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OptasiaJSE:OPA +2.57%22 Net Margin % is 12.30% as of Dec. 2025, which is 45% below its 10-year median of 22.51. GuruFocus rates JSE:OPA with a GF Score™ of 22/100. The stock has 2 warning signs investors should review. Among 533 Credit Services companies, Optasia ranks worse than 51.03% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Optasia's Net Income for the
six
months ended in Dec. 2025 was R307 Mil. Optasia's Revenue for the
six
months ended in Dec. 2025 was R2,494 Mil. Therefore, Optasia's net margin for the quarter that ended in Dec. 2025 was 12.30%.
The historical rank and industry rank for Optasia's Net Margin % or its related term are showing as below:
JSE:OPA'
s Net Margin % Range Over the Past 10 Years
Min: 15.02 Med: 22.51 Max: 26.03
Current: 15.11
JSE:OPA's Net Margin % is ranked worse than 51.03% of 533
companies
in the Credit Services industry
Industry Median: 15.53
vs JSE:OPA: 15.11
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.
Optasia Net Margin % Related Terms
Optasia Net Margin % Historical Data
* Premium members only.
The historical data trend for Optasia's Net Margin % can be seen below:
* 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, Optasia'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.
Optasia Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Optasia's Net Margin % distribution charts can be found below:
* The bar in red indicates where Optasia'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.
Optasia (JSE:OPA) has a Net Margin % of 12.30% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Optasia and its competitors. This is 45% below median its historical median of 22.51. Over the past decade, Optasia's Net Margin % has ranged from 15.02 to 26.03. According to the industry distribution chart, Optasia ranks #272 out of 533 companies in the Credit Services industry, placing it in the top 51%.
Is Optasia's Net Margin % too high?
Optasia's current Net Margin % of 12.30% is 45% below median its 10-year median of 22.51. Over the past 10 years, this metric has ranged from a low of 15.02 to a high of 26.03. The Credit Services industry median Net Margin % is 15.53. Optasia's value of 12.30% is 20.8% below this industry median. Based on the distribution chart, Optasia ranks #272 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, Optasia has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Optasia's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Optasia ranks #272 out of 533 companies for Net Margin %. This places Optasia in the lower half of its industry. The industry median Net Margin % is 15.53. Optasia's value of 12.30% is 20.8% below this benchmark. Historically, Optasia's own Net Margin % has ranged from 15.02 to 26.03 over the past decade. While the company's 10-year median is 22.51 vs. the industry median of 15.53, Optasia has consistently been below 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 15.53, based on 533 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. Optasia's current Net Margin % of 12.30% is 20.8% below 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 Optasia 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. Optasia's current Net Margin % is 12.30%, which is 45% below median its own 10-year median of 22.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Optasia stock overvalued right now?
Optasia (JSE:OPA) has a current Net Margin % of 12.30%. The current Net Margin % is 12.30%, which is 45% below median its 10-year median of 22.51 and 20.8% below the Credit Services industry median of 15.53. Optasia's overall GF Score™ is 22/100 with 2 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 Optasia (JSE:OPA), the current Net Margin % is 12.30% 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.
Optasia is an AI-powered fintech platform operating a B2B2X model that enables financial institutions, mobile network operators, wallets and digital distributors to offer digital credit products through their customer channels. The Group provides AI-driven decisioning, technology integration and risk management capabilities across emerging markets. Its core business lines are Micro Financing Solutions (MFS), which provides short-duration digital lending through mobile wallet ecosystems, and Airtime Credit Solutions (ACS), which offers airtime, data and bundle advance solutions through mobile network operator channels. Products include XTRA Cash, XTRA Balance, XTRA Time, XTRA, XTRA Bundle and XTRA Buy. It operates across Africa, the Middle East and other countries.
22GF Score
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