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Charan Insurance PCLBKK:CHARAN +1.18%64 Net Margin % is 33.85% as of Mar. 2026, which is 371% above its 10-year median of 7.19. GuruFocus rates BKK:CHARAN with a GF Score™ of 64/100 and a GF Value™ of ฿22.70 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 500 Insurance companies, Charan Insurance PCL ranks better than 63% on this metric.
The historical rank and industry rank for Charan Insurance PCL's Net Margin % or its related term are showing as below:
BKK:CHARAN'
s Net Margin % Range Over the Past 10 Years
Min: -17.31 Med: 7.19 Max: 17.51
Current: 11.94
BKK:CHARAN's Net Margin % is ranked better than 63% of 500
companies
in the Insurance industry
Industry Median: 9.175
vs BKK:CHARAN: 11.94
Charan Insurance PCL (BKK:CHARAN) 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.
Charan Insurance PCL Net Margin % Related Terms
Charan Insurance PCL Net Margin % Historical Data
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The historical data trend for Charan Insurance PCL'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.
BKK:CHARAN vs CB, PGR, TRV: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Charan Insurance PCL'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.
Charan Insurance PCL Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Charan Insurance PCL's Net Margin % distribution charts can be found below:
* The bar in red indicates where Charan Insurance PCL'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.
Charan Insurance PCL (BKK:CHARAN) has a Net Margin % of 33.85% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Charan Insurance PCL and its competitors. This is 371% above median its historical median of 7.19. According to the industry distribution chart, Charan Insurance PCL ranks #185 out of 500 companies in the Insurance industry, placing it in the top 37%.
Is Charan Insurance PCL's Net Margin % too high?
Charan Insurance PCL's current Net Margin % of 33.85% is 371% above median its 10-year median of 7.19. The Insurance industry median Net Margin % is 9.18. Charan Insurance PCL's value of 33.85% is 268.9% above this industry median. Based on the distribution chart, Charan Insurance PCL ranks #185 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Charan Insurance PCL has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Charan Insurance PCL's Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Charan Insurance PCL ranks #185 out of 500 companies for Net Margin %. This puts Charan Insurance PCL in the upper half of its industry. The industry median Net Margin % is 9.18. Charan Insurance PCL's value of 33.85% is 268.9% above this benchmark. While the company's 10-year median is 7.19 vs. the industry median of 9.18, Charan Insurance PCL 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 9.18, based on 500 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. Charan Insurance PCL's current Net Margin % of 33.85% is 268.9% 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 Charan Insurance PCL and its competitors. For the Insurance industry, the median Net Margin % is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charan Insurance PCL's current Net Margin % is 33.85%, which is 371% above median its own 10-year median of 7.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charan Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Charan Insurance PCL (BKK:CHARAN) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿22.70, compared to a current price of ฿17.20 — trading 24.2% below its estimated fair value. The current Net Margin % is 33.85%, which is 371% above median its 10-year median of 7.19 and 268.9% above the Insurance industry median of 9.18. Charan Insurance PCL's overall GF Score™ is 64/100 with 5 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 Charan Insurance PCL (BKK:CHARAN), the current Net Margin % is 33.85% 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 Charan Insurance PCL (BKK:CHARAN) Overvalued in 2026?
Based on GuruFocus' analysis, Charan Insurance PCL stock appears to be undervalued.
The current stock price of ฿17.20 is trading 24.2% below its estimated GF Value™ of ฿22.70.
GuruFocus considers Charan Insurance PCL to be Modestly Undervalued.
Key valuation signals for BKK:CHARAN:
Net Margin %: 33.85% (371% above median its 10-year median of 7.19)
GF Value™: ฿22.70 vs. price of ฿17.20 (24.2% below fair value)
Industry Position: 268.9% above the Insurance median (#185 of 500)
No single metric tells the full story. See the BKK:CHARAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Charan Insurance PCL is a Thailand-based company in the insurance sector. Its primary activity is providing non-life insurance services. Its non-life insurance products include Fire insurance, Motor insurance, Personal accident insurance, Marine and transportation insurance, and Miscellaneous insurance. The company operates principally in Thailand and generates the majority of its revenue from Motor insurance services.
64GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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