National Refinery (KAR:NRL) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

KAR:NRL National Refinery Ltd KAR:NRL
70 GF Score
Price ₨396.56
GF Value ₨332.04
Valuation Modestly Overvalued
! 4 Warning Signs
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What is National Refinery Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

KAR:NRL
70GF Score
National Refinery Ltd KAR:NRL
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is National Refinery (KAR:NRL) Overvalued in 2026?

Based on GuruFocus' analysis, National Refinery stock appears to be overvalued. The current stock price of ₨396.56 is trading 19.4% above its estimated GF Value™ of ₨332.04. GuruFocus considers National Refinery to be Modestly Overvalued.

Key valuation signals for KAR:NRL:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: ₨332.04 vs. price of ₨396.56 (19.4% above fair value)
  • GF Score™: 70/100 with 4 warning signs

No single metric tells the full story. See the KAR:NRL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Refinery Business Description

Industry EnergyOil & Gas
Address 7-B, Korangi Industrial Area, P.O. Box 8228, Karachi, PAK, 74900
National Refinery Ltd is a Pakistan-based company engaged in manufacturing and supplying fuel products, lubes, BTX, asphalts and specialty products for domestic consumption and export. It is also involved in the crude oil refining business. The company operates through two segments namely Fuel and Lube. The Fuel segment, which is the key revenue driver, is engaged in the production of high-speed diesel, naphtha, motor gasoline, liquefied petroleum gas, jet fuels, and furnace oil. The Lube segment produces multiple grades of lube base oils, bitumen, waxes and rubber process oil and some quantities of other fuel products. It derives maximum revenue from Fuel Segment.
70GF Score

Get the complete analysis for KAR:NRL

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨396.56
Price
₨332.04
GF Value