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J and Friends HoldingsJF +1.09%24 Operating Margin % is 61.97% as of Dec. 2025. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 416 Credit Services companies, J and Friends Holdings ranks worse than 90.87% on this metric.
J and Friends Holdings (NAS:JF) 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.
J and Friends Holdings Operating Margin % Related Terms
J and Friends Holdings Operating Margin % Historical Data
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The historical data trend for J and Friends Holdings's Operating 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.
JF vs STQN, AIJTY, SPST: Operating Margin % Comparison
For the Credit Services subindustry, J and Friends Holdings'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.
J and Friends Holdings Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's Operating Margin % distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings's Operating Margin % falls into.
J and Friends Holdings 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.
J and Friends Holdings's Operating Margin % for the fiscal year that ended in Dec. 2025 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.
J and Friends Holdings (JF) has a Operating Margin % of 61.97% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on J and Friends Holdings and its competitors. According to the industry distribution chart, J and Friends Holdings ranks #378 out of 416 companies in the Credit Services industry, placing it in the top 90.9%.
Is J and Friends Holdings' Operating Margin % too high?
J and Friends Holdings' current Operating Margin % is 61.97%. The Credit Services industry median Operating Margin % is 20.25. J and Friends Holdings' value of 61.97% is 206% above this industry median. Based on the distribution chart, J and Friends Holdings ranks #378 out of 416 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' Operating Margin % compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #378 out of 416 companies for Operating Margin %. This places J and Friends Holdings in the lower half of its industry. The industry median Operating Margin % is 20.25. J and Friends Holdings' value of 61.97% is 206% above this benchmark. 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 20.25, based on 416 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. J and Friends Holdings's current Operating Margin % of 61.97% is 206% 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 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median Operating Margin % is 20.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current Operating Margin % is 61.97%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current Operating Margin % of 61.97%. The current Operating Margin % is 61.97% and 206% above the Credit Services industry median of 20.25. J and Friends Holdings' overall GF Score™ is 24/100 with 5 warning signs to review. 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 J and Friends Holdings (JF), the current Operating Margin % is 61.97% 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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