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Paisalo DigitalLUX:SEINV 73 Operating Margin % is 40.03% as of Mar. 2026, which is 4% above its 10-year median of 38.34. GuruFocus rates LUX:SEINV with a GF Score™ of 73/100 and a GF Value™ of $2.65. The stock has 11 warning signs investors should review. Among 416 Credit Services companies, Paisalo Digital ranks better than 74.52% on this metric.
The historical rank and industry rank for Paisalo Digital's Operating Margin % or its related term are showing as below:
LUX:SEINV'
s Operating Margin % Range Over the Past 10 Years
Min: 37.99 Med: 38.34 Max: 42.91
Current: 38.34
LUX:SEINV's Operating Margin % is ranked better than 74.52% of 416
companies
in the Credit Services industry
Industry Median: 17.325
vs LUX:SEINV: 38.34
Paisalo Digital's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.
Paisalo Digital (LUX:SEINV) 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.
Paisalo Digital Operating Margin % Related Terms
Paisalo Digital Operating Margin % Historical Data
* Premium members only.
The historical data trend for Paisalo Digital'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.
LUX:SEINV vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Paisalo Digital'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.
Paisalo Digital Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Paisalo Digital's Operating Margin % falls into.
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.
Paisalo Digital's Operating Margin % for the fiscal year that ended in Mar. 2026 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.
Paisalo Digital (LUX:SEINV) has a Operating Margin % of 40.03% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Paisalo Digital and its competitors. This is near median its historical median of 38.34. Over the past decade, Paisalo Digital's Operating Margin % has ranged from 37.99 to 42.91. According to the industry distribution chart, Paisalo Digital ranks #106 out of 416 companies in the Credit Services industry, placing it in the top 25.5%.
Is Paisalo Digital's Operating Margin % too high?
Paisalo Digital's current Operating Margin % of 40.03% is near median its 10-year median of 38.34. Over the past 10 years, this metric has ranged from a low of 37.99 to a high of 42.91. The Credit Services industry median Operating Margin % is 17.33. Paisalo Digital's value of 40.03% is 131.1% above this industry median. Based on the distribution chart, Paisalo Digital ranks #106 out of 416 companies in the Credit Services industry, which is above the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #106 out of 416 companies for Operating Margin %. This puts Paisalo Digital in the upper half of its industry. The industry median Operating Margin % is 17.33. Paisalo Digital's value of 40.03% is 131.1% above this benchmark. Historically, Paisalo Digital's own Operating Margin % has ranged from 37.99 to 42.91 over the past decade. While the company's 10-year median is 38.34 vs. the industry median of 17.33, Paisalo Digital 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, 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. Paisalo Digital's current Operating Margin % of 40.03% is 131.1% 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 Paisalo Digital and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current Operating Margin % is 40.03%, which is near median its own 10-year median of 38.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Paisalo Digital (LUX:SEINV) has a current Operating Margin % of 40.03%. The stock's GF Value™ is $2.65, compared to a current price of $3.76 — trading 41.9% above its estimated fair value. The current Operating Margin % is 40.03%, which is near median its 10-year median of 38.34 and 131.1% above the Credit Services industry median of 17.33. Paisalo Digital's overall GF Score™ is 73/100 with 11 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 Paisalo Digital (LUX:SEINV), the current Operating Margin % is 40.03% 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 Paisalo Digital (LUX:SEINV) Overvalued in 2026?
Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued.
The current stock price of $3.76 is trading 41.9% above its estimated GF Value™ of $2.65.
Key valuation signals for LUX:SEINV:
Operating Margin %: 40.03% (near median its 10-year median of 38.34)
GF Value™: $2.65 vs. price of $3.76 (41.9% above fair value)
Industry Position: 131.1% above the Credit Services median (#106 of 416)
No single metric tells the full story. See the LUX:SEINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
73GF Score
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