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Global International Credit Group (HKSE:01669) 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.
Global International Credit Group Net Margin % Related Terms
Global International Credit Group 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.
Global International Credit Group Net Margin % Chart
For the Credit Services subindustry, Global International Credit Group'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.
Global International Credit Group Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Global International Credit Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Global International Credit Group'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.
Global International Credit Group (HKSE:01669) has a Net Margin % of 62.63% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Global International Credit Group and its competitors. This is near median its historical median of 61.26. Over the past decade, Global International Credit Group's Net Margin % has ranged from 49.81 to 65.32. According to the industry distribution chart, Global International Credit Group ranks #43 out of 536 companies in the Credit Services industry, placing it in the top 8%.
Is Global International Credit Group's Net Margin % too high?
Global International Credit Group's current Net Margin % of 62.63% is near median its 10-year median of 61.26. Over the past 10 years, this metric has ranged from a low of 49.81 to a high of 65.32. The Credit Services industry median Net Margin % is 15.11. Global International Credit Group's value of 62.63% is 314.6% above this industry median. Based on the distribution chart, Global International Credit Group ranks #43 out of 536 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Global International Credit Group has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Global International Credit Group's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Global International Credit Group ranks #43 out of 536 companies for Net Margin %. This places Global International Credit Group in the top 8% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.11. Global International Credit Group's value of 62.63% is 314.6% above this benchmark. Historically, Global International Credit Group's own Net Margin % has ranged from 49.81 to 65.32 over the past decade. While the company's 10-year median is 61.26 vs. the industry median of 15.11, Global International Credit Group 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 15.11, based on 536 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. Global International Credit Group's current Net Margin % of 62.63% is 314.6% 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 Global International Credit Group and its competitors. For the Credit Services industry, the median Net Margin % is 15.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global International Credit Group's current Net Margin % is 62.63%, which is near median its own 10-year median of 61.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global International Credit Group stock overvalued right now?
Based on GuruFocus' analysis, Global International Credit Group (HKSE:01669) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.50, compared to a current price of HK$1.50 — trading 200% above its estimated fair value. The current Net Margin % is 62.63%, which is near median its 10-year median of 61.26 and 314.6% above the Credit Services industry median of 15.11. Global International Credit Group's overall GF Score™ is 43/100 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 Global International Credit Group (HKSE:01669), the current Net Margin % is 62.63% 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 Global International Credit Group (HKSE:01669) Overvalued in 2026?
Based on GuruFocus' analysis, Global International Credit Group stock appears to be overvalued.
The current stock price of HK$1.50 is trading 200% above its estimated GF Value™ of HK$0.50.
GuruFocus considers Global International Credit Group to be Significantly Overvalued.
Key valuation signals for HKSE:01669:
Net Margin %: 62.63% (near median its 10-year median of 61.26)
GF Value™: HK$0.50 vs. price of HK$1.50 (200% above fair value)
Industry Position: 314.6% above the Credit Services median (#43 of 536)
No single metric tells the full story. See the HKSE:01669 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global International Credit Group Ltd is engaged in the money lending business. The company provides short-term and long-term property mortgage loans to customers in Hong Kong. It provides flexible loan solutions, property mortgage loans, and personal loans. The company's revenue is generated from the money lending business of providing property mortgage loans and personal loans in Hong Kong.
43GF 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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