SBI AruhiTSE:7198 -0.90%63 Operating Margin % is 30.67% as of Mar. 2026, which is 23% below its 10-year median of 39.75. GuruFocus rates TSE:7198 with a GF Score™ of 63/100 and a GF Value™ of 円903.68 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 48 Banks companies, SBI Aruhi ranks better than 79.17% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. SBI Aruhi's Operating Income for the
three
months ended in Mar. 2026 was 円1,871 Mil. SBI Aruhi's Revenue for the
three
months ended in Mar. 2026 was 円6,101 Mil. Therefore, SBI Aruhi's Operating Margin % for the quarter that ended in Mar. 2026 was 30.67%.
Warning Sign:
SBI Aruhi Corp operating margin has been in a 5-year decline. The average rate of decline per year is -4.7%.
The historical rank and industry rank for SBI Aruhi's Operating Margin % or its related term are showing as below:
TSE:7198'
s Operating Margin % Range Over the Past 10 Years
Min: 29.79 Med: 39.75 Max: 44.4
Current: 35.45
TSE:7198's Operating Margin % is ranked better than 79.17% of 48
companies
in the Banks industry
Industry Median: 18.135
vs TSE:7198: 35.45
SBI Aruhi's 5-Year Average Operating Margin % Growth Rate was -4.70% per year.
SBI Aruhi's Operating Income for the
three
months ended in Mar. 2026 was 円1,871 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was 円8,892 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.
SBI Aruhi Operating Margin % Related Terms
SBI Aruhi Operating Margin % Historical Data
* Premium members only.
The historical data trend for SBI Aruhi'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.
TSE:7198 vs RKT, FNMA, PFSI: Operating Margin % Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi Operating Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's Operating Margin % distribution charts can be found below:
* The bar in red indicates where SBI Aruhi'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.
SBI Aruhi'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.
SBI Aruhi (TSE:7198) has a Operating Margin % of 30.67% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on SBI Aruhi and its competitors. This is 23% below median its historical median of 39.75. Over the past decade, SBI Aruhi's Operating Margin % has ranged from 29.79 to 44.40. According to the industry distribution chart, SBI Aruhi ranks #10 out of 48 companies in the Banks industry, placing it in the top 20.8%.
Is SBI Aruhi's Operating Margin % too high?
SBI Aruhi's current Operating Margin % of 30.67% is 23% below median its 10-year median of 39.75. Over the past 10 years, this metric has ranged from a low of 29.79 to a high of 44.40. The Banks industry median Operating Margin % is 18.14. SBI Aruhi's value of 30.67% is 69.1% above this industry median. Based on the distribution chart, SBI Aruhi ranks #10 out of 48 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SBI Aruhi has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #10 out of 48 companies for Operating Margin %. This places SBI Aruhi in the top 21% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 18.14. SBI Aruhi's value of 30.67% is 69.1% above this benchmark. Historically, SBI Aruhi's own Operating Margin % has ranged from 29.79 to 44.40 over the past decade. While the company's 10-year median is 39.75 vs. the industry median of 18.14, SBI Aruhi 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 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. SBI Aruhi's current Operating Margin % of 30.67% is 69.1% 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 SBI Aruhi 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. SBI Aruhi's current Operating Margin % is 30.67%, which is 23% below median its own 10-year median of 39.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Modestly Undervalued. The stock's GF Value™ is 円903.68, compared to a current price of 円772.00 — trading 14.6% below its estimated fair value. The current Operating Margin % is 30.67%, which is 23% below median its 10-year median of 39.75 and 69.1% above the Banks industry median of 18.14. SBI Aruhi's overall GF Score™ is 63/100 with 9 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 SBI Aruhi (TSE:7198), the current Operating Margin % is 30.67% 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円772.00 is trading 14.6% below its estimated GF Value™ of 円903.68.
GuruFocus considers SBI Aruhi to be Modestly Undervalued.
Key valuation signals for TSE:7198:
Operating Margin %: 30.67% (23% below median its 10-year median of 39.75)
GF Value™: 円903.68 vs. price of 円772.00 (14.6% below fair value)
Industry Position: 69.1% above the Banks median (#10 of 48)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
63GF Score
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