Financial Services Ltd is engaged in providing mezzanine financing for equity to promoters and contractors in the construction industry. It offers financing for reinforcement and construction projects, small construction evacuation projects, and large-scale construction evacuation projects.
88GF Score
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