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VCredit HoldingsFRA:5R6 -1.64%21 Net Margin % is 199.79% as of Dec. 2025, which is 538% above its 10-year median of 31.33. GuruFocus rates FRA:5R6 with a GF Score™ of 21/100 and a GF Value™ of €0.06 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 535 Credit Services companies, VCredit Holdings ranks worse than 95.33% on this metric.
The historical rank and industry rank for VCredit Holdings's Net Margin % or its related term are showing as below:
FRA:5R6'
s Net Margin % Range Over the Past 10 Years
Min: -168.91 Med: 31.33 Max: 317.73
Current: -158.82
FRA:5R6's Net Margin % is ranked worse than 95.33% of 535
companies
in the Credit Services industry
Industry Median: 14.9
vs FRA:5R6: -158.82
VCredit Holdings (FRA:5R6) 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.
VCredit Holdings Net Margin % Related Terms
VCredit Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for VCredit Holdings'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, VCredit Holdings'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.
VCredit Holdings Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, VCredit Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where VCredit Holdings'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.
VCredit Holdings (FRA:5R6) has a Net Margin % of 199.79% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on VCredit Holdings and its competitors. This is 538% above median its historical median of 31.33. According to the industry distribution chart, VCredit Holdings ranks #510 out of 535 companies in the Credit Services industry, placing it in the top 95.3%.
Is VCredit Holdings' Net Margin % too high?
VCredit Holdings' current Net Margin % of 199.79% is 538% above median its 10-year median of 31.33. The Credit Services industry median Net Margin % is 14.90. VCredit Holdings' value of 199.79% is 1240.9% above this industry median. Based on the distribution chart, VCredit Holdings ranks #510 out of 535 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, VCredit Holdings has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VCredit Holdings' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, VCredit Holdings ranks #510 out of 535 companies for Net Margin %. This places VCredit Holdings in the lower half of its industry. The industry median Net Margin % is 14.90. VCredit Holdings' value of 199.79% is 1240.9% above this benchmark. While the company's 10-year median is 31.33 vs. the industry median of 14.90, VCredit Holdings 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 14.90, based on 535 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. VCredit Holdings's current Net Margin % of 199.79% is 1240.9% 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 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 VCredit Holdings and its competitors. For the Credit Services industry, the median Net Margin % is 14.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VCredit Holdings's current Net Margin % is 199.79%, which is 538% above median its own 10-year median of 31.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VCredit Holdings stock overvalued right now?
Based on GuruFocus' analysis, VCredit Holdings (FRA:5R6) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.06, compared to a current price of €0.09 — trading 50% above its estimated fair value. The current Net Margin % is 199.79%, which is 538% above median its 10-year median of 31.33 and 1240.9% above the Credit Services industry median of 14.90. VCredit Holdings' overall GF Score™ is 21/100 with 3 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 VCredit Holdings (FRA:5R6), the current Net Margin % is 199.79% 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.
Is VCredit Holdings (FRA:5R6) Overvalued in 2026?
Based on GuruFocus' analysis, VCredit Holdings stock appears to be overvalued.
The current stock price of €0.09 is trading 50% above its estimated GF Value™ of €0.06.
GuruFocus considers VCredit Holdings to be Significantly Overvalued.
Key valuation signals for FRA:5R6:
Net Margin %: 199.79% (538% above median its 10-year median of 31.33)
GF Value™: €0.06 vs. price of €0.09 (50% above fair value)
Industry Position: 1240.9% above the Credit Services median (#510 of 535)
No single metric tells the full story. See the FRA:5R6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VCredit Holdings Ltd is an investment holding company and has one operating segment. The Group is a technology-driven consumer financial service provider in the People's Republic of China. The Group offers tailored consumer finance products to prime and near-prime borrowers who are underserved by traditional financial institutions. The Group also offers consumer finance products by facilitating transactions between borrowers and financial institutions. The company generates the majority of its revenue from Interest and similar income.
21GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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