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Zuoli Kechuang Micro-finance Co (HKSE:06866) 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.
Zuoli Kechuang Micro-finance Co Net Margin % Related Terms
Zuoli Kechuang Micro-finance 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.
Zuoli Kechuang Micro-finance Co Net Margin % Chart
For the Credit Services subindustry, Zuoli Kechuang Micro-finance 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.
Zuoli Kechuang Micro-finance Co Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zuoli Kechuang Micro-finance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Zuoli Kechuang Micro-finance 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.
Zuoli Kechuang Micro-finance Co (HKSE:06866) has a Net Margin % of 0.00% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Zuoli Kechuang Micro-finance Co and its competitors. Over the past decade, Zuoli Kechuang Micro-finance Co's Net Margin % has ranged from 35.54 to 60.37. According to the industry distribution chart, Zuoli Kechuang Micro-finance Co ranks #107 out of 535 companies in the Credit Services industry, placing it in the top 20%.
Is Zuoli Kechuang Micro-finance Co's Net Margin % too high?
Zuoli Kechuang Micro-finance Co's current Net Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 35.54 to a high of 60.37. Based on the distribution chart, Zuoli Kechuang Micro-finance Co ranks #107 out of 535 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Zuoli Kechuang Micro-finance Co has a GF Score™ of 34/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zuoli Kechuang Micro-finance Co's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Zuoli Kechuang Micro-finance Co ranks #107 out of 535 companies for Net Margin %. This places Zuoli Kechuang Micro-finance Co in the top 20% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.53. Historically, Zuoli Kechuang Micro-finance Co's own Net Margin % has ranged from 35.54 to 60.37 over the past decade. 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 15.53, 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. 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 Zuoli Kechuang Micro-finance Co and its competitors. For the Credit Services industry, the median Net Margin % is 15.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zuoli Kechuang Micro-finance Co's current Net Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zuoli Kechuang Micro-finance Co stock overvalued right now?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co (HKSE:06866) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.24, compared to a current price of HK$0.29 — trading 18.8% above its estimated fair value. The current Net Margin % is 0.00%. Zuoli Kechuang Micro-finance Co's overall GF Score™ is 34/100 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 Zuoli Kechuang Micro-finance Co (HKSE:06866), the current Net Margin % is 0.00% as of Jun. 2026. 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 Zuoli Kechuang Micro-finance Co (HKSE:06866) Overvalued in 2026?
Based on GuruFocus' analysis, Zuoli Kechuang Micro-finance Co stock appears to be overvalued.
The current stock price of HK$0.29 is trading 18.8% above its estimated GF Value™ of HK$0.24.
GuruFocus considers Zuoli Kechuang Micro-finance Co to be Modestly Overvalued.
Key valuation signals for HKSE:06866:
Net Margin %: 0.00%
GF Value™: HK$0.24 vs. price of HK$0.29 (18.8% above fair value)
No single metric tells the full story. See the HKSE:06866 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zuoli Kechuang Micro-finance Co Ltd is engaged in providing unsecured loans, guaranteed loans, collateralized loans, pledged loans, agriculture loans, individual business loans, other individual loans and loans for agricultural businesses, customers engaged in rural development activities, and/or customers residing in rural areas, SMEs and microenterprises in various industries, as well as online retailers in the businesses of lifestyle products, agricultural products, cultural supplies, and industrial products. The company generates revenue in the form of interest.
34GF Score
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