Net margin is calculated as Net Income divided by its Revenue. Makati Finance's Net Income for the
three
months ended in Mar. 2026 was ₱-62.9 Mil. Makati Finance's Revenue for the
three
months ended in Mar. 2026 was ₱41.3 Mil. Therefore, Makati Finance's net margin for the quarter that ended in Mar. 2026 was -152.18%.
The historical rank and industry rank for Makati Finance's Net Margin % or its related term are showing as below:
PHS:MFIN'
s Net Margin % Range Over the Past 10 Years
Min: -40.48 Med: 9.21 Max: 33.57
Current: -40.48
PHS:MFIN's Net Margin % is ranked worse than 88.58% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs PHS:MFIN: -40.48
Makati Finance (PHS:MFIN) 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.
Makati Finance Net Margin % Related Terms
Makati Finance Net Margin % Historical Data
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The historical data trend for Makati Finance'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, Makati Finance'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.
Makati Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance (PHS:MFIN) has a Net Margin % of -152.18% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Makati Finance and its competitors. According to the industry distribution chart, Makati Finance ranks #473 out of 534 companies in the Credit Services industry, placing it in the top 88.6%.
Is Makati Finance's Net Margin % too high?
Makati Finance's current Net Margin % is -152.18%. Based on the distribution chart, Makati Finance ranks #473 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Makati Finance has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #473 out of 534 companies for Net Margin %. This places Makati Finance in the lower half of its industry. The industry median Net Margin % is 14.52. 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. 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 Makati Finance 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. Makati Finance's current Net Margin % is -152.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.19 — trading 13.5% above its estimated fair value. The current Net Margin % is -152.18%. Makati Finance's overall GF Score™ is 58/100 with 8 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 Makati Finance (PHS:MFIN), the current Net Margin % is -152.18% 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
Net Margin %: -152.18%
GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
58GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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