General Capital (NZSE:GEN) Operating Margin %: 130.11% (As of Mar. 2026)


NZSE:GEN General Capital Ltd NZSE:GEN
42 GF Score
Price NZ$0.26
GF Value NZ$0.97
Valuation Possible Value Trap
! 3 Warning Signs
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What is General Capital Operating Margin %?

General Capital NZSE:GEN -1.89% 42 Operating Margin % is 130.11% as of Mar. 2026. GuruFocus rates NZSE:GEN with a GF Score™ of 42/100 and a GF Value™ of NZ$0.97 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 48 Banks companies, General Capital ranks worse than 100% on this metric.

Operating Margin % is calculated as Operating Income divided by its Revenue. General Capital's Operating Income for the six months ended in Mar. 2026 was NZ$-16.00 Mil. General Capital's Revenue for the six months ended in Mar. 2026 was NZ$-12.30 Mil. Therefore, General Capital's Operating Margin % for the quarter that ended in Mar. 2026 was 130.11%.

The historical rank and industry rank for General Capital's Operating Margin % or its related term are showing as below:

NZSE:GEN' s Operating Margin % Range Over the Past 10 Years
Min: -4532.43   Med: -1777.75   Max: 60.49
Current: -1164.67


NZSE:GEN's Operating Margin % is ranked worse than
100% of 48 companies
in the Banks industry
Industry Median: 18.135 vs NZSE:GEN: -1164.67

General Capital's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.

General Capital's Operating Income for the six months ended in Mar. 2026 was NZ$-16.00 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$-6.99 Mil.


General Capital  (NZSE:GEN) 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 Nokia’s 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.


General Capital Operating Margin % Related Terms


General Capital Operating Margin % Historical Data

* Premium members only.

The historical data trend for General Capital'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.

General Capital Operating Margin % Chart

General Capital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Operating Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 60.49 -4,532.43 -3,227.27 -3,009.78 -1,166.61

General Capital Semi-Annual Data
Sep16 Mar17 Sep17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Operating Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 137.01 70.13 135.40 69.88 130.11

NZSE:GEN vs RKT, FNMA, PFSI: Operating Margin % Comparison

For the Mortgage Finance subindustry, General Capital'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.


General Capital Operating Margin % vs Banks Industry

For the Banks industry and Financial Services sector, General Capital's Operating Margin % distribution charts can be found below:

* The bar in red indicates where General Capital's Operating Margin % falls into.


NZSE:GEN
42GF Score
General Capital Ltd NZSE:GEN
Operating Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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General Capital 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.

General Capital's Operating Margin % for the fiscal year that ended in Mar. 2026 is calculated as

Operating Margin %=Operating Income (A: Mar. 2026 ) / Revenue (A: Mar. 2026 )
=-6.988 / 0.599
=-1,166.61 %

General Capital's Operating Margin % for the quarter that ended in Mar. 2026 is calculated as

Operating Margin %=Operating Income (Q: Mar. 2026 ) / Revenue (Q: Mar. 2026 )
=-16.003 / -12.3
=130.11 %

* 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.

Frequently Asked Questions Learn more about Operating Margin % →
What does a Operating Margin % of 130.11% mean?
General Capital (NZSE:GEN) has a Operating Margin % of 130.11% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on General Capital and its competitors. According to the industry distribution chart, General Capital ranks #48 out of 48 companies in the Banks industry.
Is General Capital's Operating Margin % too high?
General Capital's current Operating Margin % is 130.11%. The Banks industry median Operating Margin % is 18.14. General Capital's value of 130.11% is 617.5% above this industry median. Based on the distribution chart, General Capital ranks #48 out of 48 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #48 out of 48 companies for Operating Margin %. This places General Capital in the lower half of its industry. The industry median Operating Margin % is 18.14. General Capital's value of 130.11% is 617.5% 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 Banks company?
The median Operating Margin % among Banks companies is 18.14, based on 48 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. General Capital's current Operating Margin % of 130.11% is 617.5% 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 General Capital and its competitors. For the Banks industry, the median Operating Margin % is 18.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current Operating Margin % is 130.11%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.97, compared to a current price of NZ$0.26 — trading 73.2% below its estimated fair value. The current Operating Margin % is 130.11% and 617.5% above the Banks industry median of 18.14. General Capital's overall GF Score™ is 42/100 with 3 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 General Capital (NZSE:GEN), the current Operating Margin % is 130.11% 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 General Capital (NZSE:GEN) Overvalued in 2026?

Based on GuruFocus' analysis, General Capital stock appears to be undervalued. The current stock price of NZ$0.26 is trading 73.2% below its estimated GF Value™ of NZ$0.97. GuruFocus considers General Capital to be Possible Value Trap.

Key valuation signals for NZSE:GEN:

  • Operating Margin %: 130.11%
  • GF Value™: NZ$0.97 vs. price of NZ$0.26 (73.2% below fair value)
  • GF Score™: 42/100 with 3 warning signs
  • Industry Position: 617.5% above the Banks median (#48 of 48)

No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


General Capital Business Description

Address 115 Queen Street, Level 8, General Capital House, Auckland, NTL, NZL, 1010
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score

Get the complete analysis for NZSE:GEN

Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NZ$0.26
Price
NZ$0.97
GF Value