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What is Quanzhou Huixin Micro-credit Co Net Margin %?
Quanzhou Huixin Micro-credit CoHKSE:01577 45 Net Margin % is 54.44% as of Dec. 2025, which is 9% above its 10-year median of 50.15. GuruFocus rates HKSE:01577 with a GF Score™ of 45/100 and a GF Value™ of HK$0.90 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 537 Credit Services companies, Quanzhou Huixin Micro-credit Co ranks better than 89.2% on this metric.
Quanzhou Huixin Micro-credit Co (HKSE:01577) 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.
Quanzhou Huixin Micro-credit Co Net Margin % Related Terms
Quanzhou Huixin Micro-credit 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.
Quanzhou Huixin Micro-credit Co Net Margin % Chart
For the Credit Services subindustry, Quanzhou Huixin Micro-credit 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.
Quanzhou Huixin Micro-credit Co Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quanzhou Huixin Micro-credit Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Quanzhou Huixin Micro-credit 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.
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a Net Margin % of 54.44% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. This is near median its historical median of 50.15. Over the past decade, Quanzhou Huixin Micro-credit Co's Net Margin % has ranged from 24.66 to 66.29. According to the industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #58 out of 537 companies in the Credit Services industry, placing it in the top 10.8%.
Is Quanzhou Huixin Micro-credit Co's Net Margin % too high?
Quanzhou Huixin Micro-credit Co's current Net Margin % of 54.44% is near median its 10-year median of 50.15. Over the past 10 years, this metric has ranged from a low of 24.66 to a high of 66.29. The Credit Services industry median Net Margin % is 15.07. Quanzhou Huixin Micro-credit Co's value of 54.44% is 261.2% above this industry median. Based on the distribution chart, Quanzhou Huixin Micro-credit Co ranks #58 out of 537 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Quanzhou Huixin Micro-credit Co has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quanzhou Huixin Micro-credit Co's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #58 out of 537 companies for Net Margin %. This places Quanzhou Huixin Micro-credit Co in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.07. Quanzhou Huixin Micro-credit Co's value of 54.44% is 261.2% above this benchmark. Historically, Quanzhou Huixin Micro-credit Co's own Net Margin % has ranged from 24.66 to 66.29 over the past decade. While the company's 10-year median is 50.15 vs. the industry median of 15.07, Quanzhou Huixin Micro-credit Co 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 15.07, based on 537 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. Quanzhou Huixin Micro-credit Co's current Net Margin % of 54.44% is 261.2% 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 Quanzhou Huixin Micro-credit Co and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quanzhou Huixin Micro-credit Co's current Net Margin % is 54.44%, which is near median its own 10-year median of 50.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quanzhou Huixin Micro-credit Co stock overvalued right now?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co (HKSE:01577) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.90, compared to a current price of HK$1.03 — trading 14.4% above its estimated fair value. The current Net Margin % is 54.44%, which is near median its 10-year median of 50.15 and 261.2% above the Credit Services industry median of 15.07. Quanzhou Huixin Micro-credit Co's overall GF Score™ is 45/100 with 1 warning sign 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 Quanzhou Huixin Micro-credit Co (HKSE:01577), the current Net Margin % is 54.44% 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 Quanzhou Huixin Micro-credit Co (HKSE:01577) Overvalued in 2026?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co stock appears to be overvalued.
The current stock price of HK$1.03 is trading 14.4% above its estimated GF Value™ of HK$0.90.
GuruFocus considers Quanzhou Huixin Micro-credit Co to be Modestly Overvalued.
Key valuation signals for HKSE:01577:
Net Margin %: 54.44% (near median its 10-year median of 50.15)
GF Value™: HK$0.90 vs. price of HK$1.03 (14.4% above fair value)
Industry Position: 261.2% above the Credit Services median (#58 of 537)
No single metric tells the full story. See the HKSE:01577 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quanzhou Huixin Micro-credit Co Ltd provides local entrepreneurs, SMEs and microenterprises with practical and flexible short-term financing solutions to support their continued development and address their ongoing liquidity needs. All of the group's revenue was generated from the micro-credit business in Quanzhou, Fujian Province in the PRC.
45GF Score
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