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.
Guardian Micro Life InsuranceXNEP:GMLI -1.55%40 EBITDA Margin % is 3.46% as of Apr. 2026, which is 46% below its 10-year median of 6.37. GuruFocus rates XNEP:GMLI with a GF Score™ of 40/100. The stock has 2 warning signs investors should review. Among 370 Insurance companies, Guardian Micro Life Insurance ranks worse than 74.05% on this metric.
Guardian Micro Life Insurance (XNEP:GMLI) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Guardian Micro Life Insurance EBITDA Margin % Related Terms
Guardian Micro Life Insurance EBITDA 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.
Guardian Micro Life Insurance EBITDA Margin % Chart
XNEP:GMLI vs AFL, MET, PRU: EBITDA Margin % Comparison
For the Insurance - Life subindustry, Guardian Micro Life Insurance's EBITDA Margin %, along with its competitors' market caps and EBITDA 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.
Guardian Micro Life Insurance EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Guardian Micro Life Insurance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Guardian Micro Life Insurance's EBITDA Margin % falls into.
* 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.
Guardian Micro Life Insurance (XNEP:GMLI) has a EBITDA Margin % of 3.46% as of Apr. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Guardian Micro Life Insurance and its competitors. This is 46% below median its historical median of 6.37. Over the past decade, Guardian Micro Life Insurance's EBITDA Margin % has ranged from 5.65 to 8.73. According to the industry distribution chart, Guardian Micro Life Insurance ranks #274 out of 370 companies in the Insurance industry, placing it in the top 74.1%.
Is Guardian Micro Life Insurance's EBITDA Margin % too high?
Guardian Micro Life Insurance's current EBITDA Margin % of 3.46% is 46% below median its 10-year median of 6.37. Over the past 10 years, this metric has ranged from a low of 5.65 to a high of 8.73. The Insurance industry median EBITDA Margin % is 14.88. Guardian Micro Life Insurance's value of 3.46% is 76.7% below this industry median. Based on the distribution chart, Guardian Micro Life Insurance ranks #274 out of 370 companies in the Insurance industry, which is below the industry midpoint. Overall, Guardian Micro Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Guardian Micro Life Insurance's EBITDA Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Guardian Micro Life Insurance ranks #274 out of 370 companies for EBITDA Margin %. This places Guardian Micro Life Insurance in the lower half of its industry. The industry median EBITDA Margin % is 14.88. Guardian Micro Life Insurance's value of 3.46% is 76.7% below this benchmark. Historically, Guardian Micro Life Insurance's own EBITDA Margin % has ranged from 5.65 to 8.73 over the past decade. While the company's 10-year median is 6.37 vs. the industry median of 14.88, Guardian Micro Life Insurance 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.88, based on 370 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Guardian Micro Life Insurance's current EBITDA Margin % of 3.46% is 76.7% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Guardian Micro Life Insurance and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guardian Micro Life Insurance's current EBITDA Margin % is 3.46%, which is 46% below median its own 10-year median of 6.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guardian Micro Life Insurance stock overvalued right now?
Guardian Micro Life Insurance (XNEP:GMLI) has a current EBITDA Margin % of 3.46%. The current EBITDA Margin % is 3.46%, which is 46% below median its 10-year median of 6.37 and 76.7% below the Insurance industry median of 14.88. Guardian Micro Life Insurance's overall GF Score™ is 40/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Guardian Micro Life Insurance (XNEP:GMLI), the current EBITDA Margin % is 3.46% as of Apr. 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.
Guardian Micro Life Insurance Ltd life insurance company in Nepal. It offers a range of insurance products tailored to meet needs and budget, with personalized advice from experienced professionals. Its products are Micro Term Plan, Micro Endowment Plan, Micro Group Plan, Micro Moneyback Plan, and Micro Whole Life Plan.
40GF Score
Get the complete analysis for XNEP:GMLI
EBITDA 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
XNEP:GMLI has been successfully added to your 
