Finance House PJSCADX:FH 49 Net Margin % is 24.27% as of Jun. 2025, which is 236% above its 10-year median of 7.22. GuruFocus rates ADX:FH with a GF Score™ of 49/100 and a GF Value™ of د.إ2.21 (Fairly Valued). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, Finance House PJSC ranks worse than 54.68% on this metric.
The historical rank and industry rank for Finance House PJSC's Net Margin % or its related term are showing as below:
ADX:FH'
s Net Margin % Range Over the Past 10 Years
Min: 1.14 Med: 7.22 Max: 21.64
Current: 12.53
ADX:FH's Net Margin % is ranked worse than 54.68% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ADX:FH: 12.53
Finance House PJSC (ADX:FH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Finance House PJSC Net Margin % Related Terms
Finance House PJSC Net Margin % Historical Data
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The historical data trend for Finance House PJSC's Net 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, Finance House PJSC's Net Margin %, along with its competitors' market caps and Net 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.
Finance House PJSC Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance House PJSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where Finance House PJSC's Net 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.
Finance House PJSC (ADX:FH) has a Net Margin % of 24.27% as of Jun. 2025. Net margin is the ratio of total net income to net sales. View historical data on Finance House PJSC and its competitors. This is 236% above median its historical median of 7.22. Over the past decade, Finance House PJSC's Net Margin % has ranged from 1.14 to 21.64. According to the industry distribution chart, Finance House PJSC ranks #292 out of 534 companies in the Credit Services industry, placing it in the top 54.7%.
Is Finance House PJSC's Net Margin % too high?
Finance House PJSC's current Net Margin % of 24.27% is 236% above median its 10-year median of 7.22. Over the past 10 years, this metric has ranged from a low of 1.14 to a high of 21.64. The Credit Services industry median Net Margin % is 14.52. Finance House PJSC's value of 24.27% is 67.1% above this industry median. Based on the distribution chart, Finance House PJSC ranks #292 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, Finance House PJSC has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Finance House PJSC ranks #292 out of 534 companies for Net Margin %. This places Finance House PJSC in the lower half of its industry. The industry median Net Margin % is 14.52. Finance House PJSC's value of 24.27% is 67.1% above this benchmark. Historically, Finance House PJSC's own Net Margin % has ranged from 1.14 to 21.64 over the past decade. While the company's 10-year median is 7.22 vs. the industry median of 14.52, Finance House PJSC 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finance House PJSC's current Net Margin % of 24.27% is 67.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Finance House PJSC and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finance House PJSC's current Net Margin % is 24.27%, which is 236% above median its own 10-year median of 7.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Fairly Valued. The stock's GF Value™ is د.إ2.21, compared to a current price of د.إ2.10 — trading 5% below its estimated fair value. The current Net Margin % is 24.27%, which is 236% above median its 10-year median of 7.22 and 67.1% above the Credit Services industry median of 14.52. Finance House PJSC's overall GF Score™ is 49/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Finance House PJSC (ADX:FH), the current Net Margin % is 24.27% as of Jun. 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.
Is Finance House PJSC (ADX:FH) Overvalued in 2026?
Based on GuruFocus' analysis, Finance House PJSC stock appears to be undervalued.
The current stock price of د.إ2.10 is trading 5% below its estimated GF Value™ of د.إ2.21.
GuruFocus considers Finance House PJSC to be Fairly Valued.
Key valuation signals for ADX:FH:
Net Margin %: 24.27% (236% above median its 10-year median of 7.22)
GF Value™: د.إ2.21 vs. price of د.إ2.10 (5% below fair value)
Industry Position: 67.1% above the Credit Services median (#292 of 534)
No single metric tells the full story. See the ADX:FH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score
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