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SR AccordXTAE:SRAC +2.05%90 Operating Margin % is 43.64% as of Mar. 2026, which is 30% below its 10-year median of 61.93. GuruFocus rates XTAE:SRAC with a GF Score™ of 90/100 and a GF Value™ of ₪47.36 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 416 Credit Services companies, SR Accord ranks better than 84.13% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. SR Accord's Operating Income for the
three
months ended in Mar. 2026 was ₪24.9 Mil. SR Accord's Revenue for the
three
months ended in Mar. 2026 was ₪57.1 Mil. Therefore, SR Accord's Operating Margin % for the quarter that ended in Mar. 2026 was 43.64%.
Warning Sign:
SR Accord Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -5%.
The historical rank and industry rank for SR Accord's Operating Margin % or its related term are showing as below:
XTAE:SRAC'
s Operating Margin % Range Over the Past 10 Years
Min: 53.71 Med: 61.93 Max: 73.39
Current: 53.71
XTAE:SRAC's Operating Margin % is ranked better than 84.13% of 416
companies
in the Credit Services industry
Industry Median: 17.325
vs XTAE:SRAC: 53.71
SR Accord's 5-Year Average Operating Margin % Growth Rate was -5.00% per year.
SR Accord's Operating Income for the
three
months ended in Mar. 2026 was ₪24.9 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₪125.1 Mil.
SR Accord (XTAE:SRAC) 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.
SR Accord Operating Margin % Related Terms
SR Accord Operating Margin % Historical Data
* Premium members only.
The historical data trend for SR Accord'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.
XTAE:SRAC vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, SR Accord'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.
SR Accord Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SR Accord's Operating Margin % distribution charts can be found below:
* The bar in red indicates where SR Accord'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.
SR Accord'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.
SR Accord (XTAE:SRAC) has a Operating Margin % of 43.64% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on SR Accord and its competitors. This is 30% below median its historical median of 61.93. Over the past decade, SR Accord's Operating Margin % has ranged from 53.71 to 73.39. According to the industry distribution chart, SR Accord ranks #66 out of 416 companies in the Credit Services industry, placing it in the top 15.9%.
Is SR Accord's Operating Margin % too high?
SR Accord's current Operating Margin % of 43.64% is 30% below median its 10-year median of 61.93. Over the past 10 years, this metric has ranged from a low of 53.71 to a high of 73.39. The Credit Services industry median Operating Margin % is 17.33. SR Accord's value of 43.64% is 151.9% above this industry median. Based on the distribution chart, SR Accord ranks #66 out of 416 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, SR Accord has a GF Score™ of 90/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SR Accord's Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SR Accord ranks #66 out of 416 companies for Operating Margin %. This places SR Accord in the top 16% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.33. SR Accord's value of 43.64% is 151.9% above this benchmark. Historically, SR Accord's own Operating Margin % has ranged from 53.71 to 73.39 over the past decade. While the company's 10-year median is 61.93 vs. the industry median of 17.33, SR Accord 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. SR Accord's current Operating Margin % of 43.64% is 151.9% 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 SR Accord 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. SR Accord's current Operating Margin % is 43.64%, which is 30% below median its own 10-year median of 61.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SR Accord stock overvalued right now?
Based on GuruFocus' analysis, SR Accord (XTAE:SRAC) is currently considered Modestly Overvalued. The stock's GF Value™ is ₪47.36, compared to a current price of ₪58.19 — trading 22.9% above its estimated fair value. The current Operating Margin % is 43.64%, which is 30% below median its 10-year median of 61.93 and 151.9% above the Credit Services industry median of 17.33. SR Accord's overall GF Score™ is 90/100 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 SR Accord (XTAE:SRAC), the current Operating Margin % is 43.64% 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 SR Accord (XTAE:SRAC) Overvalued in 2026?
Based on GuruFocus' analysis, SR Accord stock appears to be overvalued.
The current stock price of ₪58.19 is trading 22.9% above its estimated GF Value™ of ₪47.36.
GuruFocus considers SR Accord to be Modestly Overvalued.
Key valuation signals for XTAE:SRAC:
Operating Margin %: 43.64% (30% below median its 10-year median of 61.93)
GF Value™: ₪47.36 vs. price of ₪58.19 (22.9% above fair value)
Industry Position: 151.9% above the Credit Services median (#66 of 416)
No single metric tells the full story. See the XTAE:SRAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SR Accord Ltd is operating in the field of non-bank financing and credit. The company works to assist the development of companies and businesses by providing credit and non-bank financing sources, both by way of direct financing to the company in loans and by way of financing against discounting checks and bills and their repayment against the provision of adequate collateral.
90GF Score
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