QNB Finansal Kiralama ASIST:QNBFK +0.22%41 Net Margin % is 26.79% as of Sep. 2025, which is 8% above its 10-year median of 24.79. GuruFocus rates IST:QNBFK with a GF Score™ of 41/100 and a GF Value™ of ₺65.18 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, QNB Finansal Kiralama AS ranks better than 70.22% on this metric.
The historical rank and industry rank for QNB Finansal Kiralama AS's Net Margin % or its related term are showing as below:
IST:QNBFK'
s Net Margin % Range Over the Past 10 Years
Min: 14.87 Med: 24.79 Max: 30.61
Current: 28.32
IST:QNBFK's Net Margin % is ranked better than 70.22% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs IST:QNBFK: 28.32
QNB Finansal Kiralama AS (IST:QNBFK) 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.
QNB Finansal Kiralama AS Net Margin % Related Terms
QNB Finansal Kiralama AS 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.
For the Credit Services subindustry, QNB Finansal Kiralama AS'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.
QNB Finansal Kiralama AS Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, QNB Finansal Kiralama AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where QNB Finansal Kiralama AS'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.
QNB Finansal Kiralama AS (IST:QNBFK) has a Net Margin % of 26.79% as of Sep. 2025. Net margin is the ratio of total net income to net sales. View historical data on QNB Finansal Kiralama AS and its competitors. This is near median its historical median of 24.79. Over the past decade, QNB Finansal Kiralama AS's Net Margin % has ranged from 14.87 to 30.61. According to the industry distribution chart, QNB Finansal Kiralama AS ranks #159 out of 534 companies in the Credit Services industry, placing it in the top 29.8%.
Is QNB Finansal Kiralama AS's Net Margin % too high?
QNB Finansal Kiralama AS's current Net Margin % of 26.79% is near median its 10-year median of 24.79. Over the past 10 years, this metric has ranged from a low of 14.87 to a high of 30.61. The Credit Services industry median Net Margin % is 14.52. QNB Finansal Kiralama AS's value of 26.79% is 84.5% above this industry median. Based on the distribution chart, QNB Finansal Kiralama AS ranks #159 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, QNB Finansal Kiralama AS has a GF Score™ of 41/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does QNB Finansal Kiralama AS's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, QNB Finansal Kiralama AS ranks #159 out of 534 companies for Net Margin %. This puts QNB Finansal Kiralama AS in the upper half of its industry. The industry median Net Margin % is 14.52. QNB Finansal Kiralama AS's value of 26.79% is 84.5% above this benchmark. Historically, QNB Finansal Kiralama AS's own Net Margin % has ranged from 14.87 to 30.61 over the past decade. While the company's 10-year median is 24.79 vs. the industry median of 14.52, QNB Finansal Kiralama AS 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 14.52, 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. QNB Finansal Kiralama AS's current Net Margin % of 26.79% is 84.5% 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 QNB Finansal Kiralama AS 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. QNB Finansal Kiralama AS's current Net Margin % is 26.79%, which is near median its own 10-year median of 24.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is QNB Finansal Kiralama AS stock overvalued right now?
Based on GuruFocus' analysis, QNB Finansal Kiralama AS (IST:QNBFK) is currently considered Possible Value Trap. The stock's GF Value™ is ₺65.18, compared to a current price of ₺36.50 — trading 44% below its estimated fair value. The current Net Margin % is 26.79%, which is near median its 10-year median of 24.79 and 84.5% above the Credit Services industry median of 14.52. QNB Finansal Kiralama AS's overall GF Score™ is 41/100 with 5 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 QNB Finansal Kiralama AS (IST:QNBFK), the current Net Margin % is 26.79% as of Sep. 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 QNB Finansal Kiralama AS (IST:QNBFK) Overvalued in 2026?
Based on GuruFocus' analysis, QNB Finansal Kiralama AS stock appears to be undervalued.
The current stock price of ₺36.50 is trading 44% below its estimated GF Value™ of ₺65.18.
GuruFocus considers QNB Finansal Kiralama AS to be Possible Value Trap.
Key valuation signals for IST:QNBFK:
Net Margin %: 26.79% (near median its 10-year median of 24.79)
GF Value™: ₺65.18 vs. price of ₺36.50 (44% below fair value)
Industry Position: 84.5% above the Credit Services median (#159 of 534)
No single metric tells the full story. See the IST:QNBFK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
QNB Finansal Kiralama AS formerly QNB Finans Finansal Kiralama AS is a Turkey-based company involved in providing leasing services to Wind Turbines & Solar Power Plants, Heavy Machinery, Automobiles, Medical Equipment, Agricultural Equipment, and Printing Equipment among others.
41GF Score
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