ELK-Desa Resources BhdXKLS:5228 85 Net Margin % is 16.22% as of Mar. 2026, which is 32% below its 10-year median of 23.96. GuruFocus rates XKLS:5228 with a GF Score™ of 85/100 and a GF Value™ of RM1.41 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, ELK-Desa Resources Bhd ranks better than 51.87% on this metric.
The historical rank and industry rank for ELK-Desa Resources Bhd's Net Margin % or its related term are showing as below:
XKLS:5228'
s Net Margin % Range Over the Past 10 Years
Min: 15.47 Med: 23.96 Max: 30.75
Current: 15.47
XKLS:5228's Net Margin % is ranked better than 51.87% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs XKLS:5228: 15.47
ELK-Desa Resources Bhd (XKLS:5228) 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.
ELK-Desa Resources Bhd Net Margin % Related Terms
ELK-Desa Resources Bhd Net Margin % Historical Data
* 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, ELK-Desa Resources Bhd'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.
ELK-Desa Resources Bhd Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELK-Desa Resources Bhd's Net Margin % distribution charts can be found below:
* The bar in red indicates where ELK-Desa Resources Bhd'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.
ELK-Desa Resources Bhd (XKLS:5228) has a Net Margin % of 16.22% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on ELK-Desa Resources Bhd and its competitors. This is 32% below median its historical median of 23.96. Over the past decade, ELK-Desa Resources Bhd's Net Margin % has ranged from 15.47 to 30.75. According to the industry distribution chart, ELK-Desa Resources Bhd ranks #257 out of 534 companies in the Credit Services industry, placing it in the top 48.1%.
Is ELK-Desa Resources Bhd's Net Margin % too high?
ELK-Desa Resources Bhd's current Net Margin % of 16.22% is 32% below median its 10-year median of 23.96. Over the past 10 years, this metric has ranged from a low of 15.47 to a high of 30.75. The Credit Services industry median Net Margin % is 14.52. ELK-Desa Resources Bhd's value of 16.22% is 11.7% above this industry median. Based on the distribution chart, ELK-Desa Resources Bhd ranks #257 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, ELK-Desa Resources Bhd has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELK-Desa Resources Bhd's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ELK-Desa Resources Bhd ranks #257 out of 534 companies for Net Margin %. This puts ELK-Desa Resources Bhd in the upper half of its industry. The industry median Net Margin % is 14.52. ELK-Desa Resources Bhd's value of 16.22% is 11.7% above this benchmark. Historically, ELK-Desa Resources Bhd's own Net Margin % has ranged from 15.47 to 30.75 over the past decade. While the company's 10-year median is 23.96 vs. the industry median of 14.52, ELK-Desa Resources Bhd 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 Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 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. ELK-Desa Resources Bhd's current Net Margin % of 16.22% is 11.7% 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 ELK-Desa Resources Bhd and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELK-Desa Resources Bhd's current Net Margin % is 16.22%, which is 32% below median its own 10-year median of 23.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELK-Desa Resources Bhd stock overvalued right now?
Based on GuruFocus' analysis, ELK-Desa Resources Bhd (XKLS:5228) is currently considered Modestly Undervalued. The stock's GF Value™ is RM1.41, compared to a current price of RM1.01 — trading 28.4% below its estimated fair value. The current Net Margin % is 16.22%, which is 32% below median its 10-year median of 23.96 and 11.7% above the Credit Services industry median of 14.52. ELK-Desa Resources Bhd's overall GF Score™ is 85/100 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 ELK-Desa Resources Bhd (XKLS:5228), the current Net Margin % is 16.22% 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 ELK-Desa Resources Bhd (XKLS:5228) Overvalued in 2026?
Based on GuruFocus' analysis, ELK-Desa Resources Bhd stock appears to be undervalued.
The current stock price of RM1.01 is trading 28.4% below its estimated GF Value™ of RM1.41.
GuruFocus considers ELK-Desa Resources Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5228:
Net Margin %: 16.22% (32% below median its 10-year median of 23.96)
GF Value™: RM1.41 vs. price of RM1.01 (28.4% below fair value)
Industry Position: 11.7% above the Credit Services median (#257 of 534)
No single metric tells the full story. See the XKLS:5228 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ELK-Desa Resources Bhd is a Malaysian company investment holding company. The company's business segments are Hire-purchase financing and other integrated services and the Trading of furniture. The Hire-purchase financing and other integrated services segment is involved in the business of hire-purchase financing for used motor vehicles as well as selling general insurance policies as an insurance agent and the Trading of furniture segment is involved in the business of trading, export, wholesaling, and manufacturing of furniture. The company earns the majority of its revenue from hire-purchase financing.
85GF Score
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