AEON Financial Service CoAEOJF 72 Net Margin % is 5.47% as of Feb. 2026, which is 38% below its 10-year median of 8.89. GuruFocus rates AEOJF with a GF Score™ of 72/100 and a GF Value™ of $9.36. The stock has 2 warning signs investors should review. Among 534 Credit Services companies, AEON Financial Service Co ranks worse than 71.35% on this metric.
The historical rank and industry rank for AEON Financial Service Co's Net Margin % or its related term are showing as below:
AEOJF'
s Net Margin % Range Over the Past 10 Years
Min: 3.46 Med: 8.89 Max: 11.96
Current: 4.48
AEOJF's Net Margin % is ranked worse than 71.35% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs AEOJF: 4.48
AEON Financial Service Co (OTCPK:AEOJF) 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.
AEON Financial Service Co Net Margin % Related Terms
AEON Financial Service Co Net 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, AEON Financial Service Co'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.
AEON Financial Service Co Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Financial Service Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where AEON Financial Service Co'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.
AEON Financial Service Co (AEOJF) has a Net Margin % of 5.47% as of Feb. 2026. Net margin is the ratio of total net income to net sales. View historical data on AEON Financial Service Co and its competitors. This is 38% below median its historical median of 8.89. Over the past decade, AEON Financial Service Co's Net Margin % has ranged from 3.46 to 11.96. According to the industry distribution chart, AEON Financial Service Co ranks #381 out of 534 companies in the Credit Services industry, placing it in the top 71.3%.
Is AEON Financial Service Co's Net Margin % too high?
AEON Financial Service Co's current Net Margin % of 5.47% is 38% below median its 10-year median of 8.89. Over the past 10 years, this metric has ranged from a low of 3.46 to a high of 11.96. The Credit Services industry median Net Margin % is 14.52. AEON Financial Service Co's value of 5.47% is 62.3% below this industry median. Based on the distribution chart, AEON Financial Service Co ranks #381 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, AEON Financial Service Co has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does AEON Financial Service Co's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Financial Service Co ranks #381 out of 534 companies for Net Margin %. This places AEON Financial Service Co in the lower half of its industry. The industry median Net Margin % is 14.52. AEON Financial Service Co's value of 5.47% is 62.3% below this benchmark. Historically, AEON Financial Service Co's own Net Margin % has ranged from 3.46 to 11.96 over the past decade. While the company's 10-year median is 8.89 vs. the industry median of 14.52, AEON Financial Service 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 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. AEON Financial Service Co's current Net Margin % of 5.47% is 62.3% 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 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 AEON Financial Service Co 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. AEON Financial Service Co's current Net Margin % is 5.47%, which is 38% below median its own 10-year median of 8.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AEON Financial Service Co stock overvalued right now?
AEON Financial Service Co (AEOJF) has a current Net Margin % of 5.47%. The stock's GF Value™ is $9.36, compared to a current price of $8.57 — trading 8.4% below its estimated fair value. The current Net Margin % is 5.47%, which is 38% below median its 10-year median of 8.89 and 62.3% below the Credit Services industry median of 14.52. AEON Financial Service Co's overall GF Score™ is 72/100 with 2 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 AEON Financial Service Co (AEOJF), the current Net Margin % is 5.47% as of Feb. 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 AEON Financial Service Co (AEOJF) Overvalued in 2026?
Based on GuruFocus' analysis, AEON Financial Service Co stock appears to be undervalued.
The current stock price of $8.57 is trading 8.4% below its estimated GF Value™ of $9.36.
Key valuation signals for AEOJF:
Net Margin %: 5.47% (38% below median its 10-year median of 8.89)
GF Value™: $9.36 vs. price of $8.57 (8.4% below fair value)
Industry Position: 62.3% below the Credit Services median (#381 of 534)
No single metric tells the full story. See the AEOJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AEON Financial Service Co Ltd is a comprehensive financial group consisting of a bank holding company and its subsidiaries, which grew out of Aeon Group's retail operations. It currently operates a network of hundreds of sales bases throughout Asia, particularly in Japan, China, Thailand, and Malaysia. The bank provides various financial services, payment services, housing loans, deposits, installment sales, and overseas services to customers through points of sale closely linked to community lifestyles. These include shopping centers and retail malls, convenience stores, and specialty stores, among others. Net fee and commission income is the company's main source of net revenue.
72GF Score
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