Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Phoenix FinancialXTAE:PHOE 77 Net Margin % is 7.35% as of Jun. 2026, which is 20% above its 10-year median of 6.14. GuruFocus rates XTAE:PHOE with a GF Score™ of 77/100 and a GF Value™ of ₪77.33 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 496 Insurance companies, Phoenix Financial ranks better than 56.85% on this metric.
Phoenix Financial (XTAE:PHOE) 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.
Phoenix Financial Net Margin % Related Terms
Phoenix Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Phoenix 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.
XTAE:PHOE vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, Phoenix 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.
Phoenix Financial Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Phoenix Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Phoenix 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.
Phoenix Financial (XTAE:PHOE) has a Net Margin % of 7.35% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Phoenix Financial and its competitors. This is 20% above median its historical median of 6.14. Over the past decade, Phoenix Financial's Net Margin % has ranged from 1.25 to 14.81. According to the industry distribution chart, Phoenix Financial ranks #214 out of 496 companies in the Insurance industry, placing it in the top 43.1%.
Is Phoenix Financial's Net Margin % too high?
Phoenix Financial's current Net Margin % of 7.35% is 20% above median its 10-year median of 6.14. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 14.81. The Insurance industry median Net Margin % is 9.20. Phoenix Financial's value of 7.35% is 20.1% below this industry median. Based on the distribution chart, Phoenix Financial ranks #214 out of 496 companies in the Insurance industry, which is above the industry midpoint. Overall, Phoenix Financial has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Phoenix Financial's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Phoenix Financial ranks #214 out of 496 companies for Net Margin %. This puts Phoenix Financial in the upper half of its industry. The industry median Net Margin % is 9.20. Phoenix Financial's value of 7.35% is 20.1% below this benchmark. Historically, Phoenix Financial's own Net Margin % has ranged from 1.25 to 14.81 over the past decade. While the company's 10-year median is 6.14 vs. the industry median of 9.20, Phoenix Financial has consistently been below 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 an Insurance company?
The median Net Margin % among Insurance companies is 9.20, based on 496 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. Phoenix Financial's current Net Margin % of 7.35% is 20.1% below 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 Phoenix Financial and its competitors. For the Insurance industry, the median Net Margin % is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phoenix Financial's current Net Margin % is 7.35%, which is 20% above median its own 10-year median of 6.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phoenix Financial stock overvalued right now?
Based on GuruFocus' analysis, Phoenix Financial (XTAE:PHOE) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪77.33, compared to a current price of ₪186.40 — trading 141% above its estimated fair value. The current Net Margin % is 7.35%, which is 20% above median its 10-year median of 6.14 and 20.1% below the Insurance industry median of 9.20. Phoenix Financial's overall GF Score™ is 77/100 with 7 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 Phoenix Financial (XTAE:PHOE), the current Net Margin % is 7.35% as of Jun. 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 Phoenix Financial (XTAE:PHOE) Overvalued in 2026?
Based on GuruFocus' analysis, Phoenix Financial stock appears to be overvalued.
The current stock price of ₪186.40 is trading 141% above its estimated GF Value™ of ₪77.33.
GuruFocus considers Phoenix Financial to be Significantly Overvalued.
Key valuation signals for XTAE:PHOE:
Net Margin %: 7.35% (20% above median its 10-year median of 6.14)
GF Value™: ₪77.33 vs. price of ₪186.40 (141% above fair value)
Industry Position: 20.1% below the Insurance median (#214 of 496)
No single metric tells the full story. See the XTAE:PHOE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phoenix Financial Ltd is an Israel-based investment and financial services company with over $200 billion in assets under management. The company operates across multi-line insurance and asset management activities, including fund management, wealth solutions, retirement, advisory, brokerage, employee stock option administration, and credit origination. Phoenix Financial is listed on the Tel Aviv Stock Exchange and is a constituent of the TA-35, MSCI World, MSCI Israel, FTSE Developed, and Bloomberg Developed Markets indices.
77GF Score
Get the complete analysis for XTAE:PHOE
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:PHOE has been successfully added to your 
