IFIC BankDHA:IFIC 39 Net Margin % is 155.89% as of Mar. 2026, which is 700% above its 10-year median of 19.48. GuruFocus rates DHA:IFIC with a GF Score™ of 39/100 and a GF Value™ of BDT3.05 (Significantly Overvalued). Among 1,528 Banks companies, IFIC Bank ranks better than 99.67% on this metric.
Net margin is calculated as Net Income divided by its Revenue. IFIC Bank's Net Income for the
three
months ended in Mar. 2026 was BDT-8,619.82 Mil. IFIC Bank's Revenue for the
three
months ended in Mar. 2026 was BDT-5,529.30 Mil. Therefore, IFIC Bank's net margin for the quarter that ended in Mar. 2026 was 155.89%.
The historical rank and industry rank for IFIC Bank's Net Margin % or its related term are showing as below:
DHA:IFIC'
s Net Margin % Range Over the Past 10 Years
Min: -11.55 Med: 19.48 Max: 207.84
Current: 185.24
DHA:IFIC's Net Margin % is ranked better than 99.67% of 1528
companies
in the Banks industry
Industry Median: 26.81
vs DHA:IFIC: 185.24
IFIC Bank (DHA:IFIC) 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.
IFIC Bank Net Margin % Related Terms
IFIC Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for IFIC 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.
For the Banks - Regional subindustry, IFIC 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.
IFIC Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, IFIC Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where IFIC 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.
IFIC Bank (DHA:IFIC) has a Net Margin % of 155.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on IFIC Bank and its competitors. This is 700% above median its historical median of 19.48. According to the industry distribution chart, IFIC Bank ranks #5 out of 1528 companies in the Banks industry, placing it in the top 0.3%.
Is IFIC Bank's Net Margin % too high?
IFIC Bank's current Net Margin % of 155.89% is 700% above median its 10-year median of 19.48. The Banks industry median Net Margin % is 26.81. IFIC Bank's value of 155.89% is 481.5% above this industry median. Based on the distribution chart, IFIC Bank ranks #5 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, IFIC Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IFIC Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, IFIC Bank ranks #5 out of 1528 companies for Net Margin %. This places IFIC Bank in the top 0% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.81. IFIC Bank's value of 155.89% is 481.5% above this benchmark. While the company's 10-year median is 19.48 vs. the industry median of 26.81, IFIC 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 26.81, based on 1,528 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. IFIC Bank's current Net Margin % of 155.89% is 481.5% 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 IFIC Bank and its competitors. For the Banks industry, the median Net Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFIC Bank's current Net Margin % is 155.89%, which is 700% above median its own 10-year median of 19.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIC Bank stock overvalued right now?
Based on GuruFocus' analysis, IFIC Bank (DHA:IFIC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT3.05, compared to a current price of BDT4.90 — trading 60.7% above its estimated fair value. The current Net Margin % is 155.89%, which is 700% above median its 10-year median of 19.48 and 481.5% above the Banks industry median of 26.81. IFIC Bank's overall GF Score™ is 39/100. 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 IFIC Bank (DHA:IFIC), the current Net Margin % is 155.89% 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 IFIC Bank (DHA:IFIC) Overvalued in 2026?
Based on GuruFocus' analysis, IFIC Bank stock appears to be overvalued.
The current stock price of BDT4.90 is trading 60.7% above its estimated GF Value™ of BDT3.05.
GuruFocus considers IFIC Bank to be Significantly Overvalued.
Key valuation signals for DHA:IFIC:
Net Margin %: 155.89% (700% above median its 10-year median of 19.48)
GF Value™: BDT3.05 vs. price of BDT4.90 (60.7% above fair value)
Industry Position: 481.5% above the Banks median (#5 of 1528)
No single metric tells the full story. See the DHA:IFIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IFIC Bank PLC is a commercial banking company in Bangladesh. The company provides corporate banking, retail banking internet banking, and SME banking. The company is also engaged in Treasury and capital market offering Cash Management, Liquidity Planning, Liquidity Protection, Trading of Foreign Exchange and Money Market Instruments, and Risk Management. Its segments are Corporate; SME; Short term Agri credit; Consumer and Others. It derives interest income from the Conventional banking unit and Off-Shore banking unit.
39GF Score
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