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AIRA Factoring PCLBKK:AF 40 Net Margin % is 9.13% as of Mar. 2026, which is 55% below its 10-year median of 20.29. GuruFocus rates BKK:AF with a GF Score™ of 40/100 and a GF Value™ of ฿0.58 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 534 Credit Services companies, AIRA Factoring PCL ranks worse than 67.98% on this metric.
The historical rank and industry rank for AIRA Factoring PCL's Net Margin % or its related term are showing as below:
BKK:AF'
s Net Margin % Range Over the Past 10 Years
Min: 2.85 Med: 20.29 Max: 27.04
Current: 6.54
BKK:AF's Net Margin % is ranked worse than 67.98% of 534
companies
in the Credit Services industry
Industry Median: 14.69
vs BKK:AF: 6.54
AIRA Factoring PCL (BKK:AF) 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.
AIRA Factoring PCL Net Margin % Related Terms
AIRA Factoring PCL Net Margin % Historical Data
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The historical data trend for AIRA Factoring PCL'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, AIRA Factoring PCL'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.
AIRA Factoring PCL Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AIRA Factoring PCL's Net Margin % distribution charts can be found below:
* The bar in red indicates where AIRA Factoring PCL'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.
AIRA Factoring PCL (BKK:AF) has a Net Margin % of 9.13% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AIRA Factoring PCL and its competitors. This is 55% below median its historical median of 20.29. Over the past decade, AIRA Factoring PCL's Net Margin % has ranged from 2.85 to 27.04. According to the industry distribution chart, AIRA Factoring PCL ranks #363 out of 534 companies in the Credit Services industry, placing it in the top 68%.
Is AIRA Factoring PCL's Net Margin % too high?
AIRA Factoring PCL's current Net Margin % of 9.13% is 55% below median its 10-year median of 20.29. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 27.04. The Credit Services industry median Net Margin % is 14.69. AIRA Factoring PCL's value of 9.13% is 37.8% below this industry median. Based on the distribution chart, AIRA Factoring PCL ranks #363 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, AIRA Factoring PCL has a GF Score™ of 40/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AIRA Factoring PCL's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AIRA Factoring PCL ranks #363 out of 534 companies for Net Margin %. This places AIRA Factoring PCL in the lower half of its industry. The industry median Net Margin % is 14.69. AIRA Factoring PCL's value of 9.13% is 37.8% below this benchmark. Historically, AIRA Factoring PCL's own Net Margin % has ranged from 2.85 to 27.04 over the past decade. While the company's 10-year median is 20.29 vs. the industry median of 14.69, AIRA Factoring PCL 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 14.69, 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. AIRA Factoring PCL's current Net Margin % of 9.13% is 37.8% 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 AIRA Factoring PCL and its competitors. For the Credit Services industry, the median Net Margin % is 14.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIRA Factoring PCL's current Net Margin % is 9.13%, which is 55% below median its own 10-year median of 20.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIRA Factoring PCL stock overvalued right now?
Based on GuruFocus' analysis, AIRA Factoring PCL (BKK:AF) is currently considered Possible Value Trap. The stock's GF Value™ is ฿0.58, compared to a current price of ฿0.38 — trading 34.5% below its estimated fair value. The current Net Margin % is 9.13%, which is 55% below median its 10-year median of 20.29 and 37.8% below the Credit Services industry median of 14.69. AIRA Factoring PCL's overall GF Score™ is 40/100 with 8 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 AIRA Factoring PCL (BKK:AF), the current Net Margin % is 9.13% 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 AIRA Factoring PCL (BKK:AF) Overvalued in 2026?
Based on GuruFocus' analysis, AIRA Factoring PCL stock appears to be undervalued.
The current stock price of ฿0.38 is trading 34.5% below its estimated GF Value™ of ฿0.58.
GuruFocus considers AIRA Factoring PCL to be Possible Value Trap.
Key valuation signals for BKK:AF:
Net Margin %: 9.13% (55% below median its 10-year median of 20.29)
GF Value™: ฿0.58 vs. price of ฿0.38 (34.5% below fair value)
Industry Position: 37.8% below the Credit Services median (#363 of 534)
No single metric tells the full story. See the BKK:AF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIRA Factoring PCL is a Thailand-based company principally engaged in the business of receivable factoring. It provides short-term financing services by transferring creditor's rights or factoring services. Its various service offerings include promissory note loans, e-factoring, supplier financing, long-term loans, and others. The company's main reportable operating segment of the Company is the provision of lending services to SME customers, comprising the factoring business and loan financing. Geographically, the company operates only in Thailand.
40GF Score
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