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Yixin GroupSTU:1YX 54 Net Margin % is 12.63% as of Jun. 2026, which is 1757% above its 10-year median of 0.68. GuruFocus rates STU:1YX with a GF Score™ of 54/100 and a GF Value™ of €0.17 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 542 Credit Services companies, Yixin Group ranks worse than 59.41% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Yixin Group's Net Income for the
six
months ended in Jun. 2026 was €99 Mil. Yixin Group's Revenue for the
six
months ended in Jun. 2026 was €782 Mil. Therefore, Yixin Group's net margin for the quarter that ended in Jun. 2026 was 12.63%.
The historical rank and industry rank for Yixin Group's Net Margin % or its related term are showing as below:
STU:1YX'
s Net Margin % Range Over the Past 10 Years
Min: -469.36 Med: 0.68 Max: 11.03
Current: 11.03
STU:1YX's Net Margin % is ranked worse than 59.41% of 542
companies
in the Credit Services industry
Industry Median: 15.535
vs STU:1YX: 11.03
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.
Yixin Group Net Margin % Related Terms
Yixin Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Yixin Group'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, Yixin Group'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.
Yixin Group Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Yixin Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Yixin Group'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.
Yixin Group (STU:1YX) has a Net Margin % of 12.63% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Yixin Group and its competitors. This is 1757% above median its historical median of 0.68. According to the industry distribution chart, Yixin Group ranks #322 out of 542 companies in the Credit Services industry, placing it in the top 59.4%.
Is Yixin Group's Net Margin % too high?
Yixin Group's current Net Margin % of 12.63% is 1757% above median its 10-year median of 0.68. The Credit Services industry median Net Margin % is 15.54. Yixin Group's value of 12.63% is 18.7% below this industry median. Based on the distribution chart, Yixin Group ranks #322 out of 542 companies in the Credit Services industry, which is below the industry midpoint. Overall, Yixin Group has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Yixin Group's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Yixin Group ranks #322 out of 542 companies for Net Margin %. This places Yixin Group in the lower half of its industry. The industry median Net Margin % is 15.54. Yixin Group's value of 12.63% is 18.7% below this benchmark. While the company's 10-year median is 0.68 vs. the industry median of 15.54, Yixin Group 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 15.54, based on 542 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. Yixin Group's current Net Margin % of 12.63% is 18.7% 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 Yixin Group 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. Yixin Group's current Net Margin % is 12.63%, which is 1757% above median its own 10-year median of 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yixin Group stock overvalued right now?
Based on GuruFocus' analysis, Yixin Group (STU:1YX) is currently considered Possible Value Trap. The stock's GF Value™ is €0.17, compared to a current price of €0.12 — trading 32.4% below its estimated fair value. The current Net Margin % is 12.63%, which is 1757% above median its 10-year median of 0.68 and 18.7% below the Credit Services industry median of 15.54. Yixin Group's overall GF Score™ is 54/100 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 Yixin Group (STU:1YX), the current Net Margin % is 12.63% as of Jun. 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 Yixin Group (STU:1YX) Overvalued in 2026?
Based on GuruFocus' analysis, Yixin Group stock appears to be undervalued.
The current stock price of €0.12 is trading 32.4% below its estimated GF Value™ of €0.17.
GuruFocus considers Yixin Group to be Possible Value Trap.
Key valuation signals for STU:1YX:
Net Margin %: 12.63% (1757% above median its 10-year median of 0.68)
GF Value™: €0.17 vs. price of €0.12 (32.4% below fair value)
Industry Position: 18.7% below the Credit Services median (#322 of 542)
No single metric tells the full story. See the STU:1YX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yixin Group Ltd is an online automobile finance transaction platform in China. The company operates in two segments namely Transaction platform services and Self-operated financing business. The transaction platform segment is comprised of facilitation of auto loans to consumers offered by its auto finance partners. Self-operated financing segment comprises of auto finance solutions through financing leases. The company generates a majority of its revenue from the Transaction Platform segment.
54GF Score
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