Commercial Facilities CoKKUW:FACIL -1.45%8 Net Margin % is 28.09% as of Mar. 2026, which is 62% below its 10-year median of 73.14. GuruFocus rates KUW:FACIL with a GF Score™ of 8/100 and a GF Value™ of KWD0.27 (Fairly Valued). The stock has 6 warning signs investors should review. Among 531 Credit Services companies, Commercial Facilities CoK ranks better than 95.1% on this metric.
The historical rank and industry rank for Commercial Facilities CoK's Net Margin % or its related term are showing as below:
KUW:FACIL'
s Net Margin % Range Over the Past 10 Years
Min: -5.07 Med: 73.14 Max: 90.59
Current: 84.76
KUW:FACIL's Net Margin % is ranked better than 95.1% of 531
companies
in the Credit Services industry
Industry Median: 14.74
vs KUW:FACIL: 84.76
Commercial Facilities CoK (KUW:FACIL) 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.
Commercial Facilities CoK Net Margin % Related Terms
Commercial Facilities CoK 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, Commercial Facilities CoK'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.
Commercial Facilities CoK Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Commercial Facilities CoK's Net Margin % distribution charts can be found below:
* The bar in red indicates where Commercial Facilities CoK'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.
Commercial Facilities CoK (KUW:FACIL) has a Net Margin % of 28.09% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Commercial Facilities CoK and its competitors. This is 62% below median its historical median of 73.14. According to the industry distribution chart, Commercial Facilities CoK ranks #26 out of 531 companies in the Credit Services industry, placing it in the top 4.9%.
Is Commercial Facilities CoK's Net Margin % too high?
Commercial Facilities CoK's current Net Margin % of 28.09% is 62% below median its 10-year median of 73.14. The Credit Services industry median Net Margin % is 14.74. Commercial Facilities CoK's value of 28.09% is 90.6% above this industry median. Based on the distribution chart, Commercial Facilities CoK ranks #26 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Commercial Facilities CoK has a GF Score™ of 8/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial Facilities CoK's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Commercial Facilities CoK ranks #26 out of 531 companies for Net Margin %. This places Commercial Facilities CoK in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.74. Commercial Facilities CoK's value of 28.09% is 90.6% above this benchmark. While the company's 10-year median is 73.14 vs. the industry median of 14.74, Commercial Facilities CoK 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 14.74, based on 531 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. Commercial Facilities CoK's current Net Margin % of 28.09% is 90.6% 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 Commercial Facilities CoK and its competitors. For the Credit Services industry, the median Net Margin % is 14.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Commercial Facilities CoK's current Net Margin % is 28.09%, which is 62% below median its own 10-year median of 73.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Facilities CoK stock overvalued right now?
Based on GuruFocus' analysis, Commercial Facilities CoK (KUW:FACIL) is currently considered Fairly Valued. The stock's GF Value™ is KWD0.27, compared to a current price of KWD0.27 — trading 0.4% above its estimated fair value. The current Net Margin % is 28.09%, which is 62% below median its 10-year median of 73.14 and 90.6% above the Credit Services industry median of 14.74. Commercial Facilities CoK's overall GF Score™ is 8/100 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 Commercial Facilities CoK (KUW:FACIL), the current Net Margin % is 28.09% as of Mar. 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 Commercial Facilities CoK (KUW:FACIL) Overvalued in 2026?
Based on GuruFocus' analysis, Commercial Facilities CoK stock appears to be overvalued.
The current stock price of KWD0.27 is trading 0.4% above its estimated GF Value™ of KWD0.27.
GuruFocus considers Commercial Facilities CoK to be Fairly Valued.
Key valuation signals for KUW:FACIL:
Net Margin %: 28.09% (62% below median its 10-year median of 73.14)
GF Value™: KWD0.27 vs. price of KWD0.27 (0.4% above fair value)
Industry Position: 90.6% above the Credit Services median (#26 of 531)
No single metric tells the full story. See the KUW:FACIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Commercial Facilities Co SAK is a Kuwait-based company engaged in the provision of instalment credit facilities to finance consumer and commercial products. Its services include financing new and used cars, boats, marine equipment, furniture and electrical appliances, basic construction materials, and granting personal cash loans, among others. The company's services fall into four divisions, including Consumer Loans, Cash Loans, Commercial Loans, and Basic Materials Loans. The company also offers its services through online.
8GF Score
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