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Fast Finance24 Holding AGFRA:FF24 +4.00% Operating Margin % is 1.85% as of Jun. 2025, which is 90% below its 10-year median of 17.86. The stock has 2 warning signs investors should review. Among 413 Credit Services companies, Fast Finance24 Holding AG ranks worse than 96.61% on this metric.
Fast Finance24 Holding AG (FRA:FF24) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Fast Finance24 Holding AG Operating Margin % Related Terms
Fast Finance24 Holding AG Operating 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.
Fast Finance24 Holding AG Operating Margin % Chart
FRA:FF24 vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Fast Finance24 Holding AG's Operating Margin %, along with its competitors' market caps and Operating 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.
Fast Finance24 Holding AG Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fast Finance24 Holding AG's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Fast Finance24 Holding AG's Operating Margin % falls into.
Fast Finance24 Holding AG Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Fast Finance24 Holding AG's Operating Margin % for the fiscal year that ended in Dec. 2024 is calculated as
* 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.
Fast Finance24 Holding AG (FRA:FF24) has a Operating Margin % of 1.85% as of Jun. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on Fast Finance24 Holding AG and its competitors. This is 90% below median its historical median of 17.86. According to the industry distribution chart, Fast Finance24 Holding AG ranks #399 out of 413 companies in the Credit Services industry, placing it in the top 96.6%.
Is Fast Finance24 Holding AG's Operating Margin % too high?
Fast Finance24 Holding AG's current Operating Margin % of 1.85% is 90% below median its 10-year median of 17.86. The Credit Services industry median Operating Margin % is 17.58. Fast Finance24 Holding AG's value of 1.85% is 89.5% below this industry median. Based on the distribution chart, Fast Finance24 Holding AG ranks #399 out of 413 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does Fast Finance24 Holding AG's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Fast Finance24 Holding AG ranks #399 out of 413 companies for Operating Margin %. This places Fast Finance24 Holding AG in the lower half of its industry. The industry median Operating Margin % is 17.58. Fast Finance24 Holding AG's value of 1.85% is 89.5% below this benchmark. While the company's 10-year median is 17.86 vs. the industry median of 17.58, Fast Finance24 Holding AG 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.58, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fast Finance24 Holding AG's current Operating Margin % of 1.85% is 89.5% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Fast Finance24 Holding AG and its competitors. For the Credit Services industry, the median Operating Margin % is 17.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fast Finance24 Holding AG's current Operating Margin % is 1.85%, which is 90% below median its own 10-year median of 17.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fast Finance24 Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Fast Finance24 Holding AG (FRA:FF24) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.16, compared to a current price of €0.03 — trading 83.8% below its estimated fair value. The current Operating Margin % is 1.85%, which is 90% below median its 10-year median of 17.86 and 89.5% below the Credit Services industry median of 17.58. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Fast Finance24 Holding AG (FRA:FF24), the current Operating Margin % is 1.85% as of Jun. 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.
Fast Finance24 Holding AG is involved in providing different online products for consumer credits such as FF24 Rent, FF24 payments and FF24 Pay offering financial services to benefit the underbanked people facing a short-term economic issue. It also consists of other products such as FF24 Trade, FF24 invest and OK.de. FF24 Rent platform is optimised for both desktop and mobile devices. This means that a customer can instantly request a loan on the go, whenever and wherever he needs it.
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