Fon SEWAR:FON 70 Net Margin % is 84.84% as of Mar. 2026. GuruFocus rates WAR:FON with a GF Score™ of 70/100 and a GF Value™ of zł2.66 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 533 Credit Services companies, Fon SE ranks better than 94.93% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Fon SE's Net Income for the
three
months ended in Mar. 2026 was zł0.39 Mil. Fon SE's Revenue for the
three
months ended in Mar. 2026 was zł0.46 Mil. Therefore, Fon SE's net margin for the quarter that ended in Mar. 2026 was 84.84%.
The historical rank and industry rank for Fon SE's Net Margin % or its related term are showing as below:
WAR:FON'
s Net Margin % Range Over the Past 10 Years
Min: -3957.84 Med: -33.93 Max: 122.54
Current: 84.12
WAR:FON's Net Margin % is ranked better than 94.93% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs WAR:FON: 84.12
Fon SE (WAR:FON) 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.
Fon SE Net Margin % Related Terms
Fon SE Net Margin % Historical Data
* Premium members only.
The historical data trend for Fon SE'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, Fon SE'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.
Fon SE Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fon SE's Net Margin % distribution charts can be found below:
* The bar in red indicates where Fon SE'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.
Fon SE (WAR:FON) has a Net Margin % of 84.84% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Fon SE and its competitors. According to the industry distribution chart, Fon SE ranks #27 out of 533 companies in the Credit Services industry, placing it in the top 5.1%.
Is Fon SE's Net Margin % too high?
Fon SE's current Net Margin % is 84.84%. The Credit Services industry median Net Margin % is 14.54. Fon SE's value of 84.84% is 483.5% above this industry median. Based on the distribution chart, Fon SE ranks #27 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Fon SE has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fon SE's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Fon SE ranks #27 out of 533 companies for Net Margin %. This places Fon SE in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.54. Fon SE's value of 84.84% is 483.5% 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 Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 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. Fon SE's current Net Margin % of 84.84% is 483.5% 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 Fon SE and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fon SE's current Net Margin % is 84.84%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fon SE stock overvalued right now?
Based on GuruFocus' analysis, Fon SE (WAR:FON) is currently considered Possible Value Trap. The stock's GF Value™ is zł2.66, compared to a current price of zł1.80 — trading 32.3% below its estimated fair value. The current Net Margin % is 84.84% and 483.5% above the Credit Services industry median of 14.54. Fon SE's overall GF Score™ is 70/100 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 Fon SE (WAR:FON), the current Net Margin % is 84.84% 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 Fon SE (WAR:FON) Overvalued in 2026?
Based on GuruFocus' analysis, Fon SE stock appears to be undervalued.
The current stock price of zł1.80 is trading 32.3% below its estimated GF Value™ of zł2.66.
GuruFocus considers Fon SE to be Possible Value Trap.
Key valuation signals for WAR:FON:
Net Margin %: 84.84%
GF Value™: zł2.66 vs. price of zł1.80 (32.3% below fair value)
Industry Position: 483.5% above the Credit Services median (#27 of 533)
No single metric tells the full story. See the WAR:FON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fon SE is engaged in financial activities and capital investments. The company offers medium-term cash loans to retail clients and small businesses and generates revenue through interest on loans granted. Geographically, it derives a majority of its revenue from its customers in Poland and the rest from Estonia.
70GF 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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