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J and Friends HoldingsJF +1.09%24 Net Margin % is 119.48% as of Dec. 2025. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 534 Credit Services companies, J and Friends Holdings ranks worse than 92.51% on this metric.
J and Friends Holdings (NAS:JF) 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.
J and Friends Holdings Net Margin % Related Terms
J and Friends Holdings 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, J and Friends Holdings'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.
J and Friends Holdings Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings'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.
J and Friends Holdings (JF) has a Net Margin % of 119.48% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on J and Friends Holdings and its competitors. According to the industry distribution chart, J and Friends Holdings ranks #494 out of 534 companies in the Credit Services industry, placing it in the top 92.5%.
Is J and Friends Holdings' Net Margin % too high?
J and Friends Holdings' current Net Margin % is 119.48%. The Credit Services industry median Net Margin % is 15.54. J and Friends Holdings' value of 119.48% is 669.1% above this industry median. Based on the distribution chart, J and Friends Holdings ranks #494 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' Net Margin % compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #494 out of 534 companies for Net Margin %. This places J and Friends Holdings in the lower half of its industry. The industry median Net Margin % is 15.54. J and Friends Holdings' value of 119.48% is 669.1% above this benchmark. 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 15.54, 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. J and Friends Holdings's current Net Margin % of 119.48% is 669.1% 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median Net Margin % is 15.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current Net Margin % is 119.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current Net Margin % of 119.48%. The current Net Margin % is 119.48% and 669.1% above the Credit Services industry median of 15.54. J and Friends Holdings' overall GF Score™ is 24/100 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 J and Friends Holdings (JF), the current Net Margin % is 119.48% 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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