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Shahjalal Islami BankDHA:SHAHJABANK 77 Net Margin % is 29.60% as of Jun. 2026, which is 48% above its 10-year median of 19.98. GuruFocus rates DHA:SHAHJABANK with a GF Score™ of 77/100 and a GF Value™ of BDT25.17 (Significantly Undervalued). Among 1,522 Banks companies, Shahjalal Islami Bank ranks worse than 76.41% on this metric.
Shahjalal Islami Bank (DHA:SHAHJABANK) 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.
Shahjalal Islami Bank Net Margin % Related Terms
Shahjalal Islami Bank Net Margin % Historical Data
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The historical data trend for Shahjalal Islami 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.
Shahjalal Islami Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Shahjalal Islami 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.
Shahjalal Islami Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Shahjalal Islami Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shahjalal Islami 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.
Shahjalal Islami Bank (DHA:SHAHJABANK) has a Net Margin % of 29.60% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shahjalal Islami Bank and its competitors. This is 48% above median its historical median of 19.98. Over the past decade, Shahjalal Islami Bank's Net Margin % has ranged from 9.66 to 26.48. According to the industry distribution chart, Shahjalal Islami Bank ranks #1163 out of 1522 companies in the Banks industry, placing it in the top 76.4%.
Is Shahjalal Islami Bank's Net Margin % too high?
Shahjalal Islami Bank's current Net Margin % of 29.60% is 48% above median its 10-year median of 19.98. Over the past 10 years, this metric has ranged from a low of 9.66 to a high of 26.48. The Banks industry median Net Margin % is 27.39. Shahjalal Islami Bank's value of 29.60% is 8.1% above this industry median. Based on the distribution chart, Shahjalal Islami Bank ranks #1163 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Shahjalal Islami Bank has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Shahjalal Islami Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Shahjalal Islami Bank ranks #1163 out of 1522 companies for Net Margin %. This places Shahjalal Islami Bank in the lower half of its industry. The industry median Net Margin % is 27.39. Shahjalal Islami Bank's value of 29.60% is 8.1% above this benchmark. Historically, Shahjalal Islami Bank's own Net Margin % has ranged from 9.66 to 26.48 over the past decade. While the company's 10-year median is 19.98 vs. the industry median of 27.39, Shahjalal Islami 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 27.39, based on 1,522 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. Shahjalal Islami Bank's current Net Margin % of 29.60% is 8.1% 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 Shahjalal Islami Bank and its competitors. For the Banks industry, the median Net Margin % is 27.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shahjalal Islami Bank's current Net Margin % is 29.60%, which is 48% above median its own 10-year median of 19.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shahjalal Islami Bank stock overvalued right now?
Based on GuruFocus' analysis, Shahjalal Islami Bank (DHA:SHAHJABANK) is currently considered Significantly Undervalued. The stock's GF Value™ is BDT25.17, compared to a current price of BDT17.50 — trading 30.5% below its estimated fair value. The current Net Margin % is 29.60%, which is 48% above median its 10-year median of 19.98 and 8.1% above the Banks industry median of 27.39. Shahjalal Islami Bank's overall GF Score™ is 77/100. 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 Shahjalal Islami Bank (DHA:SHAHJABANK), the current Net Margin % is 29.60% as of Jun. 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 Shahjalal Islami Bank (DHA:SHAHJABANK) Overvalued in 2026?
Based on GuruFocus' analysis, Shahjalal Islami Bank stock appears to be undervalued.
The current stock price of BDT17.50 is trading 30.5% below its estimated GF Value™ of BDT25.17.
GuruFocus considers Shahjalal Islami Bank to be Significantly Undervalued.
Key valuation signals for DHA:SHAHJABANK:
Net Margin %: 29.60% (48% above median its 10-year median of 19.98)
GF Value™: BDT25.17 vs. price of BDT17.50 (30.5% below fair value)
Industry Position: 8.1% above the Banks median (#1163 of 1522)
No single metric tells the full story. See the DHA:SHAHJABANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shahjalal Islami Bank PLC provides commercial banking products and services in Bangladesh. It offers various deposit products, including current deposit accounts, savings deposit accounts, term deposit accounts, and short-notice deposit accounts. The company generates revenue from segments, namely, Corporate Banking, SME Banking, Retail Banking, and Treasury.
77GF Score
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