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AI FinancialSTU:5AR1 -8.99%24 Net Margin % is -5,761.56% as of Mar. 2026. GuruFocus rates STU:5AR1 with a GF Score™ of 24/100. The stock has 6 warning signs investors should review. Among 2,835 Software companies, AI Financial ranks worse than 97.78% on this metric.
Net margin is calculated as Net Income divided by its Revenue. AI Financial's Net Income for the
three
months ended in Mar. 2026 was €-234.84 Mil. AI Financial's Revenue for the
three
months ended in Mar. 2026 was €4.08 Mil. Therefore, AI Financial's net margin for the quarter that ended in Mar. 2026 was -5,761.56%.
The historical rank and industry rank for AI Financial's Net Margin % or its related term are showing as below:
STU:5AR1'
s Net Margin % Range Over the Past 10 Years
Min: -2550.71 Med: -29.59 Max: 0.28
Current: -2550.71
STU:5AR1's Net Margin % is ranked worse than 97.78% of 2835
companies
in the Software industry
Industry Median: 2.64
vs STU:5AR1: -2550.71
AI Financial (STU:5AR1) 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.
AI Financial Net Margin % Related Terms
AI Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for AI Financial'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:5AR1 vs AGPU, AISP, FATN: Net Margin % Comparison
For the Software - Infrastructure subindustry, AI Financial'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.
AI Financial Net Margin % vs Software Industry
For the Software industry and Technology sector, AI Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where AI Financial'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.
AI Financial (STU:5AR1) has a Net Margin % of -5,761.56% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AI Financial and its competitors. According to the industry distribution chart, AI Financial ranks #2772 out of 2835 companies in the Software industry, placing it in the top 97.8%.
Is AI Financial's Net Margin % too high?
AI Financial's current Net Margin % is -5,761.56%. Based on the distribution chart, AI Financial ranks #2772 out of 2835 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, AI Financial has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does AI Financial's Net Margin % compare to AGPU and AISP?
According to the Software industry distribution chart, AI Financial ranks #2772 out of 2835 companies for Net Margin %. This places AI Financial in the lower half of its industry. The industry median Net Margin % is 2.64. 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 2.64, based on 2,835 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 AI Financial and its competitors. For the Software industry, the median Net Margin % is 2.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AI Financial's current Net Margin % is -5,761.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AI Financial stock overvalued right now?
AI Financial (STU:5AR1) has a current Net Margin % of -5,761.56%. The current Net Margin % is -5,761.56%. AI Financial's overall GF Score™ is 24/100 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 AI Financial (STU:5AR1), the current Net Margin % is -5,761.56% 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.
AI Financial Corp is a payment infrastructure company. The company provides payment infrastructure services focused on payment processing and financial transaction technologies. Its capabilities include payment processing, security features, tokenization, and AI-based commerce solutions. It also provides infrastructure for crypto and decentralized finance (DeFi) payment processing and is developing additional capabilities for automated and programmable payment systems.
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