AIA GroupAAGIY -3.33%61 Net Margin % is 15.47% as of Dec. 2025, which is 11% above its 10-year median of 13.88. GuruFocus rates AAGIY with a GF Score™ of 61/100 and a GF Value™ of $37.61 (Fairly Valued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, AIA Group ranks better than 75.65% on this metric.
Net margin is calculated as Net Income divided by its Revenue. AIA Group's Net Income for the
six
months ended in Dec. 2025 was $3,700 Mil. AIA Group's Revenue for the
six
months ended in Dec. 2025 was $23,915 Mil. Therefore, AIA Group's net margin for the quarter that ended in Dec. 2025 was 15.47%.
The historical rank and industry rank for AIA Group's Net Margin % or its related term are showing as below:
AAGIY'
s Net Margin % Range Over the Past 10 Years
Min: -21.86 Med: 13.88 Max: 21.87
Current: 15.74
AAGIY's Net Margin % is ranked better than 75.65% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs AAGIY: 15.74
AIA Group (OTCPK:AAGIY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
AIA Group Net Margin % Related Terms
AIA Group Net Margin % Historical Data
* Premium members only.
The historical data trend for AIA Group's Net 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.
For the Insurance - Life subindustry, AIA Group's Net Margin %, along with its competitors' market caps and Net 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.
AIA Group Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where AIA Group's Net 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.
AIA Group (AAGIY) has a Net Margin % of 15.47% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on AIA Group and its competitors. This is 11% above median its historical median of 13.88. According to the industry distribution chart, AIA Group ranks #122 out of 501 companies in the Insurance industry, placing it in the top 24.4%.
Is AIA Group's Net Margin % too high?
AIA Group's current Net Margin % of 15.47% is 11% above median its 10-year median of 13.88. The Insurance industry median Net Margin % is 9.29. AIA Group's value of 15.47% is 66.5% above this industry median. Based on the distribution chart, AIA Group ranks #122 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AIA Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #122 out of 501 companies for Net Margin %. This places AIA Group in the top 24% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. AIA Group's value of 15.47% is 66.5% above this benchmark. While the company's 10-year median is 13.88 vs. the industry median of 9.29, AIA Group 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIA Group's current Net Margin % of 15.47% is 66.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on AIA Group and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current Net Margin % is 15.47%, which is 11% above median its own 10-year median of 13.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAGIY) is currently considered Fairly Valued. The stock's GF Value™ is $37.61, compared to a current price of $36.34 — trading 3.4% below its estimated fair value. The current Net Margin % is 15.47%, which is 11% above median its 10-year median of 13.88 and 66.5% above the Insurance industry median of 9.29. AIA Group's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For AIA Group (AAGIY), the current Net Margin % is 15.47% as of Dec. 2025. 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 AIA Group (AAGIY) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $36.34 is trading 3.4% below its estimated GF Value™ of $37.61.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAGIY:
Net Margin %: 15.47% (11% above median its 10-year median of 13.88)
GF Value™: $37.61 vs. price of $36.34 (3.4% below fair value)
Industry Position: 66.5% above the Insurance median (#122 of 501)
No single metric tells the full story. See the AAGIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
61GF Score
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