Sharjah Islamic BankADX:SIB -1.99%71 Net Margin % is 59.10% as of Mar. 2026, which is 34% above its 10-year median of 44.21. GuruFocus rates ADX:SIB with a GF Score™ of 71/100 and a GF Value™ of د.إ3.18 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Sharjah Islamic Bank ranks better than 95.22% on this metric.
The historical rank and industry rank for Sharjah Islamic Bank's Net Margin % or its related term are showing as below:
ADX:SIB'
s Net Margin % Range Over the Past 10 Years
Min: 34.17 Med: 44.21 Max: 52.04
Current: 52.04
ADX:SIB's Net Margin % is ranked better than 95.22% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs ADX:SIB: 52.04
Sharjah Islamic Bank (ADX:SIB) 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.
Sharjah Islamic Bank Net Margin % Related Terms
Sharjah Islamic Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Sharjah Islamic Bank'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.
Sharjah Islamic Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Sharjah Islamic Bank'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.
Sharjah Islamic Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sharjah Islamic Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sharjah Islamic Bank'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.
Sharjah Islamic Bank (ADX:SIB) has a Net Margin % of 59.10% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sharjah Islamic Bank and its competitors. This is 34% above median its historical median of 44.21. Over the past decade, Sharjah Islamic Bank's Net Margin % has ranged from 34.17 to 52.04. According to the industry distribution chart, Sharjah Islamic Bank ranks #73 out of 1526 companies in the Banks industry, placing it in the top 4.8%.
Is Sharjah Islamic Bank's Net Margin % too high?
Sharjah Islamic Bank's current Net Margin % of 59.10% is 34% above median its 10-year median of 44.21. Over the past 10 years, this metric has ranged from a low of 34.17 to a high of 52.04. The Banks industry median Net Margin % is 26.97. Sharjah Islamic Bank's value of 59.10% is 119.1% above this industry median. Based on the distribution chart, Sharjah Islamic Bank ranks #73 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Islamic Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sharjah Islamic Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Sharjah Islamic Bank ranks #73 out of 1526 companies for Net Margin %. This places Sharjah Islamic Bank in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Sharjah Islamic Bank's value of 59.10% is 119.1% above this benchmark. Historically, Sharjah Islamic Bank's own Net Margin % has ranged from 34.17 to 52.04 over the past decade. While the company's 10-year median is 44.21 vs. the industry median of 26.97, Sharjah Islamic Bank 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 a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 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. Sharjah Islamic Bank's current Net Margin % of 59.10% is 119.1% 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 Sharjah Islamic Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sharjah Islamic Bank's current Net Margin % is 59.10%, which is 34% above median its own 10-year median of 44.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Sharjah Islamic Bank (ADX:SIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ3.18, compared to a current price of د.إ2.96 — trading 6.9% below its estimated fair value. The current Net Margin % is 59.10%, which is 34% above median its 10-year median of 44.21 and 119.1% above the Banks industry median of 26.97. Sharjah Islamic Bank's overall GF Score™ is 71/100 with 1 warning sign 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 Sharjah Islamic Bank (ADX:SIB), the current Net Margin % is 59.10% 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 Sharjah Islamic Bank (ADX:SIB) Overvalued in 2026?
Based on GuruFocus' analysis, Sharjah Islamic Bank stock appears to be undervalued.
The current stock price of د.إ2.96 is trading 6.9% below its estimated GF Value™ of د.إ3.18.
GuruFocus considers Sharjah Islamic Bank to be Fairly Valued.
Key valuation signals for ADX:SIB:
Net Margin %: 59.10% (34% above median its 10-year median of 44.21)
GF Value™: د.إ3.18 vs. price of د.إ2.96 (6.9% below fair value)
Industry Position: 119.1% above the Banks median (#73 of 1526)
No single metric tells the full story. See the ADX:SIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sharjah Islamic Bank is engaged in providing banking activities, financing, and investing activities to corporates and individuals. The bank's activities comprise four main business segments: Government and corporate, Retail, Investment and treasury, and Hospitality, brokerage and real estate. The majority of its revenue is derived from the Government and corporate segment, in which the bank provides companies, institutions and government departments with a range of Islamic financial products and services.
71GF Score
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