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Peninsula GroupXTAE:PEN 61 Net Margin % is 47.37% as of Mar. 2026, which is 6% above its 10-year median of 44.56. GuruFocus rates XTAE:PEN with a GF Score™ of 61/100 and a GF Value™ of ₪2.71 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 535 Credit Services companies, Peninsula Group ranks better than 83.93% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Peninsula Group's Net Income for the
three
months ended in Mar. 2026 was ₪17.1 Mil. Peninsula Group's Revenue for the
three
months ended in Mar. 2026 was ₪36.1 Mil. Therefore, Peninsula Group's net margin for the quarter that ended in Mar. 2026 was 47.37%.
The historical rank and industry rank for Peninsula Group's Net Margin % or its related term are showing as below:
XTAE:PEN'
s Net Margin % Range Over the Past 10 Years
Min: 38.49 Med: 44.56 Max: 49.85
Current: 45.82
XTAE:PEN's Net Margin % is ranked better than 83.93% of 535
companies
in the Credit Services industry
Industry Median: 14.9
vs XTAE:PEN: 45.82
Peninsula Group (XTAE:PEN) 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.
Peninsula Group Net Margin % Related Terms
Peninsula Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Peninsula Group'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, Peninsula Group'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.
Peninsula Group Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Peninsula Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Peninsula Group'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.
Peninsula Group (XTAE:PEN) has a Net Margin % of 47.37% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Peninsula Group and its competitors. This is near median its historical median of 44.56. Over the past decade, Peninsula Group's Net Margin % has ranged from 38.49 to 49.85. According to the industry distribution chart, Peninsula Group ranks #86 out of 535 companies in the Credit Services industry, placing it in the top 16.1%.
Is Peninsula Group's Net Margin % too high?
Peninsula Group's current Net Margin % of 47.37% is near median its 10-year median of 44.56. Over the past 10 years, this metric has ranged from a low of 38.49 to a high of 49.85. The Credit Services industry median Net Margin % is 14.90. Peninsula Group's value of 47.37% is 217.9% above this industry median. Based on the distribution chart, Peninsula Group ranks #86 out of 535 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Peninsula Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Peninsula Group's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Peninsula Group ranks #86 out of 535 companies for Net Margin %. This places Peninsula Group in the top 16% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.90. Peninsula Group's value of 47.37% is 217.9% above this benchmark. Historically, Peninsula Group's own Net Margin % has ranged from 38.49 to 49.85 over the past decade. While the company's 10-year median is 44.56 vs. the industry median of 14.90, Peninsula Group 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 14.90, based on 535 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. Peninsula Group's current Net Margin % of 47.37% is 217.9% 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 Peninsula Group and its competitors. For the Credit Services industry, the median Net Margin % is 14.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Peninsula Group's current Net Margin % is 47.37%, which is near median its own 10-year median of 44.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Peninsula Group stock overvalued right now?
Based on GuruFocus' analysis, Peninsula Group (XTAE:PEN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪2.71, compared to a current price of ₪3.58 — trading 32.1% above its estimated fair value. The current Net Margin % is 47.37%, which is near median its 10-year median of 44.56 and 217.9% above the Credit Services industry median of 14.90. Peninsula Group's overall GF Score™ is 61/100 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 Peninsula Group (XTAE:PEN), the current Net Margin % is 47.37% 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 Peninsula Group (XTAE:PEN) Overvalued in 2026?
Based on GuruFocus' analysis, Peninsula Group stock appears to be overvalued.
The current stock price of ₪3.58 is trading 32.1% above its estimated GF Value™ of ₪2.71.
GuruFocus considers Peninsula Group to be Significantly Overvalued.
Key valuation signals for XTAE:PEN:
Net Margin %: 47.37% (near median its 10-year median of 44.56)
GF Value™: ₪2.71 vs. price of ₪3.58 (32.1% above fair value)
Industry Position: 217.9% above the Credit Services median (#86 of 535)
No single metric tells the full story. See the XTAE:PEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Peninsula Group Ltd is engaged in providing financial services. The Company is engaged in providing credit facilities including loans, leasing and factoring and investment banking services. It provides credit to small and medium-sized companies in Israel. It also serves customers in fields of manufacturing, commerce, import, distribution, construction, infrastructure, retail, and services.
61GF Score
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