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Payment Financial Technologies (XTAE:PMNT) 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.
Payment Financial Technologies Net Margin % Related Terms
Payment Financial Technologies 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.
XTAE:PMNT vs MSFT, ORCL, PLTR: Net Margin % Comparison
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies Net Margin % vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's Net Margin % distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies'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.
Payment Financial Technologies (XTAE:PMNT) has a Net Margin % of 33.22% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Payment Financial Technologies and its competitors. This is 88% above median its historical median of 17.66. According to the industry distribution chart, Payment Financial Technologies ranks #108 out of 2834 companies in the Software industry, placing it in the top 3.8%.
Is Payment Financial Technologies' Net Margin % too high?
Payment Financial Technologies' current Net Margin % of 33.22% is 88% above median its 10-year median of 17.66. The Software industry median Net Margin % is 2.62. Payment Financial Technologies' value of 33.22% is 1167.9% above this industry median. Based on the distribution chart, Payment Financial Technologies ranks #108 out of 2834 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Payment Financial Technologies has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Payment Financial Technologies' Net Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #108 out of 2834 companies for Net Margin %. This places Payment Financial Technologies in the top 4% of its industry — outperforming the majority of peers. The industry median Net Margin % is 2.62. Payment Financial Technologies' value of 33.22% is 1167.9% above this benchmark. While the company's 10-year median is 17.66 vs. the industry median of 2.62, Payment Financial Technologies 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 2.62, 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. Payment Financial Technologies's current Net Margin % of 33.22% is 1167.9% 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 Payment Financial Technologies and its competitors. For the Software industry, the median Net Margin % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current Net Margin % is 33.22%, which is 88% above median its own 10-year median of 17.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payment Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Payment Financial Technologies (XTAE:PMNT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₪6.55, compared to a current price of ₪5.76 — trading 12.1% below its estimated fair value. The current Net Margin % is 33.22%, which is 88% above median its 10-year median of 17.66 and 1167.9% above the Software industry median of 2.62. Payment Financial Technologies' overall GF Score™ is 88/100 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 Payment Financial Technologies (XTAE:PMNT), the current Net Margin % is 33.22% as of Dec. 2025. 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 Payment Financial Technologies (XTAE:PMNT) Overvalued in 2026?
Based on GuruFocus' analysis, Payment Financial Technologies stock appears to be undervalued.
The current stock price of ₪5.76 is trading 12.1% below its estimated GF Value™ of ₪6.55.
GuruFocus considers Payment Financial Technologies to be Modestly Undervalued.
Key valuation signals for XTAE:PMNT:
Net Margin %: 33.22% (88% above median its 10-year median of 17.66)
GF Value™: ₪6.55 vs. price of ₪5.76 (12.1% below fair value)
Industry Position: 1167.9% above the Software median (#108 of 2834)
No single metric tells the full story. See the XTAE:PMNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Payment Financial Technologies Ltd owns the PaymenT brand which is a payment platform. It is a means of payment that allows businesses to offer financing to their customers easily, quickly, and conveniently and receive immediate payment for the products and services sold.
88GF Score
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