National Finance CoOGMUS:NFCI +0.47%21 Net Margin % is 33.65% as of Dec. 2025, which is 8% below its 10-year median of 36.38. GuruFocus rates MUS:NFCI with a GF Score™ of 21/100 and a GF Value™ of ر.ع0.18 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 534 Credit Services companies, National Finance CoOG ranks better than 76.97% on this metric.
The historical rank and industry rank for National Finance CoOG's Net Margin % or its related term are showing as below:
MUS:NFCI'
s Net Margin % Range Over the Past 10 Years
Min: 31.36 Med: 36.38 Max: 55.64
Current: 34.48
MUS:NFCI's Net Margin % is ranked better than 76.97% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs MUS:NFCI: 34.48
National Finance CoOG (MUS:NFCI) 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.
National Finance CoOG Net Margin % Related Terms
National Finance CoOG Net Margin % Historical Data
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The historical data trend for National Finance CoOG'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, National Finance CoOG'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.
National Finance CoOG Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, National Finance CoOG's Net Margin % distribution charts can be found below:
* The bar in red indicates where National Finance CoOG'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.
National Finance CoOG (MUS:NFCI) has a Net Margin % of 33.65% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on National Finance CoOG and its competitors. This is near median its historical median of 36.38. Over the past decade, National Finance CoOG's Net Margin % has ranged from 31.36 to 55.64. According to the industry distribution chart, National Finance CoOG ranks #123 out of 534 companies in the Credit Services industry, placing it in the top 23%.
Is National Finance CoOG's Net Margin % too high?
National Finance CoOG's current Net Margin % of 33.65% is near median its 10-year median of 36.38. Over the past 10 years, this metric has ranged from a low of 31.36 to a high of 55.64. The Credit Services industry median Net Margin % is 14.52. National Finance CoOG's value of 33.65% is 131.7% above this industry median. Based on the distribution chart, National Finance CoOG ranks #123 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, National Finance CoOG has a GF Score™ of 21/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Finance CoOG's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, National Finance CoOG ranks #123 out of 534 companies for Net Margin %. This places National Finance CoOG in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.52. National Finance CoOG's value of 33.65% is 131.7% above this benchmark. Historically, National Finance CoOG's own Net Margin % has ranged from 31.36 to 55.64 over the past decade. While the company's 10-year median is 36.38 vs. the industry median of 14.52, National Finance CoOG 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. National Finance CoOG's current Net Margin % of 33.65% is 131.7% 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 National Finance CoOG 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. National Finance CoOG's current Net Margin % is 33.65%, which is near median its own 10-year median of 36.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Finance CoOG stock overvalued right now?
Based on GuruFocus' analysis, National Finance CoOG (MUS:NFCI) is currently considered Modestly Overvalued. The stock's GF Value™ is ر.ع0.18, compared to a current price of ر.ع0.21 — trading 17.8% above its estimated fair value. The current Net Margin % is 33.65%, which is near median its 10-year median of 36.38 and 131.7% above the Credit Services industry median of 14.52. National Finance CoOG's overall GF Score™ is 21/100 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 National Finance CoOG (MUS:NFCI), the current Net Margin % is 33.65% 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.
Is National Finance CoOG (MUS:NFCI) Overvalued in 2026?
Based on GuruFocus' analysis, National Finance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.21 is trading 17.8% above its estimated GF Value™ of ر.ع0.18.
GuruFocus considers National Finance CoOG to be Modestly Overvalued.
Key valuation signals for MUS:NFCI:
Net Margin %: 33.65% (near median its 10-year median of 36.38)
GF Value™: ر.ع0.18 vs. price of ر.ع0.21 (17.8% above fair value)
Industry Position: 131.7% above the Credit Services median (#123 of 534)
No single metric tells the full story. See the MUS:NFCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Finance Co SAOG is a financial institution. The company is engaged in the leasing business. It offers a wide range of financial products to corporate and retail customers with a key focus on Small and Medium Enterprises. The company offers vehicle finance, consumer durables finance, special schemes, equipment finance, corporate deposits, and factoring services. Thec company has three segments: Retail, SME, and Corporate.
21GF Score
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