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.
Makati FinancePHS:MFIN 53 OCF Margin % is 33.73% as of Mar. 2026, which is 34% above its 10-year median of 25.18. GuruFocus rates PHS:MFIN with a GF Score™ of 53/100 and a GF Value™ of ₱1.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 535 Credit Services companies, Makati Finance ranks better than 87.29% on this metric.
The historical data trend for Makati Finance's OCF 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, Makati Finance's OCF Margin %, along with its competitors' market caps and OCF 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.
Makati Finance OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Makati Finance's OCF 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.
Makati Finance (PHS:MFIN) has a OCF Margin % of 33.73% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Makati Finance and its competitors. This is 34% above median its historical median of 25.18. According to the industry distribution chart, Makati Finance ranks #68 out of 535 companies in the Credit Services industry, placing it in the top 12.7%.
Is Makati Finance's OCF Margin % too high?
Makati Finance's current OCF Margin % of 33.73% is 34% above median its 10-year median of 25.18. The Credit Services industry median OCF Margin % is 2.55. Makati Finance's value of 33.73% is 1222.7% above this industry median. Based on the distribution chart, Makati Finance ranks #68 out of 535 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Makati Finance has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #68 out of 535 companies for OCF Margin %. This places Makati Finance in the top 13% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.55. Makati Finance's value of 33.73% is 1222.7% above this benchmark. While the company's 10-year median is 25.18 vs. the industry median of 2.55, Makati Finance 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Makati Finance's current OCF Margin % of 33.73% is 1222.7% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Makati Finance and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current OCF Margin % is 33.73%, which is 34% above median its own 10-year median of 25.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.66, compared to a current price of ₱2.39 — trading 44% above its estimated fair value. The current OCF Margin % is 33.73%, which is 34% above median its 10-year median of 25.18 and 1222.7% above the Credit Services industry median of 2.55. Makati Finance's overall GF Score™ is 53/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Makati Finance (PHS:MFIN), the current OCF Margin % is 33.73% 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.39 is trading 44% above its estimated GF Value™ of ₱1.66.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
OCF Margin %: 33.73% (34% above median its 10-year median of 25.18)
GF Value™: ₱1.66 vs. price of ₱2.39 (44% above fair value)
Industry Position: 1222.7% above the Credit Services median (#68 of 535)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
53GF Score
Get the complete analysis for PHS:MFIN
OCF 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
PHS:MFIN has been successfully added to your 
