Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Menif Financial ServicesXTAE:MNIF +1.83%88 Operating Margin % is 50.52% as of Mar. 2026, which is 10% above its 10-year median of 45.93. GuruFocus rates XTAE:MNIF with a GF Score™ of 88/100 and a GF Value™ of ₪23.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 414 Credit Services companies, Menif Financial Services ranks better than 80.19% on this metric.
Menif Financial Services Ltd operating margin is expanding. Margin expansion is usually a good sign.
The historical rank and industry rank for Menif Financial Services's Operating Margin % or its related term are showing as below:
XTAE:MNIF'
s Operating Margin % Range Over the Past 10 Years
Min: 17.86 Med: 45.93 Max: 66.29
Current: 47.2
XTAE:MNIF's Operating Margin % is ranked better than 80.19% of 414
companies
in the Credit Services industry
Industry Median: 17.515
vs XTAE:MNIF: 47.20
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.
Menif Financial Services Operating Margin % Related Terms
Menif Financial Services Operating Margin % Historical Data
* 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.
XTAE:MNIF vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Menif Financial Services'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.
Menif Financial Services Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Menif Financial Services's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Menif Financial Services'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.
Menif Financial Services'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.
Menif Financial Services (XTAE:MNIF) has a Operating Margin % of 50.52% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Menif Financial Services and its competitors. This is 10% above median its historical median of 45.93. Over the past decade, Menif Financial Services' Operating Margin % has ranged from 17.86 to 66.29. According to the industry distribution chart, Menif Financial Services ranks #82 out of 414 companies in the Credit Services industry, placing it in the top 19.8%.
Is Menif Financial Services' Operating Margin % too high?
Menif Financial Services' current Operating Margin % of 50.52% is 10% above median its 10-year median of 45.93. Over the past 10 years, this metric has ranged from a low of 17.86 to a high of 66.29. The Credit Services industry median Operating Margin % is 17.52. Menif Financial Services' value of 50.52% is 188.4% above this industry median. Based on the distribution chart, Menif Financial Services ranks #82 out of 414 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Menif Financial Services has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Menif Financial Services' Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Menif Financial Services ranks #82 out of 414 companies for Operating Margin %. This places Menif Financial Services in the top 20% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.52. Menif Financial Services' value of 50.52% is 188.4% above this benchmark. Historically, Menif Financial Services' own Operating Margin % has ranged from 17.86 to 66.29 over the past decade. While the company's 10-year median is 45.93 vs. the industry median of 17.52, Menif Financial Services 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 17.52, based on 414 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. Menif Financial Services's current Operating Margin % of 50.52% is 188.4% 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 Menif Financial Services and its competitors. For the Credit Services industry, the median Operating Margin % is 17.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menif Financial Services's current Operating Margin % is 50.52%, which is 10% above median its own 10-year median of 45.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menif Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Menif Financial Services (XTAE:MNIF) is currently considered Fairly Valued. The stock's GF Value™ is ₪23.12, compared to a current price of ₪23.98 — trading 3.7% above its estimated fair value. The current Operating Margin % is 50.52%, which is 10% above median its 10-year median of 45.93 and 188.4% above the Credit Services industry median of 17.52. Menif Financial Services' overall GF Score™ is 88/100 with 4 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 Menif Financial Services (XTAE:MNIF), the current Operating Margin % is 50.52% 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 Menif Financial Services (XTAE:MNIF) Overvalued in 2026?
Based on GuruFocus' analysis, Menif Financial Services stock appears to be overvalued.
The current stock price of ₪23.98 is trading 3.7% above its estimated GF Value™ of ₪23.12.
GuruFocus considers Menif Financial Services to be Fairly Valued.
Key valuation signals for XTAE:MNIF:
Operating Margin %: 50.52% (10% above median its 10-year median of 45.93)
GF Value™: ₪23.12 vs. price of ₪23.98 (3.7% above fair value)
Industry Position: 188.4% above the Credit Services median (#82 of 414)
No single metric tells the full story. See the XTAE:MNIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menif Financial Services Ltd is engaged in providing mezzanine financing for equity to promoters and contractors in the construction industry. It offers financing for reinforcement and construction projects, small construction evacuation projects, and large-scale construction evacuation projects.
88GF Score
Get the complete analysis for XTAE:MNIF
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
XTAE:MNIF has been successfully added to your 
