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IPDC FinanceDHA:IPDC -2.10%63 Net Margin % is 7.04% as of Mar. 2026, which is 73% below its 10-year median of 25.74. GuruFocus rates DHA:IPDC with a GF Score™ of 63/100 and a GF Value™ of BDT22.65 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 534 Credit Services companies, IPDC Finance ranks worse than 53.18% on this metric.
Net margin is calculated as Net Income divided by its Revenue. IPDC Finance's Net Income for the
three
months ended in Mar. 2026 was BDT65 Mil. IPDC Finance's Revenue for the
three
months ended in Mar. 2026 was BDT926 Mil. Therefore, IPDC Finance's net margin for the quarter that ended in Mar. 2026 was 7.04%.
The historical rank and industry rank for IPDC Finance's Net Margin % or its related term are showing as below:
DHA:IPDC'
s Net Margin % Range Over the Past 10 Years
Min: 11.4 Med: 25.74 Max: 42.56
Current: 13.49
DHA:IPDC's Net Margin % is ranked worse than 53.18% of 534
companies
in the Credit Services industry
Industry Median: 14.59
vs DHA:IPDC: 13.49
IPDC Finance (DHA:IPDC) 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.
IPDC Finance Net Margin % Related Terms
IPDC Finance Net Margin % Historical Data
* Premium members only.
The historical data trend for IPDC Finance'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 Credit Services subindustry, IPDC Finance'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.
IPDC Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IPDC Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where IPDC Finance'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.
IPDC Finance (DHA:IPDC) has a Net Margin % of 7.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on IPDC Finance and its competitors. This is 73% below median its historical median of 25.74. Over the past decade, IPDC Finance's Net Margin % has ranged from 11.40 to 42.56. According to the industry distribution chart, IPDC Finance ranks #284 out of 534 companies in the Credit Services industry, placing it in the top 53.2%.
Is IPDC Finance's Net Margin % too high?
IPDC Finance's current Net Margin % of 7.04% is 73% below median its 10-year median of 25.74. Over the past 10 years, this metric has ranged from a low of 11.40 to a high of 42.56. The Credit Services industry median Net Margin % is 14.59. IPDC Finance's value of 7.04% is 51.7% below this industry median. Based on the distribution chart, IPDC Finance ranks #284 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, IPDC Finance has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IPDC Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IPDC Finance ranks #284 out of 534 companies for Net Margin %. This places IPDC Finance in the lower half of its industry. The industry median Net Margin % is 14.59. IPDC Finance's value of 7.04% is 51.7% below this benchmark. Historically, IPDC Finance's own Net Margin % has ranged from 11.40 to 42.56 over the past decade. While the company's 10-year median is 25.74 vs. the industry median of 14.59, IPDC Finance has consistently been below 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 Credit Services company?
The median Net Margin % among Credit Services companies is 14.59, based on 534 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. IPDC Finance's current Net Margin % of 7.04% is 51.7% below 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 IPDC Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IPDC Finance's current Net Margin % is 7.04%, which is 73% below median its own 10-year median of 25.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IPDC Finance stock overvalued right now?
Based on GuruFocus' analysis, IPDC Finance (DHA:IPDC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT22.65, compared to a current price of BDT32.60 — trading 43.9% above its estimated fair value. The current Net Margin % is 7.04%, which is 73% below median its 10-year median of 25.74 and 51.7% below the Credit Services industry median of 14.59. IPDC Finance's overall GF Score™ is 63/100 with 6 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 IPDC Finance (DHA:IPDC), the current Net Margin % is 7.04% 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 IPDC Finance (DHA:IPDC) Overvalued in 2026?
Based on GuruFocus' analysis, IPDC Finance stock appears to be overvalued.
The current stock price of BDT32.60 is trading 43.9% above its estimated GF Value™ of BDT22.65.
GuruFocus considers IPDC Finance to be Significantly Overvalued.
Key valuation signals for DHA:IPDC:
Net Margin %: 7.04% (73% below median its 10-year median of 25.74)
GF Value™: BDT22.65 vs. price of BDT32.60 (43.9% above fair value)
Industry Position: 51.7% below the Credit Services median (#284 of 534)
No single metric tells the full story. See the DHA:IPDC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IPDC Finance PLC has diversified its product portfolio and evolved as multiproduct financial institution that is specialised in providing long term and short term finance, project finance, lease finance, supply chain finance, home loan, equity financing, syndication finance, retail finance, Small & Medium Enterprises (SME) finance, asset backed securitisation, retailer finance, factoring finance, and related consultancies. Its segments are Corporate, SME & Emerging, Corporate, and Retail Treasury. The company generates majority of revenue from Corporate segment.
63GF Score
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