Money ForwardSTU:47D 68 Net Margin % is 33.05% as of Nov. 2025. GuruFocus rates STU:47D with a GF Score™ of 68/100 and a GF Value™ of €44.22 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 2,827 Software companies, Money Forward ranks better than 71.24% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Money Forward's Net Income for the
three
months ended in Nov. 2025 was €27.7 Mil. Money Forward's Revenue for the
three
months ended in Nov. 2025 was €83.9 Mil. Therefore, Money Forward's net margin for the quarter that ended in Nov. 2025 was 33.05%.
The historical rank and industry rank for Money Forward's Net Margin % or its related term are showing as below:
STU:47D'
s Net Margin % Range Over the Past 10 Years
Min: -57.64 Med: -21.1 Max: 8.51
Current: 8.51
STU:47D's Net Margin % is ranked better than 71.24% of 2827
companies
in the Software industry
Industry Median: 2.54
vs STU:47D: 8.51
Money Forward (STU:47D) 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.
Money Forward Net Margin % Related Terms
Money Forward Net Margin % Historical Data
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The historical data trend for Money Forward'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.
STU:47D vs CRM, SHOP, UBER: Net Margin % Comparison
For the Software - Application subindustry, Money Forward'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.
Money Forward Net Margin % vs Software Industry
For the Software industry and Technology sector, Money Forward's Net Margin % distribution charts can be found below:
* The bar in red indicates where Money Forward'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.
Money Forward (STU:47D) has a Net Margin % of 33.05% as of Nov. 2025. Net margin is the ratio of total net income to net sales. View historical data on Money Forward and its competitors. According to the industry distribution chart, Money Forward ranks #813 out of 2827 companies in the Software industry, placing it in the top 28.8%.
Is Money Forward's Net Margin % too high?
Money Forward's current Net Margin % is 33.05%. The Software industry median Net Margin % is 2.54. Money Forward's value of 33.05% is 1201.2% above this industry median. Based on the distribution chart, Money Forward ranks #813 out of 2827 companies in the Software industry, which is above the industry midpoint. Overall, Money Forward has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Money Forward's Net Margin % compare to CRM and SHOP?
According to the Software industry distribution chart, Money Forward ranks #813 out of 2827 companies for Net Margin %. This puts Money Forward in the upper half of its industry. The industry median Net Margin % is 2.54. Money Forward's value of 33.05% is 1201.2% above this benchmark. 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 Software company?
The median Net Margin % among Software companies is 2.54, based on 2,827 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. Money Forward's current Net Margin % of 33.05% is 1201.2% 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 Money Forward and its competitors. For the Software industry, the median Net Margin % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Money Forward's current Net Margin % is 33.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Money Forward stock overvalued right now?
Based on GuruFocus' analysis, Money Forward (STU:47D) is currently considered Significantly Undervalued. The stock's GF Value™ is €44.22, compared to a current price of €21.40 — trading 51.6% below its estimated fair value. The current Net Margin % is 33.05% and 1201.2% above the Software industry median of 2.54. Money Forward's overall GF Score™ is 68/100 with 3 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 Money Forward (STU:47D), the current Net Margin % is 33.05% as of Nov. 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 Money Forward (STU:47D) Overvalued in 2026?
Based on GuruFocus' analysis, Money Forward stock appears to be undervalued.
The current stock price of €21.40 is trading 51.6% below its estimated GF Value™ of €44.22.
GuruFocus considers Money Forward to be Significantly Undervalued.
Key valuation signals for STU:47D:
Net Margin %: 33.05%
GF Value™: €44.22 vs. price of €21.40 (51.6% below fair value)
Industry Position: 1201.2% above the Software median (#813 of 2827)
No single metric tells the full story. See the STU:47D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Money Forward Inc provides money-related services for individuals and corporations. Its service portfolio comprises personal financial management services and MF cloud services. Its personal financial management services include economic media that conveys money related themes, automatic savings app and mirai talk channel where customers can resolve their financial concerns together directly with financial planners. Its MF Cloud services comprise cloud accounting software, cloud-based tax return, invoice preparation software, payroll calculation, and cloud-based payment reconciliation.
68GF 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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