Amlak Finance PJSCDFM:AMLAK -1.54%42 Net Margin % is 95.75% as of Mar. 2026, which is 158% above its 10-year median of 37.14. GuruFocus rates DFM:AMLAK with a GF Score™ of 42/100 and a GF Value™ of د.إ19.54 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Amlak Finance PJSC ranks better than 92.8% on this metric.
The historical rank and industry rank for Amlak Finance PJSC's Net Margin % or its related term are showing as below:
DFM:AMLAK'
s Net Margin % Range Over the Past 10 Years
Min: -240.19 Med: 37.14 Max: 1047.15
Current: 48.82
DFM:AMLAK's Net Margin % is ranked better than 92.8% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs DFM:AMLAK: 48.82
Amlak Finance PJSC (DFM:AMLAK) 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.
Amlak Finance PJSC Net Margin % Related Terms
Amlak Finance PJSC Net Margin % Historical Data
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The historical data trend for Amlak Finance PJSC'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.
DFM:AMLAK vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, Amlak Finance PJSC'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.
Amlak Finance PJSC Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Amlak Finance PJSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where Amlak Finance PJSC'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.
Amlak Finance PJSC (DFM:AMLAK) has a Net Margin % of 95.75% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Amlak Finance PJSC and its competitors. This is 158% above median its historical median of 37.14. According to the industry distribution chart, Amlak Finance PJSC ranks #110 out of 1527 companies in the Banks industry, placing it in the top 7.2%.
Is Amlak Finance PJSC's Net Margin % too high?
Amlak Finance PJSC's current Net Margin % of 95.75% is 158% above median its 10-year median of 37.14. The Banks industry median Net Margin % is 26.95. Amlak Finance PJSC's value of 95.75% is 255.3% above this industry median. Based on the distribution chart, Amlak Finance PJSC ranks #110 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Amlak Finance PJSC has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amlak Finance PJSC's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak Finance PJSC ranks #110 out of 1527 companies for Net Margin %. This places Amlak Finance PJSC in the top 7% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Amlak Finance PJSC's value of 95.75% is 255.3% above this benchmark. While the company's 10-year median is 37.14 vs. the industry median of 26.95, Amlak Finance PJSC 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 26.95, based on 1,527 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. Amlak Finance PJSC's current Net Margin % of 95.75% is 255.3% 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 Amlak Finance PJSC and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amlak Finance PJSC's current Net Margin % is 95.75%, which is 158% above median its own 10-year median of 37.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak Finance PJSC stock overvalued right now?
Based on GuruFocus' analysis, Amlak Finance PJSC (DFM:AMLAK) is currently considered Possible Value Trap. The stock's GF Value™ is د.إ19.54, compared to a current price of د.إ1.28 — trading 93.4% below its estimated fair value. The current Net Margin % is 95.75%, which is 158% above median its 10-year median of 37.14 and 255.3% above the Banks industry median of 26.95. Amlak Finance PJSC's overall GF Score™ is 42/100 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 Amlak Finance PJSC (DFM:AMLAK), the current Net Margin % is 95.75% 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 Amlak Finance PJSC (DFM:AMLAK) Overvalued in 2026?
Based on GuruFocus' analysis, Amlak Finance PJSC stock appears to be undervalued.
The current stock price of د.إ1.28 is trading 93.4% below its estimated GF Value™ of د.إ19.54.
GuruFocus considers Amlak Finance PJSC to be Possible Value Trap.
Key valuation signals for DFM:AMLAK:
Net Margin %: 95.75% (158% above median its 10-year median of 37.14)
GF Value™: د.إ19.54 vs. price of د.إ1.28 (93.4% below fair value)
Industry Position: 255.3% above the Banks median (#110 of 1527)
No single metric tells the full story. See the DFM:AMLAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amlak Finance PJSC is licensed as a finance company. It is mainly focused on financing and investing activities based on structures such as Ijara, Murabaha, Mudaraba, Wakala, and Musharaka. All activities of the Company are conducted in accordance with Islamic Sharia and within the provisions of its Articles and Memorandum of Association. The Group is organised into the following three business segments: Real Estate Financing, Real Estate Investments, and Corporate Finance Investments. The majority of revenue is from Real Estate Investments.
42GF Score
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