What is a good SaaS gross margin in 2026?

FPARef's SEC-derived public-company cohort has a combined median gross margin of 75%. In the same dataset, industry medians range from 65% (Vertical SaaS) to 81.3% (General B2B SaaS). A useful “good” benchmark therefore starts with the closest business model and revenue mix, then industry, rather than one universal SaaS threshold.

Public-company cohort: n=60 · TTM Q4 2025 · Segment rows are directional: n=4–10

How to read this in a board meeting

Benchmark the company against the closest peer group and its own trend. If it sits below peers, separate business-model, services, and infrastructure mix before treating the gap as an execution issue. Then use Rule of 40 and Burn Multiple to test whether the margin gap is offset by growth or capital efficiency.

Industry segmentMedianCohortVintage
Dev Tools / Infrastructure75.2%n=10TTM Q4 2025
General B2B SaaS81.3%n=8TTM Q4 2025
Security / Compliance76.7%n=9TTM Q4 2025
MarTech / Sales Tech73.9%n=9TTM Q4 2025
Vertical SaaS65%n=10TTM Q4 2025
Fintech / Payments70%n=5TTM Q4 2025
HR / Workforce74.5%n=5TTM Q4 2025
Healthcare / MedTech71.2%n=4TTM Q4 2025
All segments combined median: 75% (n=60)
Primary source: SEC EDGAR companyfacts API (data.sec.gov), us-gaap XBRL facts, computed TTM per-company and aggregated as a segment median. See data/benchmarks_public.json for the full derivation (method, company sample, period) behind every number on this page.
Method: (Revenue - CostOfRevenue) / Revenue, or GrossProfit / Revenue where reported directly, TTM, cohort median. Period: TTM ending 2025-12-31. Companies used: 60 (SEC CIKs, see derivation.cik_sample in benchmarks_public.json). Flags: G1, G3.
G1 — Revenue tag varies by issuer
Public companies report revenue under different us-gaap XBRL tags depending on when they adopted ASC 606: RevenueFromContractWithCustomerExcludingAssessedTax or ...IncludingAssessedTax (post-2018), or the older Revenues tag (pre-ASC 606, or issuers who never switched). This pipeline checks all three tags and uses whichever has data for the period — flagged here whenever a segment's cohort includes at least one company using a fallback tag.
G3 — TTM sometimes requires a Q4 plug
10-Q filings report cumulative year-to-date figures, not always a discrete quarter. Where a discrete Q4 fact is not filed directly, this pipeline derives it as Q4 = FY (10-K total) − sum(Q1+Q2+Q3, 10-Q). Every company/period where this plug was used is logged explicitly — never silently assumed.

SaaS gross margin by business model (Bessemer / KeyBanc, attributed)

IndustryBusiness ModelMedian GM%Top Quartile GM%Bottom Quartile GM%Rating
Pure SaaS / Subscription — highest gross margins in software
Dev Tools / InfrastructureSubscription78%87%68%High
General B2B SaaSSubscription76%84%65%High
Security / ComplianceSubscription74%83%63%High
MarTech / Sales TechSubscription72%81%60%High
Vertical SaaSSubscription68%78%56%Mid-High
Fintech / PaymentsSubscription68%79%55%Mid-High
HR / WorkforceSubscription66%76%54%Mid-High
Healthcare / MedTechSubscription65%76%52%Mid-High
Usage-Based / Consumption — margins compressed by infrastructure costs scaling with usage
Dev Tools / InfrastructureUsage-based62%74%48%Variable
General B2B SaaSUsage-based60%72%45%Variable
MarTech / Sales TechUsage-based58%70%42%Variable
Fintech / PaymentsUsage-based55%67%40%Variable
Security / ComplianceUsage-based60%71%44%Variable
Healthcare / MedTechUsage-based52%63%38%Variable
Hybrid (SaaS + Professional Services) — services revenue drags blended margin
General B2B SaaSHybrid58%68%44%Mid
MarTech / Sales TechHybrid55%65%40%Mid
Vertical SaaSHybrid52%63%38%Mid
HR / WorkforceHybrid50%61%36%Mid
Healthcare / MedTechHybrid48%58%34%Mid
Security / ComplianceHybrid56%66%42%Mid
Fintech / PaymentsHybrid50%61%36%Mid
Marketplace / Transaction — take-rate model; gross margin reflects net revenue, not GMV
Fintech / PaymentsMarketplace / Transaction42%55%28%Low
MarTech / Sales TechMarketplace / Transaction45%58%30%Low
Vertical SaaSMarketplace / Transaction38%50%24%Low
Healthcare / MedTechMarketplace / Transaction35%48%20%Low
Sources: KeyBanc Capital Markets SaaS Survey 2023, Bessemer State of the Cloud 2024, public SaaS company SEC filings 2023–2025. Gross margin = (Revenue − COGS) / Revenue per GAAP.

Business model matters more than industry

A healthcare subscription SaaS runs 65% gross margins. A healthcare marketplace runs 35%. Same industry, 30-point gap. When benchmarking your gross margin, match by business model first, industry second. Usage-based models compress margins because infrastructure scales with consumption — the best mitigation is pricing efficiency (cost per unit of consumption declining as you scale). Services revenue above 15% of total revenue will structurally hold blended margins below 65%.
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