RFA FinancialRFAFF 31 Operating Margin % is 20.89% as of Mar. 2026, which is 62% below its 10-year median of 55.17. GuruFocus rates RFAFF with a GF Score™ of 31/100 and a GF Value™ of $11.79 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 750 REITs companies, RFA Financial ranks worse than 96.27% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. RFA Financial's Operating Income for the
three
months ended in Mar. 2026 was $12.6 Mil. RFA Financial's Revenue for the
three
months ended in Mar. 2026 was $60.2 Mil. Therefore, RFA Financial's Operating Margin % for the quarter that ended in Mar. 2026 was 20.89%.
The historical rank and industry rank for RFA Financial's Operating Margin % or its related term are showing as below:
RFAFF'
s Operating Margin % Range Over the Past 10 Years
Min: -12.82 Med: 55.17 Max: 58.78
Current: -12.82
RFAFF's Operating Margin % is ranked worse than 96.27% of 750
companies
in the REITs industry
Industry Median: 52.67
vs RFAFF: -12.82
RFA Financial's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.
RFA Financial's Operating Income for the
three
months ended in Mar. 2026 was $12.6 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was $-24.1 Mil.
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.
RFA Financial Operating Margin % Related Terms
RFA Financial Operating Margin % Historical Data
* Premium members only.
The historical data trend for RFA Financial'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.
RFAFF vs VICI, WPC, BNL: Operating Margin % Comparison
For the REIT - Diversified subindustry, RFA Financial'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.
RFA Financial Operating Margin % vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's Operating Margin % distribution charts can be found below:
* The bar in red indicates where RFA Financial'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.
RFA Financial'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.
RFA Financial (RFAFF) has a Operating Margin % of 20.89% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on RFA Financial and its competitors. This is 62% below median its historical median of 55.17. According to the industry distribution chart, RFA Financial ranks #722 out of 750 companies in the REITs industry, placing it in the top 96.3%.
Is RFA Financial's Operating Margin % too high?
RFA Financial's current Operating Margin % of 20.89% is 62% below median its 10-year median of 55.17. The REITs industry median Operating Margin % is 52.67. RFA Financial's value of 20.89% is 60.3% below this industry median. Based on the distribution chart, RFA Financial ranks #722 out of 750 companies in the REITs industry, which is in the bottom quartile relative to peers. Overall, RFA Financial has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Operating Margin % compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #722 out of 750 companies for Operating Margin %. This places RFA Financial in the lower half of its industry. The industry median Operating Margin % is 52.67. RFA Financial's value of 20.89% is 60.3% below this benchmark. While the company's 10-year median is 55.17 vs. the industry median of 52.67, RFA Financial 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 REITs company?
The median Operating Margin % among REITs companies is 52.67, based on 750 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. RFA Financial's current Operating Margin % of 20.89% is 60.3% 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 RFA Financial and its competitors. For the REITs industry, the median Operating Margin % is 52.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current Operating Margin % is 20.89%, which is 62% below median its own 10-year median of 55.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.79, compared to a current price of $18.43 — trading 56.3% above its estimated fair value. The current Operating Margin % is 20.89%, which is 62% below median its 10-year median of 55.17 and 60.3% below the REITs industry median of 52.67. RFA Financial's overall GF Score™ is 31/100 with 7 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 RFA Financial (RFAFF), the current Operating Margin % is 20.89% 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 RFA Financial (RFAFF) Overvalued in 2026?
Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued.
The current stock price of $18.43 is trading 56.3% above its estimated GF Value™ of $11.79.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
Operating Margin %: 20.89% (62% below median its 10-year median of 55.17)
GF Value™: $11.79 vs. price of $18.43 (56.3% above fair value)
Industry Position: 60.3% below the REITs median (#722 of 750)
No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
31GF Score
Get the complete analysis for RFAFF
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RFAFF has been successfully added to your 
