Foris AGHAM:FRS -0.67%65 Net Margin % is 3.76% as of Dec. 2025, which is 75% above its 10-year median of 2.15. GuruFocus rates HAM:FRS with a GF Score™ of 65/100 and a GF Value™ of €2.61. The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Foris AG ranks worse than 79.21% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Foris AG's Net Income for the
six
months ended in Dec. 2025 was €0.50 Mil. Foris AG's Revenue for the
six
months ended in Dec. 2025 was €13.20 Mil. Therefore, Foris AG's net margin for the quarter that ended in Dec. 2025 was 3.76%.
The historical rank and industry rank for Foris AG's Net Margin % or its related term are showing as below:
HAM:FRS'
s Net Margin % Range Over the Past 10 Years
Min: -12.52 Med: 2.15 Max: 9.78
Current: -0.58
HAM:FRS's Net Margin % is ranked worse than 79.21% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs HAM:FRS: -0.58
Foris AG (HAM:FRS) 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.
Foris AG Net Margin % Related Terms
Foris AG Net Margin % Historical Data
* Premium members only.
The historical data trend for Foris AG'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, Foris AG'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.
Foris AG Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Foris AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Foris AG'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.
Foris AG (HAM:FRS) has a Net Margin % of 3.76% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Foris AG and its competitors. This is 75% above median its historical median of 2.15. According to the industry distribution chart, Foris AG ranks #423 out of 534 companies in the Credit Services industry, placing it in the top 79.2%.
Is Foris AG's Net Margin % too high?
Foris AG's current Net Margin % of 3.76% is 75% above median its 10-year median of 2.15. The Credit Services industry median Net Margin % is 14.52. Foris AG's value of 3.76% is 74.1% below this industry median. Based on the distribution chart, Foris AG ranks #423 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Foris AG has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Foris AG's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Foris AG ranks #423 out of 534 companies for Net Margin %. This places Foris AG in the lower half of its industry. The industry median Net Margin % is 14.52. Foris AG's value of 3.76% is 74.1% below this benchmark. While the company's 10-year median is 2.15 vs. the industry median of 14.52, Foris AG 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. Foris AG's current Net Margin % of 3.76% is 74.1% 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 Foris AG 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. Foris AG's current Net Margin % is 3.76%, which is 75% above median its own 10-year median of 2.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foris AG stock overvalued right now?
Foris AG (HAM:FRS) has a current Net Margin % of 3.76%. The stock's GF Value™ is €2.61, compared to a current price of €2.98 — trading 14.2% above its estimated fair value. The current Net Margin % is 3.76%, which is 75% above median its 10-year median of 2.15 and 74.1% below the Credit Services industry median of 14.52. Foris AG's overall GF Score™ is 65/100 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 Foris AG (HAM:FRS), the current Net Margin % is 3.76% 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 Foris AG (HAM:FRS) Overvalued in 2026?
Based on GuruFocus' analysis, Foris AG stock appears to be overvalued.
The current stock price of €2.98 is trading 14.2% above its estimated GF Value™ of €2.61.
Key valuation signals for HAM:FRS:
Net Margin %: 3.76% (75% above median its 10-year median of 2.15)
GF Value™: €2.61 vs. price of €2.98 (14.2% above fair value)
Industry Position: 74.1% below the Credit Services median (#423 of 534)
No single metric tells the full story. See the HAM:FRS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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