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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.
* 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: OCF Margin % Comparison
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies OCF Margin % vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies'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.
Payment Financial Technologies (XTAE:PMNT) has a OCF Margin % of 5.09% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Payment Financial Technologies and its competitors. According to the industry distribution chart, Payment Financial Technologies ranks #1551 out of 2822 companies in the Software industry, placing it in the top 55%.
Is Payment Financial Technologies' OCF Margin % too high?
Payment Financial Technologies' current OCF Margin % is 5.09%. The Software industry median OCF Margin % is 6.70. Payment Financial Technologies' value of 5.09% is 24% below this industry median. Based on the distribution chart, Payment Financial Technologies ranks #1551 out of 2822 companies in the Software industry, which is below the industry midpoint. 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' OCF Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #1551 out of 2822 companies for OCF Margin %. This places Payment Financial Technologies in the lower half of its industry. The industry median OCF Margin % is 6.70. Payment Financial Technologies' value of 5.09% is 24% below this benchmark. 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 Software company?
The median OCF Margin % among Software companies is 6.70, based on 2,822 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. Payment Financial Technologies's current OCF Margin % of 5.09% is 24% 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 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 Payment Financial Technologies and its competitors. For the Software industry, the median OCF Margin % is 6.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current OCF Margin % is 5.09%. 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 OCF Margin % is 5.09% and 24% below the Software industry median of 6.70. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Payment Financial Technologies (XTAE:PMNT), the current OCF Margin % is 5.09% 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:
OCF Margin %: 5.09%
GF Value™: ₪6.55 vs. price of ₪5.76 (12.1% below fair value)
Industry Position: 24% below the Software median (#1551 of 2822)
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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