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U Consumer FinanceCAI:VALU -2.09%28 Net Margin % is 14.06% as of Dec. 2025, which is 9% above its 10-year median of 12.86. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 538 Credit Services companies, U Consumer Finance ranks worse than 55.95% on this metric.
U Consumer Finance (CAI:VALU) 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.
U Consumer Finance Net Margin % Related Terms
U Consumer Finance Net Margin % Historical Data
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The historical data trend for U Consumer Finance'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, U Consumer Finance'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.
U Consumer Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where U Consumer Finance'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.
U Consumer Finance (CAI:VALU) has a Net Margin % of 14.06% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on U Consumer Finance and its competitors. This is near median its historical median of 12.86. Over the past decade, U Consumer Finance's Net Margin % has ranged from 12.40 to 13.61. According to the industry distribution chart, U Consumer Finance ranks #301 out of 538 companies in the Credit Services industry, placing it in the top 55.9%.
Is U Consumer Finance's Net Margin % too high?
U Consumer Finance's current Net Margin % of 14.06% is near median its 10-year median of 12.86. Over the past 10 years, this metric has ranged from a low of 12.40 to a high of 13.61. The Credit Services industry median Net Margin % is 15.62. U Consumer Finance's value of 14.06% is 10% below this industry median. Based on the distribution chart, U Consumer Finance ranks #301 out of 538 companies in the Credit Services industry, which is below the industry midpoint. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #301 out of 538 companies for Net Margin %. This places U Consumer Finance in the lower half of its industry. The industry median Net Margin % is 15.62. U Consumer Finance's value of 14.06% is 10% below this benchmark. Historically, U Consumer Finance's own Net Margin % has ranged from 12.40 to 13.61 over the past decade. While the company's 10-year median is 12.86 vs. the industry median of 15.62, U Consumer Finance 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 15.62, based on 538 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. U Consumer Finance's current Net Margin % of 14.06% is 10% 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 U Consumer Finance and its competitors. For the Credit Services industry, the median Net Margin % is 15.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current Net Margin % is 14.06%, which is near median its own 10-year median of 12.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Net Margin % of 14.06%. The current Net Margin % is 14.06%, which is near median its 10-year median of 12.86 and 10% below the Credit Services industry median of 15.62. U Consumer Finance's overall GF Score™ is 28/100 with 6 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 U Consumer Finance (CAI:VALU), the current Net Margin % is 14.06% 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
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