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Paycloud HoldingsTSE:4015 +0.19%78 Net Margin % is 2.92% as of Feb. 2026, which is 47% above its 10-year median of 1.98. GuruFocus rates TSE:4015 with a GF Score™ of 78/100 and a GF Value™ of 円800.23 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 2,834 Software companies, Paycloud Holdings ranks worse than 56.88% on this metric.
Paycloud Holdings (TSE:4015) 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.
Paycloud Holdings Net Margin % Related Terms
Paycloud Holdings Net Margin % Historical Data
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The historical data trend for Paycloud Holdings'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.
TSE:4015 vs QH, SHOP, UBER: Net Margin % Comparison
For the Software - Application subindustry, Paycloud Holdings'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.
Paycloud Holdings Net Margin % vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Paycloud Holdings'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.
Paycloud Holdings (TSE:4015) has a Net Margin % of 2.92% as of Feb. 2026. Net margin is the ratio of total net income to net sales. View historical data on Paycloud Holdings and its competitors. This is 47% above median its historical median of 1.98. According to the industry distribution chart, Paycloud Holdings ranks #1612 out of 2834 companies in the Software industry, placing it in the top 56.9%.
Is Paycloud Holdings' Net Margin % too high?
Paycloud Holdings' current Net Margin % of 2.92% is 47% above median its 10-year median of 1.98. The Software industry median Net Margin % is 2.63. Paycloud Holdings' value of 2.92% is 11% above this industry median. Based on the distribution chart, Paycloud Holdings ranks #1612 out of 2834 companies in the Software industry, which is below the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Net Margin % compare to QH and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #1612 out of 2834 companies for Net Margin %. This places Paycloud Holdings in the lower half of its industry. The industry median Net Margin % is 2.63. Paycloud Holdings' value of 2.92% is 11% above this benchmark. While the company's 10-year median is 1.98 vs. the industry median of 2.63, Paycloud Holdings 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 Software company?
The median Net Margin % among Software companies is 2.63, based on 2,834 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. Paycloud Holdings's current Net Margin % of 2.92% is 11% 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 Paycloud Holdings and its competitors. For the Software industry, the median Net Margin % is 2.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paycloud Holdings's current Net Margin % is 2.92%, which is 47% above median its own 10-year median of 1.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円800.23, compared to a current price of 円541.00 — trading 32.4% below its estimated fair value. The current Net Margin % is 2.92%, which is 47% above median its 10-year median of 1.98 and 11% above the Software industry median of 2.63. Paycloud Holdings' overall GF Score™ is 78/100 with 4 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 Paycloud Holdings (TSE:4015), the current Net Margin % is 2.92% as of Feb. 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円541.00 is trading 32.4% below its estimated GF Value™ of 円800.23.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Net Margin %: 2.92% (47% above median its 10-year median of 1.98)
GF Value™: 円800.23 vs. price of 円541.00 (32.4% below fair value)
Industry Position: 11% above the Software median (#1612 of 2834)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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